Is Chase Bank Closed on Veterans Day? What You Need to Know

If you're staring at a stack of checks or a looming bill on November 11th, you've probably asked: is Chase Bank closed on Veterans Day?

Most people assume all banks just shut down whenever the government does. It's a fair guess. After all, the Federal Reserve is the heartbeat of the American banking system, and when they take a nap, the rest of the industry usually follows suit.

But with Chase, the answer isn't always a simple "yes" or "no" depending on what year you’re looking at and what you actually need to do. Honestly, the confusion usually stems from the difference between a "federal holiday" and a "bank holiday."

The Short Answer for 2025 and 2026

If you’re looking for a quick fix, here is the deal: Chase Bank branches are closed on Veterans Day. Because Veterans Day is a federal holiday, Chase follows the Federal Reserve's lead. In 2025, November 11 falls on a Tuesday. In 2026, it hits on a Wednesday. On both of those days, if you walk up to a physical Chase branch, you’re going to find the lights off and the doors locked.

I’ve seen some conflicting info online suggesting that Chase stays open while others close. That’s mostly noise. While some retail stores like Costco or Target stay open to run big sales, the big banks—JPMorgan Chase, Bank of America, Wells Fargo—stick to the federal schedule.

Why Your Money Might "Freeze" Even if the App Works

You’ve probably noticed that your Chase Mobile app doesn't have a "closed for the holiday" sign. You can log in, check your balance, and even initiate a transfer.

But there’s a catch.

Since the Federal Reserve is closed, the plumbing of the banking system stops moving. This means:

• ACH Transfers: If you send money to a friend's external account on Veterans Day, it won't actually start moving until the next business day.
• Mobile Deposits: You can snap a photo of a check and "deposit" it, but Chase won't start processing that money until the following morning.
• Wire Transfers: These are essentially dead in the water until the Fed reopens.

It’s kinda frustrating when we live in a 24/7 digital world, but the "settlement" of funds still relies on government-regulated rails. Basically, your transaction sits in a digital waiting room until the bankers go back to work.

What Stays Open at Chase?

Even though the tellers are home, you aren't totally locked out of your cash. Chase keeps their ATMs running 24/7. Most of the newer "e-ATM" machines they’ve installed lately are pretty capable. You can:

1. Withdraw cash (obviously).
2. Deposit stacks of cash or checks.
3. Pay your Chase credit card bill.
4. Check your exact available balance.

If you’re in a pinch and need to get a check into your account so it clears as fast as possible, using the ATM on Veterans Day is still better than waiting until Wednesday morning. It gets you "in line" for the next day's processing batch.

👉 See also: The Costco Business Center Chicago: Why It’s Actually Better Than Your Local Warehouse

Customer Support Limits

Don't expect to get a human on the phone for general account questions. While Chase's fraud department usually has some level of 24/7 monitoring, their standard customer service lines for things like mortgage help or opening a new savings account will be closed or extremely limited.

Looking Ahead: The 2026 Calendar

Since we’re planning ahead, let’s look at how the 2026 schedule shakes out. Veterans Day is Wednesday, November 11, 2026.

It’s a mid-week closure, which is actually the most disruptive kind. When a holiday falls on a Monday, we’re used to the "long weekend" vibe. But a Wednesday closure creates a "sandwich" effect where Tuesday's late-night transactions and Wednesday's holiday activity all pile up for a massive logjam on Thursday.

If you have a mortgage payment or a car note due around the 11th, I’d highly recommend scheduling those payments to go out by the 9th or 10th. You don't want to deal with a "late" payment just because the Fed was closed and your transfer didn't land in time.

Exceptions to the Rule?

Are there ever branches open? In very rare cases, you might find a Chase "kiosk" or a special location inside a high-traffic area like an airport that maintains different hours, but even then, they usually can't process "official" banking business. They’re more for basic assistance.

For 99.9% of us, the local branch is a no-go.

Actionable Steps for the Holiday

Don't let a closed branch mess up your week. Here is how to handle a Chase closure like a pro:

• Move money early: If you need to pay a bill by the 12th, initiate that transfer on the 9th.
• Use the app for checks: Don't wait until the branch opens Thursday. Use the mobile deposit feature on Tuesday (the holiday) so it's first in line when the bank "wakes up" on Wednesday.
• Check the ATM locator: If you need to deposit cash, use the Chase app to find a "DepositFriendly" ATM nearby. Some older ones in gas stations might only allow withdrawals.
• Expect a "Double" Statement: Sometimes, your online activity feed looks weird after a holiday because two days of transactions post at once. Don't panic; it usually levels out within 48 hours.

The bottom line: Is Chase Bank closed on Veterans Day? Yes. But your digital tools are still in your pocket, even if the lobby is dark.

Schedule your high-priority transfers at least two business days before November 11th to ensure they clear without holiday-induced delays.