Is Chase Open on Memorial Day?

No, Chase bank branches are not open on Memorial Day. As with most federal holidays, Chase observes Memorial Day by closing its physical branch locations to honor the nation’s fallen service members. While ATMs and digital banking services remain fully operational, customers seeking in-person assistance should plan accordingly. If you're asking is Chase open on Memorial Day, the answer is no — but it's important to understand why, what services are still available, and how to confirm hours for your specific location, especially since some financial needs may arise around this long weekend.

Short Answer Overview: Is Chase Open on Memorial Day?

The straightforward answer is that Chase does not open its retail bank branches on Memorial Day. This closure is consistent with the bank’s policy for most major federal holidays. Memorial Day, observed on the last Monday of May each year, is a national day of remembrance for U.S. military personnel who died while serving. In observance, Chase, like many other banks regulated under federal guidelines, closes its physical locations. However, essential digital services such as mobile banking, online account access, bill payments, and ATM networks continue to function without interruption.

It’s worth noting that while branch offices are closed, drive-thru teller windows and in-branch ATMs may still be accessible depending on the facility. Customers should not expect live teller or banker support at any Chase branch on Memorial Day unless otherwise announced through official channels.

Chase’s Typical Holiday Operating Policy

Chase follows a standardized holiday schedule aligned with the Federal Reserve and U.S. banking regulations. The bank observes nine major federal holidays each year, during which all retail branches are closed. These include:

New Year’s Day (January 1)
Martin Luther King Jr. Day (third Monday in January)
Presidents’ Day (third Monday in February)
Memorial Day (last Monday in May)
Juneteenth National Independence Day (June 19)
Independence Day (July 4)
Labor Day (first Monday in September)
Veterans Day (November 11)
Thanksgiving Day (fourth Thursday in November)
Christmas Day (December 25)

Christmas Eve and New Year’s Eve are not full bank holidays, but many Chase branches operate on reduced hours on those days. For example, a typical branch might close at 2:00 PM or 3:00 PM instead of the usual 5:00 PM or 6:00 PM. These early closures allow employees time to prepare for the holiday and ensure safe travel.

On the other hand, weekends like Saturdays and Sundays generally see limited Saturday-only operations at select branches, while most locations remain closed on Sundays unless located within a grocery store or shopping center with extended hours.

Why Some Locations Might Seem Different

While Chase maintains a national holiday policy, there can be rare exceptions based on local regulations or unique operational setups. For instance:

Branches inside grocery stores or malls may follow different schedules than standalone locations. A Chase branch inside a Target or Kroger might stay open longer on certain days due to the host retailer’s hours, but this typically doesn’t apply to federal holidays like Memorial Day.
Company-owned vs. franchise models: Unlike retail chains with franchises, Chase operates all branches directly under JPMorgan Chase & Co., so there is no variation due to franchise ownership. All decisions about holiday closures come from corporate headquarters.
Regional differences: Some states have additional state-specific banking holidays, but these rarely affect federal holiday closures. Regardless of whether you're in New York, Texas, or California, Chase branches will be closed on Memorial Day.

Despite these nuances, the rule remains firm: no Chase branches are open for regular banking services on Memorial Day.

Factors That Influence Chase’s Memorial Day Closure

Understanding why Chase closes on Memorial Day involves more than just knowing the date. It ties into broader cultural, legal, and operational factors.

Federal Banking Regulations and Industry Standards

Banks in the United States often align their operations with the Federal Reserve System, which processes transactions and clears checks. On federal holidays, the Fed is closed, meaning interbank transfers, check clearing, and wire processing are suspended until the next business day. Because of this, commercial banks like Chase have little incentive to keep branches open when core backend systems are inactive.

In addition, many payroll systems, direct deposits, and automatic bill payments scheduled for Memorial Day will be processed on the next business day (Tuesday, June 3 in 2025). Customers should anticipate minor delays in fund availability or transaction posting if they occur over the holiday weekend.

Cultural Significance of Memorial Day

Memorial Day originated after the Civil War as a day to honor those who died in military service. Over time, it evolved into a federal holiday marked by ceremonies, flag displays, and moments of silence. Financial institutions, including banks, participate in this national observance by closing their doors. Keeping branches open would contradict the solemn nature of the holiday and could be seen as insensitive to veterans and families of the fallen.

Employee Observance and Work-Life Balance

Bank employees, including tellers, personal bankers, and managers, are entitled to paid time off on federal holidays. Closing on Memorial Day supports employee well-being and allows staff to spend time with family, attend parades, or visit cemeteries in observance. This practice also helps Chase maintain high employee satisfaction and retention rates across its nationwide workforce.

How to Plan Around Chase’s Memorial Day Closure

Even though branches are closed, customers can still manage their finances effectively with proper planning. Here’s how to navigate banking needs around Memorial Day weekend.

When Should You Visit a Chase Branch Before Memorial Day?

If you need in-person services such as cash deposits, certified checks, loan consultations, or safe deposit box access, plan to visit your local Chase branch on the Friday before Memorial Day. Most branches operate on normal business hours (typically 9:00 AM to 5:00 PM or 6:00 PM) on that day.

Avoid waiting until Saturday, as only select Chase branches offer Saturday hours, and even fewer provide full-service banking. Call-ahead verification is recommended.

What Services Are Available on Memorial Day?

Although physical branches are closed, Chase provides several alternative options:

Mobile App and Online Banking: Full access to balances, transfers, bill payments, Zelle® transfers, and mobile check deposits.
ATMs: Available 24/7 for withdrawals, deposits (at enabled ATMs), balance inquiries, and cash advances.
Customer Service Hotline: Reach Chase support via phone at 1-800-935-9935 for account issues, fraud alerts, or card replacements.
Digital Wallets and Contactless Payments: Use Apple Pay, Google Pay, or Samsung Pay for purchases without needing cash or visiting a branch.

What to Do If You Need Urgent In-Person Assistance

In rare cases where urgent banking services are needed (e.g., lost/stolen card replacement requiring in-branch ID verification), consider the following:

Contact Chase customer service to see if an emergency appointment can be arranged (rarely offered).
Visit a JPMorgan Chase-operated branch in a different city only if traveling — but expect the same closure policy.
Use a non-Chase ATM for cash access (note: fees may apply).
Request expedited card delivery through the app if your card was compromised.

Step-by-Step Guide to Confirming Chase Hours on Holidays

To avoid confusion and ensure accurate information, follow these steps to verify your local branch’s holiday schedule:

Open the Chase Mobile App or go to chase.com.
Navigate to “Branch & ATM Locator.”
Enter your zip code or allow location access.
Select your nearest branch from the list.
Check the “Hours” section for any special holiday notices.
Look for banners or alerts indicating temporary closures or modified hours.
Call the listed branch phone number to speak with a representative (even if closed, recorded messages may confirm reopening times).

Note: Holiday policies can change year to year, especially in response to emergencies or national events. Always double-check close to the date.

Holiday	Are Chase Branches Open?	ATMs Accessible?	Online/Mobile Banking?
Memorial Day	No	Yes	Yes
Independence Day	No	Yes	Yes
Labor Day	No	Yes	Yes
Thanksgiving Day	No	Yes	Yes
Christmas Day	No	Yes	Yes
Saturday (Regular)	Some branches	Yes	Yes
Sunday	No	Limited	Yes

Frequently Asked Questions

Is Chase open on Memorial Day 2025?

No, Chase branches will be closed on Memorial Day 2025, which falls on Monday, May 26. This is consistent with federal banking holidays.

Can I use a Chase ATM on Memorial Day?

Yes, Chase ATMs are available 24/7, including on Memorial Day. You can withdraw cash, make deposits (at eligible ATMs), and check balances.

Does Chase process payments on Memorial Day?

No, automated payments and direct deposits scheduled for Memorial Day will be delayed and processed on the next business day, Tuesday, May 27, 2025.

Are Chase customer service centers open on Memorial Day?

Phone-based customer service may still operate with limited staffing. Automated systems and online chat support remain active for basic inquiries.

Will my Chase branch have special hours after Memorial Day?

Normal business hours resume on Tuesday, May 27, 2025. There are typically no special post-holiday adjustments to standard operating times.