Chime’s Holiday Hours on Martin Luther King Jr. Day

man using Chime bank mobile app
insta_photos / Getty Images/iStockphoto

Chime is a financial technology company owned by Bancorp Inc, N.A. One of its main attractions is that customers can take advantage of its services and offerings without having to worry about overdraft charges or monthly maintenance fees.

If you wonder whether Chime operates during typical banking hours, keep reading to find out.

Chime Hours for Normal Days

As an online-only alternative to banks, Chime doesn’t maintain physical branches, so it’s technically open around the clock. However, it’s customer service lines do follow a schedule, and some of its banking functions might be affected by national bank holidays.

Is Chime Open on Weekends? Does Chime Deposit on Weekends?

The timing of direct deposits will vary on when the payment is sent to your Chime account. Deposits are posted Monday through Friday.

You can access your Chime account either online or with the app at any time, including on weekends. Since there are no physical branches, “normal” banking hours do not apply to Chime.

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While some customers might prefer face-to-face interactions with bank tellers, one of the advantages of using an online alternative to banks is that you never have to worry about planning your schedule around visiting a physical location.

Chime Hours for Holidays

Although Chime is not a bank and has no physical branches, it still observes bank holidays — and banks don’t typically process deposits on holidays. If you make a deposit on a federal bank holiday, it will be processed the next business day.

These are the holidays that banks in the U.S. observe in 2023:

Chime Bank Holidays 2023
Holiday Date
New Year’s Day Monday, Jan. 2
Martin Luther King Jr. Day Monday, Jan. 16
Presidents Day Monday, Feb. 20
Memorial Day Monday, May 29
Juneteenth National Independence Day Monday, June 19
Independence Day Tuesday, July 4
Labor Day Monday, Sept. 4
Columbus Day Monday, Oct. 9
Veterans Day Saturday, Nov. 11
Thanksgiving Day Thursday, Nov. 23
Christmas Day Monday, Dec. 25

How To Access Your Chime Account Outside of Business Hours

Chime is designed so you can access your account whenever you want to, whether online or through Chime’s mobile app. With the app, you can deposit checks, transfer money and set up account alerts.

A Better Way to Bank

Chime is also part of an extensive network of more than 38,000 MoneyPass and Visa Plus Alliance ATMs if you need to make a fee-free withdrawal.

How To Contact Chime Customer Service

You can contact Chime in three different ways:

  • Phone: Chime’s customer service number is 844-244-6363.
  • Message: Log in to your Chime account to send them an inquiry.
  • Email: Chime’s support address is

Note that customer service lines are open Monday through Saturday from 7 a.m. to 7 p.m. CT, and Sunday from 9 a.m. to 5 p.m. CT.

Information is accurate as of January 16, 2023.

Editorial Note: This content is not provided by Chime. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Chime.

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.

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A Better Way to Bank

About the Author

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.
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