Are Chase and Wells Fargo open on Jan 19, 2026?

No. Both banks will close all branches for MLK Day on Monday, Jan 19, 2026. Digital banking, cards, and ATMs will still work. Plan in-branch needs by Friday to avoid delays caused by the chase bank 24 hour closure and the Wells Fargo MLK closure.

Will direct deposits arrive on MLK Day?

Most direct deposits scheduled for Monday will post on Tuesday, the next business day. Processing pauses on federal holidays. If timing is critical, ask your employer to process payroll earlier or move funds in advance so the holiday does not create a cash gap.

Can I use Zelle or my debit card during the closure?

Yes. Zelle transfers and card purchases usually work, but posting to your account may reflect the next business day. If you are close to a low balance, transfer money ahead of time. Keep a small buffer to avoid overdrafts during the holiday posting delay.

What if my bill is due on Monday, Jan 19?

Many lenders treat the next business day as on-time, but rules vary. To avoid late fees or interest, pay by Friday or schedule an earlier transfer in your bank app. Check the biller’s policy inside your statement, not just the bank’s calendar.

Global Market Insights

January 12: Chase, Wells Fargo to Shut Jan 19 — Plan Payments

ByHuzaifa Zahoor January 12, 2026January 12, 2026

The chase bank 24 hour closure on Monday, Jan 19, 2026, aligns with MLK Day bank closures nationwide. All retail branches at Chase and Wells Fargo will be shut, with in-person services unavailable. ATMs and mobile apps remain accessible, but many payments initiated on the holiday will post the next business day. We explain what this means for bill pay, transfers, payroll, and investing so you can avoid delays or fees. Use our quick checklist to finalize plans by Friday.