How to learn about a specific Monday is a bank holiday
The only way to know if a Monday is a bank holiday is to check the official federal holiday calendar or your bank's holiday schedule. Not every Monday is a bank holiday — the federal government observes 11 holidays per year, and they fall on different days of the week depending on the year.
If you need to know about a specific Monday coming up, search "federal holidays [current year]" or visit the U.S. Office of Personnel Management website, which publishes the complete list each year. Your bank may also post its holiday schedule on their website or in your account settings.
Keep in mind that your bank may observe holidays on different dates than the federal government does, or may close on holidays that are not federal holidays. Some banks stay open on certain federal holidays, while others close early. The safest approach is to check your own bank's calendar rather than assuming.
Key Takeaways
- Federal bank holidays change which day of the week they fall on each year, so you cannot assume a Monday is a holiday without checking the calendar.
- The federal government observes 11 holidays per year, but your bank may observe a different set or on different dates.
- The U.S. Office of Personnel Management publishes the official federal holiday calendar online each year.
- Your bank's website or mobile app will show you which days your specific branch is closed.
The 11 federal holidays and when they fall in 2024 and 2025
The federal holidays are New Year's Day, Birthday of Martin Luther King Jr., Washington's Birthday (Presidents' Day), Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. The dates vary year to year because some are observed on a specific weekday rather than a fixed calendar date.
In 2024, for example, Presidents' Day falls on Monday, February 19. In 2025, it falls on Monday, February 17. Memorial Day is always the last Monday in May, so it is always a Monday. Labor Day is always the first Monday in September. Thanksgiving is always the fourth Thursday in November, which means the day after (Friday) is often observed as a holiday by banks and businesses, but Thanksgiving itself is not a Monday.
If you are checking whether a specific Monday in the coming months is a holiday, the federal holiday calendar will show you the exact date. Your bank may also observe the day after Thanksgiving or the day after Christmas if those fall on a weekday.
Why your bank might close on a Monday that is not a federal holiday
Banks sometimes close on days that are not federal holidays because they observe state holidays or because they choose to give employees time off on a different day. For example, some banks in certain states may close on a state-specific holiday that the federal government does not observe.
Additionally, if a federal holiday falls on a Saturday, your bank may close on Friday instead. If a federal holiday falls on a Sunday, your bank may close on Monday. This is called observance, and it means the bank gives you the day off on the nearest weekday rather than the actual holiday date.
How to check if your bank is open on a specific Monday
The fastest way to find out is to log into your bank's website or mobile app and look for a holiday schedule or hours section. Most banks display their holiday closures clearly in the customer service area or under "branch hours."
You can also call your bank's customer service line or visit your local branch in person to ask. If you need to make a transaction on a specific Monday, do not wait until that day — check ahead so you can plan accordingly.
Some banks also send email or text notifications about upcoming closures, so check whether you have opted into those alerts.
What happens if you try to use your bank on a holiday Monday
If your bank is closed, you will not be able to visit a branch or speak to a teller in person. However, you can usually still use ATMs, online banking, and mobile apps to check your balance, transfer money, or pay bills. These services typically run 24/7 even when branches are closed.
If you need to deposit a check or withdraw cash, you will have to wait until the bank reopens. Checks deposited through ATMs or mobile apps on a holiday may not post to your account until the next business day.
Planning ahead for Monday bank closures
If you know a Monday is a bank holiday and you need to do something in person, plan to visit your bank on Friday or the following Tuesday instead. If you need to deposit a check, use your bank's mobile app or ATM to avoid delays.
For bill payments or transfers, online banking and mobile apps work on holidays, so you can handle those from home. If you are expecting a deposit or payment to post on a holiday Monday, it will likely arrive the next business day instead.
Frequently Asked Questions
Is every Monday a bank holiday?
No. Only certain Mondays are bank holidays — for example, Presidents' Day, Memorial Day, and Labor Day. Most Mondays are regular business days. Check the federal holiday calendar or your bank's schedule to know for sure.
What if a federal holiday falls on a Sunday — does the bank close on Monday?
Usually yes. When a federal holiday falls on a Sunday, banks typically observe the holiday on Monday instead, giving employees the day off on the nearest weekday. Check your bank's specific policy to confirm.
Can I use my debit card or online banking if my bank is closed on Monday?
Yes. ATMs, online banking, and mobile apps work 24/7, even when branches are closed. You can check balances, transfer money, and pay bills. In-person services like deposits and withdrawals at the teller window are not available until the branch reopens.
Do all banks close on the same Mondays?
Most banks close on federal holidays, but some may also observe state holidays or close on different dates. Check your specific bank's holiday schedule rather than assuming all banks are closed on the same day.
Where can I find the complete list of bank holidays for this year?
The U.S. Office of Personnel Management publishes the federal holiday calendar online. Your bank's website also lists which days it will be closed. Search "federal holidays [year]" or visit your bank's customer service page.