You've probably been there. You drive all the way to the branch, pull on the heavy glass door, and—nothing. It's locked. Then you see the tiny white sign. "Closed for the Holiday." It is incredibly frustrating, especially when you have a check to cash or a wire to send that just cannot wait.
Chase is a massive machine. With over 4,700 branches, they basically run on a very specific rhythm that follows the Federal Reserve. If the Fed is sleeping, Chase is usually sleeping too. But here is the thing: "closed" doesn't mean your money is frozen. It just means the humans aren't there to help you.
The Official Chase Bank Holidays 2024 Calendar
If you're looking for the short answer, Chase follows the standard 11-day federal holiday schedule. For 2024, the dates are pretty straightforward, but a few of them fall on days that might catch you off guard.
New Year’s Day started the year on a Monday (January 1), which meant branches didn't open until Tuesday. Then we had Martin Luther King Jr. Day on Monday, January 15.
Presidents' Day (or Washington’s Birthday if you’re being formal) landed on Monday, February 19. This is one of those "minor" holidays where people often forget banks actually close.
Memorial Day was Monday, May 27.
Juneteenth National Independence Day was Wednesday, June 19. This is still a relatively new one for some people’s mental calendars, but Chase observes it fully.
Independence Day was a Thursday, July 4.
Labor Day was Monday, September 2.
Columbus Day / Indigenous Peoples' Day was Monday, October 14.
Veterans Day fell on Monday, November 11.
Thanksgiving Day was Thursday, November 28.
Christmas Day was Wednesday, December 25.
What about those "in-between" days?
Honestly, the days around the holidays are where people get the most confused. Take Christmas Eve or New Year's Eve. They aren't federal holidays. Usually, Chase branches stay open, but they often cut the lights early. You might find your local spot closing at 2:00 PM or 3:00 PM instead of the usual 5:00 PM.
Black Friday is another weird one. Most people assume banks are closed because everyone is out shopping, but Chase is actually open on Black Friday. It's a regular business day for them.
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Why Your Direct Deposit Is Late
This is the big one. If your payday falls on a holiday Monday, don't expect to see that money in your account on Monday morning.
The ACH (Automated Clearing House) system is what moves money for direct deposits. It doesn't run on federal holidays. If your boss sends payroll on a Friday for a Monday holiday payday, the money won't actually "land" until Tuesday. Sometimes, if your employer is cool, they'll process it a day early so you get paid on Friday. But if they don't? You're waiting.
Wires are the same way. A wire transfer initiated on a holiday won't even start moving until the next business day.
The ATM Loophole
Here is some good news: Chase ATMs are basically the 24/7 zombies of the banking world. They don't care about Labor Day. You can still:
- Withdraw cash (up to your daily limit, usually $500 to $3,000 depending on your account).
- Deposit cash or checks.
- Check your balance.
- Transfer money between your Chase accounts.
Just remember that if you deposit a check at an ATM on a holiday, the "processing clock" doesn't start until the next business day. If you put a check in on Saturday of a holiday weekend, the bank won't even look at it until Tuesday.
Using the App when branches are dark
The Chase Mobile app is your best friend when the doors are locked. You can do almost everything there. Mobile check deposit is a lifesaver, and Zelle still works for sending money to friends instantly, even on Christmas.
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Things You Can't Do on a Holiday
Some things just require a human. If you need a notary public, a cashier's check, or access to your safe deposit box, you are out of luck until the branch reopens.
I’ve seen people get really stressed out trying to get a cashier's check for a car or a house closing on a holiday. It won't happen. If you have a big transaction coming up near a long weekend, you've got to get that paperwork sorted by Friday afternoon.
Actionable Steps for the Next Holiday
To keep your sanity, there are a few things you should do before the next closure hits:
- Check the App Locator: The "Find Us" tool in the Chase app is actually updated with holiday hours. Don't guess; just check the app before you drive.
- Schedule Transfers Early: If you have a bill due on a Monday holiday, schedule the payment for the Friday before.
- Know Your Limits: Check your daily ATM withdrawal limit in the app settings. If you think you'll need more cash for a holiday weekend, get it out on Thursday or Friday.
- Mobile Deposit Cutoffs: Usually, if you deposit a check via the app before 11:00 PM ET on a business day, it starts processing that night. On a holiday, that cutoff moves to the next business night.
Keeping a small cash buffer in your wallet during long weekends is a smart move. You never know when a "cash only" situation will pop up while the banks are taking their state-mandated nap.