Chase Bank Hours: The Complete Guide
Weekdays, Saturdays, drive-through versus lobby, holiday closures, mobile deposit cutoffs, and what works when your branch is closed. Everything you need to plan around Chase's 4,700+ branches.
Quick Answer
Monday – Friday
9 AM – 5 PM
Some metro branches until 6 PM
Saturday
9 AM – 1 or 2 PM
Most branches open; varies by location
Sunday
Closed
Rare exceptions in grocery stores
These are typical hours. Chase has over 4,700 branches and every one can set its own schedule. A branch in midtown Manhattan might close at 6 PM; one in suburban Indiana might close at 4:30 PM. The only reliable way to check your specific branch is the Chase branch locator or the Chase Mobile app.
The Real Story: Why “9 to 5” Is Only Part of the Answer§
If you Google “Chase bank hours,” every result gives you the same answer: 9 AM to 5 PM weekdays, 9 to 1 or 2 on Saturday, closed Sunday. That's correct as a rough average but unhelpful if you're trying to decide whether to leave work at 4:45 to make it to your branch. The truth is that Chase's hours vary more than almost any other bank — and the variation is predictable once you understand the patterns.
Metro Branches: Later Hours, More Saturday
Chase branches in New York City, Chicago, Los Angeles, San Francisco, Houston, and other major metros typically keep later weekday hours — closing at 5:30 or 6:00 PM rather than 5:00 PM. Many Manhattan branches are open until 6:00 PM on weekdays and until 2:00 or even 3:00 PM on Saturdays. This reflects higher foot traffic and the reality that working professionals in dense cities can't always leave the office by 4:30 PM.
The trade-off: metro branches almost never have drive-throughs (no room), parking can be difficult, and lines tend to be longer during lunch hours (noon to 1:30 PM).
Suburban & Rural: Earlier Close, Drive-Through
Branches in suburban neighborhoods, small towns, and rural areas are more likely to close at 4:30 or 5:00 PM on weekdays and 1:00 PM on Saturday. Some close at noon on Saturday. The advantage is these branches almost always have drive-through lanes, which often open earlier (8:00 or 8:30 AM) and may stay open slightly after the lobby closes.
If you bank in the suburbs and need to make it before closing, the drive-through is your safety net — it may be open 30–60 minutes past the lobby close.
Lobby vs. Drive-Through: They're Not the Same Hours§
This is the detail most guides skip: at branches with drive-through lanes, the drive-through and lobby can have different hours. In many suburban Chase locations, the drive-through opens at 8:00 or 8:30 AM while the lobby doesn't open until 9:00 AM. On some days, the drive-through stays open 15–30 minutes after the lobby closes. If you're cutting it close, pull into the drive-through lane rather than trying the front door.
What You Can Do in the Lobby
Everything: teller transactions, banker appointments, safe deposit boxes, cashier's checks, notary services, account openings, loan applications, and coin counting. The lobby is required for anything that needs a banker (not just a teller), a signature, or access to physical vaults.
What You Can Do at the Drive-Through
Deposits (cash and checks via teller tube or drive-up ATM), withdrawals, loan payments, and basic account inquiries. You cannot get cashier's checks, access safe deposit boxes, open accounts, or use notary services through the drive-through. Some Chase locations are replacing teller-staffed drive-throughs with ATM-only lanes, which are available 24/7.
Trend to watch: Chase is gradually converting teller-staffed drive-through lanes to ATM-only drive-up stations. These are available 24/7 and accept cash and check deposits, but you can't talk to a teller. If your branch recently remodeled, check whether it still has a staffed drive-through or has switched to ATM-only. The Chase locator shows which services are available at each branch.
Saturday Hours: The Most Variable Day§
Saturday is Chase's most searched and most confusing day. The majority of Chase branches ARE open on Saturday — this is actually a competitive advantage, since many regional banks and credit unions are closed. But the hours vary more than any other day of the week.
The general pattern is 9:00 AM to 1:00 PM or 2:00 PM, but here is how it varies by market:
Major Metros
New York, Chicago, LA, Houston, SF, Miami
Most branches open 9 AM – 2 PM or later. Downtown Manhattan and Chicago Loop branches may stay open until 3:00 or even 4:00 PM. Higher staffing than suburban branches.
Suburban Markets
Typical suburbs, strip mall locations
Most branches open 9 AM – 1 PM. Some close at noon. Staffing is reduced — often 2 tellers instead of the weekday 3–4. Lines build fast after 11:00 AM. Get there by 10 AM for the best experience.
Small Town / Rural
Towns under 25,000 population
Some branches skip Saturday entirely. Others open 9 AM – noon. Check the locator before driving — don't assume your small-town branch has Saturday hours.
Saturday strategy: Go between 9:00 and 10:00 AM. Saturday staffing is always lighter than weekdays, and the people who procrastinated all week show up between 11:00 AM and noon, creating the longest wait times just as the branch is winding down. If you need a banker appointment (not just a teller), book online through chase.com — walk-in banker availability on Saturdays is limited and unpredictable.
Chase Holiday Schedule: Closed All 11 Federal Holidays§
Chase closes for every federal holiday — no exceptions. This is different from TD Bank, which stays open on Columbus Day and Presidents' Day. If you bank at Chase, assume every federal holiday is a full closure.
| Holiday | 2026 Date | Chase Status |
|---|---|---|
| New Year's Day | Thursday, January 1 | Closed |
| Martin Luther King Jr. Day | Monday, January 19 | Closed |
| Presidents' Day | Monday, February 16 | Closed |
| Memorial Day | Monday, May 25 | Closed |
| Juneteenth | Friday, June 19 | Closed |
| Independence Day | Saturday, July 4 (observed Fri, July 3) | Closed (observed Friday) |
| Labor Day | Monday, September 7 | Closed |
| Columbus Day | Monday, October 12 | Closed |
| Veterans Day | Wednesday, November 11 | Closed |
| Thanksgiving | Thursday, November 26 | Closed |
| Christmas Day | Friday, December 25 | Closed |
On Christmas Eve and New Year's Eve, Chase branches typically open at their normal time but close early — usually around 2:00 PM. The day before Thanksgiving (Wednesday) usually has normal hours. Black Friday (the day after Thanksgiving): most Chase branches open with reduced hours, typically closing by 2:00–4:00 PM.
Columbus Day note: Chase closes on Columbus Day / Indigenous Peoples' Day, but TD Bank stays open. If you need in-person banking on Columbus Day, TD Bank is your best option among national banks. The stock market (NYSE/NASDAQ) is also open on Columbus Day while Chase is closed.
What Works When Your Chase Branch Is Closed§
Chase has invested heavily in making most banking tasks available outside branch hours. For routine banking, you may never need to visit a branch at all. Here is what works around the clock:
24/7 Services — No Branch Needed
Chase ATMs (16,000+ locations): Cash withdrawals, cash and check deposits, balance checks, transfers between your Chase accounts. Vestibule ATMs inside branch lobbies are accessible 24/7 with your debit card even when the inner branch is locked.
Chase Mobile app: Mobile check deposit (cutoff 11:00 PM ET — later than most banks), balance checks, transfers, bill pay, Zelle, card lock/unlock, and fraud alerts. The app is your branch after hours.
Chase Online (chase.com): Everything the app does, on a full screen. Wire transfers can be initiated online if you've enrolled in the service.
Zelle: Send money instantly to anyone with Zelle at their bank. Available 24/7 in the Chase app. Payments to other Zelle users arrive in minutes.
Fraud reporting: Call 1-800-935-9935 any time, day or night. Fraud is the one phone service that's truly 24/7.
Branch-Only Services — Must Visit During Hours
Cashier's checks / official bank checks: Cannot be issued through an ATM or app. Requires a teller. If you need one by a specific deadline (e.g., a real estate closing), plan your branch visit in advance.
Safe deposit box access: Available only during branch lobby hours. No holiday or after-hours access.
Notary services: Available at branches that have a notary on staff — not all do. Call ahead to confirm, especially on Saturdays when staffing is reduced.
Large cash transactions: While ATMs have deposit limits, branch tellers can handle any amount (transactions over $10,000 require a Currency Transaction Report).
Certain account openings: Some account types and business banking setups require an in-person banker appointment.
Wire Transfer & Direct Deposit Timing at Chase§
Wire Transfers
Chase domestic wire transfers process same-day if submitted before the cut-off. For in-branch wires, submit before the branch closes (and realistically, allow at least 30 minutes for processing). For online wires (available if you've enrolled), the system cut-off is later, but same-day processing depends on Fedwire's schedule.
International wires typically take 1–3 business days depending on the destination country and intermediary banks. Chase offers online international wire transfers for personal accounts. There is no published limit on Chase wire transfer amounts — limits are set individually based on your account relationship.
Same-day domestic wires cannot be cancelled once sent. Future-dated wires can be cancelled until 11:59 PM ET the day before the send date. International wires have a 30-minute cancellation window.
Direct Deposit
Chase posts incoming direct deposits between 3:00 AM and 6:00 AM Eastern Time on the scheduled pay date. The exact time depends on when your employer's payroll processor submits the ACH file and Chase's batch processing order.
Unlike neobanks like Chime and SoFi, Chase does not offer early direct deposit. You receive your pay on the date your employer scheduled it, not before. If your employer submits payroll early and the ACH file arrives at Chase a day or two before payday, Chase holds it until the scheduled date.
Holiday impact: If your payday falls on a federal holiday, most employers advance the deposit to the Friday before. If you don't see your deposit by 9:00 AM on payday, check with your employer first — the delay is almost always on their end, not Chase's.
Chase Customer Service Hours & Phone Numbers§
| Service | Phone Number | Hours |
|---|---|---|
| General banking | 1-800-935-9935 | Mon–Fri 8 AM–midnight ET, Sat–Sun 9 AM–midnight ET |
| Fraud / lost or stolen card | 1-800-935-9935 | 24/7 |
| Credit card services | 1-800-432-3117 | Mon–Fri 8 AM–midnight ET, Sat–Sun 9 AM–midnight ET |
| Mortgage | 1-800-848-9136 | Mon–Fri 8 AM–10 PM ET, Sat 8 AM–2 PM ET |
| Auto loans | 1-800-336-6675 | Mon–Fri 8 AM–9 PM ET, Sat 8 AM–5 PM ET |
| Business banking | 1-800-242-7338 | Mon–Fri 8 AM–8 PM ET |
| International calls | 1-713-262-3300 | Same as general banking (collect calls accepted) |
| TTY/TDD | 1-800-242-7383 | Same as general banking |
Skip the phone tree: After dialing 1-800-935-9935, press 0 repeatedly to reach a live person faster. Best times to call for short wait times: Tuesday or Wednesday, 10 AM – 2 PM ET. Avoid Monday mornings and Friday afternoons — those are peak call volumes. The Chase Mobile app's secure messaging feature is also available 24/7 and often gets a response within a few hours.
Frequently Asked Questions§
What time does Chase bank open and close?
Most Chase branches open at 9:00 AM and close at 5:00 PM, Monday through Friday. However, this varies significantly by location. Branches in major metro areas like New York City, Chicago, and Los Angeles frequently stay open until 6:00 PM on weekdays, while some suburban and rural branches close at 4:30 PM. Drive-through lanes, where available, often open as early as 8:00 AM and close at 5:00 or 6:00 PM. The only way to confirm your specific branch's hours is the Chase branch locator at chase.com/locations or the Chase Mobile app.
Is Chase bank open on Saturday?
The majority of Chase branches are open on Saturday, but with shorter hours than weekdays — typically 9:00 AM to 1:00 PM or 9:00 AM to 2:00 PM. This is one of Chase's practical advantages: many regional banks skip Saturdays entirely, while Chase staffs most of its 4,700+ branches on Saturday mornings. That said, not every branch opens Saturday. Rural locations and some standalone branches may be weekday-only. Saturday hours also vary by market — a downtown Manhattan branch might stay open until 3:00 or 4:00 PM on Saturday, while a suburban branch in Ohio might close at noon.
Is Chase bank open on Sunday?
Almost never. The vast majority of Chase's 4,700+ branches are closed on Sundays. The only exceptions are a small number of locations inside grocery stores or major retail centers in high-traffic urban areas, which may keep limited Sunday hours (typically 10:00 AM to 2:00 PM). These are genuinely rare — do not assume your branch is open Sunday without checking the locator first. For Sunday banking, use Chase ATMs (available 24/7), the Chase Mobile app, or Chase Online banking.
What holidays does Chase bank close for?
Chase closes on all 11 federal holidays: New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. This includes Columbus Day and Presidents' Day, when some other banks (notably TD Bank) stay open. On the day before major holidays (Christmas Eve, New Year's Eve), Chase typically opens at its normal time but closes early — usually around 2:00 PM. Chase ATMs and the Chase Mobile app are available 24/7, including holidays.
What time does Chase close on Saturday?
Most Chase branches close between 1:00 PM and 2:00 PM on Saturday. The exact closing time depends on your specific branch. Branches in dense urban markets (New York, San Francisco, Chicago) are more likely to stay open until 2:00 PM or later, while suburban branches more commonly close at 1:00 PM. Drive-through lanes at branches that have them may close at the same time as the lobby or slightly later. Saturday staffing is typically lighter than weekdays, so teller lines can get long after 11:00 AM — arriving early is strongly recommended.
Does Chase have drive-through banking?
Many Chase branches in suburban and rural locations have drive-through lanes. Urban branches in dense city centers (Manhattan, downtown Chicago, San Francisco Financial District) generally do not. Where available, drive-through hours often differ from lobby hours: the drive-through may open 30 minutes to an hour earlier than the lobby (8:00 AM vs 9:00 AM) and may stay open slightly later. Some Chase locations are transitioning from teller-staffed drive-throughs to ATM-only drive-up lanes, which are available 24/7. Check the Chase branch locator for drive-through availability at your specific location.
What is the Chase mobile deposit cutoff time?
Chase's mobile deposit cutoff is 11:00 PM Eastern Time — later than most major banks ( Bank of America and Wells Fargo cut off at 8:00 or 9:00 PM). A check deposited via the Chase Mobile app before 11:00 PM ET on a business day begins processing that night. Deposits made after 11:00 PM ET, or on weekends and holidays, are treated as next-business-day deposits. Under federal Regulation CC, the first $225 of any mobile deposit is available the same business day, with the remainder typically available the next business day for established accounts.
What are Chase customer service phone hours?
Chase customer service is available by phone at 1-800-935-9935. General banking support is available Monday through Friday, 8:00 AM to midnight ET, and Saturday–Sunday 9:00 AM to midnight ET. Fraud reporting and card security services are available 24/7 — if your card is lost or stolen, call any time. The Chase Mobile app also offers 24/7 secure messaging. For the fastest phone experience, call Tuesday or Wednesday between 10:00 AM and 2:00 PM, when call volumes are typically lowest.
When does Chase direct deposit hit?
Chase typically posts direct deposits between 3:00 AM and 6:00 AM Eastern Time on the scheduled pay date. If your employer submits payroll through the standard ACH system, Chase processes incoming deposits in its early morning batch. However, the exact time can vary based on when your employer's payroll processor submits the ACH file and your specific branch's processing queue. Unlike some online banks (Chime, SoFi), Chase does not offer early direct deposit — your funds arrive on the scheduled pay date, not before.
How many Chase branches are there?
Chase operates over 4,700 branches across 48 states (all contiguous U.S. states — Chase does not have branches in Alaska or Hawaii). Chase has 16,000+ branded ATMs plus access to the Allpoint network for certain account types. In 2026, Chase is actively expanding, adding over 160 new branches and renovating nearly 600 existing ones, with a focus on underserved communities and markets like Greater Philadelphia, Greater Boston, Tampa Bay, and the Raleigh-Durham area. Chase reached all lower-48 states in 2021 when it opened its first Montana branch.
What can I do at Chase when the branch is closed?
When Chase branches are closed (evenings, Sundays, holidays), you can still: deposit checks via the Chase Mobile app (cutoff 11 PM ET); withdraw cash at any Chase ATM (16,000+ locations, 24/7); deposit cash or checks at Chase ATMs; transfer money between accounts via Chase Online or the mobile app; send money via Zelle (instant to other Zelle users); pay bills via Chase Online bill pay; lock or unlock your debit card instantly in the app; and report fraud 24/7 by calling 1-800-935-9935. The only services that require a branch visit are: opening certain account types, accessing safe deposit boxes, getting cashier's checks, and notary services.
What time should I go to Chase for the shortest wait?
The best time to visit a Chase branch is Tuesday or Wednesday between 9:00 AM and 10:30 AM. Monday mornings are typically the busiest — people who needed banking over the weekend flood in first thing. Friday afternoons are also high-volume as people cash paychecks and prepare for the weekend. Saturdays get progressively busier throughout the morning; by 11:30 AM, lines are often long as people rush to finish before the 1:00 or 2:00 PM close. If you need a banker appointment (not just a teller), schedule online through chase.com to skip the wait entirely.
Official Chase Resources§
- Chase Branch & ATM Locator — confirm your branch's exact hours.
- Chase Wire Transfer FAQ
- Chase Mobile Banking
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