Chase Bank Operating Hours (2025)

FAQs

What time does Chase Banking Day end? ›

If your deposit was sent on or before the business day cutoff (11 PM Eastern time), you'll receive this message the same day. A business day is every day except Saturday, Sunday, and federal and state holidays.

Chase.com/mobile, received before 11 PM ET (8 PM PT): transfers from another Chase account, Zelle^{® 1} , or Chase QuickDeposit ℠ ². Non-Chase accounts: Processing times may be longer and transfers from non-Chase accounts may not settle prior to our 11 PM ET (8 PM PT) cutoff.

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Chase Bank / Customer service

It does not make the limit available on its website. However, a Chase customer service representative provided the following information. If you have a basic Chase debit card, you can withdraw up to $3,000 per day at your in-branch Chase ATM. For Chase ATMs outside of your branch, you can withdraw up to $1,000 per day.

Here's how long it generally takes for a check to clear: Usually within two business days for personal checks but up to seven for some accounts. Usually one business day for government and cashier's checks and checks from the same bank that holds your account.

The Bank Secrecy Act requires banks to report deposits over $10,000. Breaking up your $10,000 deposit into smaller deposits will likely still trigger a report. If you need to deposit a large amount, it's best to just do it -- if you're not engaging in illegal activity, you have nothing to worry about.

The Chase 5/24 rule is strict for a reason — the issuer offers valuable rewards credit cards and lucrative welcome bonuses, and without guidelines in place it would be easy to take advantage of these and "game" the system.

How much money can I transfer? Most Chase accounts have a $25,000 per day limit.

If you overdraw your checking account, the bank can pull funds from your savings to cover the shortage, as long as you have enough funds available. Your bank may still charge you a fee for transferring the funds automatically, but it is typically less than an overdraft charge.

This $20,000 cash withdrawal is above the $10,000 daily limit, so your bank automatically files a report under the BSA. Information about your large cash transaction is sent to the Financial Crimes Enforcement Unit (FinCEN) within the U.S. Treasury Department.

Can I withdraw $10,000 from Chase bank? ›

That said, cash withdrawals are subject to the same reporting limits as all transactions. If you withdraw $10,000 or more, federal law requires the bank to report it to the IRS in an effort to prevent money laundering and tax evasion.

What are business days for banks? Business days for banks are typically Monday through Friday from 9 a.m. to 5 p.m., excluding federal holidays. Transactions received outside of these hours are typically posted on the next business day.

The ATM withdrawal limit for Chase cards resets every 24 hours. That being said, you will have the chance to withdraw $500 or $1,000 on a few consecutive days if this is something you want or need. You should keep in mind that the reset time is at midnight Eastern Standard Time.

Depositing a check at a bank

As long as the check is deposited before the institution's specified cut-off time, it should be available within a day or two. While the cut-off time for a branch deposit can vary, it can't be earlier than 2 p.m., by law.

The total wire transfer limit is $250,000 per business day and the wire cut-off time is 4pm EST. So be sure you get your request in before this cut-off time, otherwise Chase will only process it the next business day. For domestic wire transfers, it usually takes 1-2 business days for the funds to be received.