Chime Bank Holidays in 2025
Chime is a popular digital banking platform that offers fee-free banking services to millions of customers across the United States. As a digital-only bank, Chime operates slightly differently than traditional brick-and-mortar institutions when it comes to bank holidays and branch closures.
Chime’s Approach to Bank Holidays
Unlike banks with physical locations, Chime’s services are available 24/7 through their mobile app and online platform. This means that Chime does not close its “branches” on federal bank holidays. However, Chime does observe certain holidays by making adjustments to transaction processing and customer support hours.
chime bank Holidays Transaction Processing On federal bank holidays
Chime may experience delays in processing certain types of transactions, such as:
- Direct deposit payments
- Debit card purchases
- ACH transfers
These transactions may take an extra business day to clear and appear in customers’ accounts. Chime advises customers to plan accordingly and ensure they have sufficient funds available leading up to and during bank holidays.
Customer Support Availability
Chime’s customer support team also observes certain holidays, which can impact response times and the availability of live chat and phone support. On federal bank holidays, Chime’s support channels may have reduced hours or be completely unavailable.
Customers are encouraged to check Chime’s website or mobile app for the most up-to-date information on customer support hours during holidays.
2025 Chime Bank Holidays
Now, let’s take a closer look at the specific bank holidays in 2025 that may impact Chime customers:
New Year’s Day (January 1, 2025)
New Year’s Day is a federal holiday in the United States, and it is observed by Chime in the following ways:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels, including phone, chat, and email, will be closed on New Year’s Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Martin Luther King Jr. Day (January 21, 2025)
Martin Luther King Jr. Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will have reduced hours on Martin Luther King Jr. Day, with limited availability through phone, chat, and email.
Presidents’ Day (February 17, 2025)
Presidents’ Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will have reduced hours on Presidents’ Day, with limited availability through phone, chat, and email.
Memorial Day (May 26, 2025)
Memorial Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will be closed on Memorial Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Independence Day (July 4, 2025)
Independence Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will be closed on Independence Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Labor Day (September 1, 2025)
Labor Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will be closed on Labor Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Columbus Day (October 13, 2025)
Columbus Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will have reduced hours on Columbus Day, with limited availability through phone, chat, and email.
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Veterans Day (November 11, 2025)
Veterans Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will have reduced hours on Veterans Day, with limited availability through phone, chat, and email.
Thanksgiving Day (November 27, 2025)
Thanksgiving Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will be closed on Thanksgiving Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Christmas Day (December 25, 2025)
Christmas Day is a federal holiday in the United States, and Chime will observe it as follows:
Transaction Processing Direct deposits, debit card purchases, and ACH transfers may experience a one-business-day delay in processing and appearing in customers’ accounts.
Customer Support Chime’s customer support channels will be closed on Christmas Day. Customers can still access their accounts through the mobile app and website, but response times for any support inquiries may be slower.
Conclusion
In summary, while Chime’s digital banking services are available 24/7, the company does observe federal bank holidays by adjusting its transaction processing and customer support hours. Customers should be aware of these changes and plan accordingly to ensure they have sufficient funds available and understand the potential delays in their banking activities.