January 12: Chase, Wells Fargo to Shut Jan 19 — Plan Payments
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.
Jan 19 MLK Day: What will and won’t work
Chase will close all branches for 24 hours on Jan 19 as part of MLK Day bank closures. Reports cite 5,300 locations affected at Chase source. In-person services like teller visits, in-branch wires, and safe deposit access will pause until Tuesday. Bank call centers may operate with limited staffing, but expect longer waits. Plan ahead so the chase bank 24 hour closure does not disrupt time-sensitive tasks.
Cards, ATMs, and mobile banking will function. You can withdraw cash, check balances, and initiate mobile deposits, though posting often occurs the next business day. The Wells Fargo MLK closure spans 4,227 branches nationwide source. Keep your debit and credit cards handy for purchases. If you rely on in-branch services, complete them by Friday to avoid getting stuck during the chase bank 24 hour closure.
Payments, transfers, and posting timelines
Payments scheduled on the federal holiday typically post on the next business day, Tuesday, Jan 20. This includes most ACH transfers, wires queued after cutoff, and mobile check deposits. Cutoff times vary by bank. To be safe, set up transfers and deposits by the prior business day, Friday, Jan 16. This reduces the risk that the chase bank 24 hour closure delays mortgage, rent, or tuition payments.
Card purchases usually authorize in real time, but settlement may appear later. Zelle can deliver quickly, yet funding and posting can reflect the next business day depending on your bank. Bank bill pay set for Jan 19 will generally process on Tuesday. If cash is tight, move funds now so the chase bank 24 hour closure does not cause overdrafts.
If a bill is due Jan 19, many lenders treat the next business day as on-time, but policies differ. Some nonbank billers can still count the holiday as due. Avoid surprises: make a payment by Friday or set an earlier digital transfer. Confirm terms inside your bank app and avoid holiday posting delays.
Business checklist to protect cash flow
If payday falls on Monday, run payroll earlier. Because federal holidays pause ACH settlement, employees paid by direct deposit may see funds on Tuesday if you miss Friday windows. Consider advancing a portion through instant pay tools if your provider supports it. Test small-dollar transfers now to confirm routing, especially if you changed banks recently.
Schedule vendor ACH or wires before bank cutoff on the prior business day to keep projects on track. For receivables, invoice today with a clear Friday due date or offer card options. Add a note about MLK Day bank closures so clients understand timing. This limits disputes from delayed posting during the chase bank 24 hour closure.
Retailers should deposit weekend takings by Friday and order extra change for the long weekend. If you need a cashier’s check or in-branch notarization, handle it now. Mobile deposits made Monday often post Tuesday, so consider earlier deposits for large items. Review overdraft settings to avoid fees if transactions clear before incoming funds.
Market hours and your investing plan
U.S. stock and bond markets close on MLK Day. There is no regular trading on Monday, and orders will queue for Tuesday, Jan 20. With T+1 settlement, trades executed Tuesday settle Wednesday. If you planned to raise cash or meet a margin call, place orders Friday. Keep a buffer so the chase bank 24 hour closure and market holiday do not collide.
Mark your calendar with the bank holiday schedule 2026 so you can build buffers around key dates. Examples include Presidents Day on Monday, Feb 16, and Memorial Day on Monday, May 25. Set reminders in your banking app for recurring bills, payroll, and taxes. A simple plan prevents last-minute scrambles on future holidays.
Final Thoughts
Chase and Wells Fargo branches will close for 24 hours on Monday, Jan 19, 2026, in line with MLK Day. Digital banking, cards, and ATMs remain available, but most payments scheduled that day will post Tuesday. To avoid fees or cash crunches, schedule ACH, wires, and mobile deposits by the prior business day, and verify your lender’s due date policy. Businesses should run payroll early, notify clients of holiday timing, and secure weekend cash needs. Investors should note markets are closed Monday and plan orders and settlements accordingly. With a short checklist today, the chase bank 24 hour closure becomes a non-event for your finances.
FAQs
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.
Disclaimer:
The content shared by Meyka AI PTY LTD is solely for research and informational purposes. Meyka is not a financial advisory service, and the information provided should not be considered investment or trading advice.
