How to find out whether today is a bank holiday
The fastest way is to check your bank's website or call their customer service line — they will tell you immediately whether they are open. Most banks post holiday schedules on their homepage under "Hours" or "Locations", and you can also text or call the branch nearest you.
If you need to know the federal holidays for the whole year, the U.S. Office of Personnel Management publishes the official list. The nine federal bank holidays in 2024 are New Year's Day, Birthday of Martin Luther King Jr., Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. Some banks also observe additional holidays depending on their state or region.
Keep in mind that a federal holiday does not automatically mean your bank is closed. Some banks stay open on certain holidays, and hours vary by branch. A few banks open for limited hours on holidays like the day after Thanksgiving. The only way to be certain is to check directly with your bank rather than assuming based on the calendar.
Key Takeaways
- Call your bank or check their website to confirm whether they are open today — federal holidays do not automatically close all banks.
- The nine federal bank holidays each year are published by the U.S. Office of Personnel Management and include New Year's Day, Independence Day, Thanksgiving, and Christmas.
- Some banks stay open on federal holidays or keep limited hours, so you cannot assume closure based on the holiday alone.
- Individual bank branches may have different hours than the main branch, so confirm with the location you plan to visit.
Where to find your bank's holiday schedule
Most banks publish their holiday hours on the main website under a link labeled "Hours", "Locations", or "Holiday Hours". You can search for your specific branch by ZIP code or address, and the page will show whether it is open today and what time it closes.
If you cannot find the information online, call the branch directly or use your bank's mobile app — many apps show branch hours and holiday status in real time. You can also visit the branch in person to see if it is open, though this wastes time if it is closed.
The federal bank holidays and when they fall
The U.S. federal government recognizes nine holidays when most federal offices close. Banks are not required to close on these days, but many do:
| Holiday | Date in 2024 |
|---|---|
| New Year's Day | January 1 |
| Birthday of Martin Luther King Jr. | Third Monday in January (January 15) |
| Presidents' Day | Third Monday in February (February 19) |
| Memorial Day | Last Monday in May (May 27) |
| Juneteenth | June 19 |
| Independence Day | July 4 |
| Labor Day | First Monday in September (September 2) |
| Columbus Day | Second Monday in October (October 14) |
| Veterans Day | November 11 |
| Thanksgiving Day | Fourth Thursday in November (November 28) |
| Christmas Day | December 25 |
Some states and regions observe additional holidays that are not federal. For example, some banks in the South close on Confederate Memorial Day, and banks in certain areas may close on state-specific holidays. Your bank's website or a phone call will clarify which holidays affect your branch.
Why banks may stay open on federal holidays
Banks are private businesses and are not legally required to close on federal holidays. Some large national banks stay open on certain holidays to serve customers who need access to their accounts. Others close completely or operate with reduced hours and staff.
Credit unions often follow different schedules than banks. Some credit unions close on all federal holidays, while others stay open. Online banks typically do not have physical branches, so they do not have holiday closures in the traditional sense — you can access your account any time, though customer service phone lines may be closed.
What to do if you need banking services on a holiday
If you need to deposit a check or withdraw cash on a holiday, try an ATM — most banks keep ATMs running even when branches are closed. You can deposit checks through mobile banking apps on many banks, and transfers between accounts usually process even on holidays (though they may not post until the next business day).
If you need to speak to a person, call your bank's customer service line. Many banks staff their phone lines on holidays even if branches are closed. Online banks often have customer service available seven days a week.
How to plan ahead for bank holidays
If you know you will need banking services on a specific date, check the federal holiday calendar at the start of the year and mark your calendar. Then confirm with your bank whether they close on that holiday. This gives you time to plan ahead — for example, depositing a check the day before if you know the branch will be closed.
If you regularly need banking services on holidays, consider switching to an online bank or credit union with extended hours, or set up automatic transfers and bill payments so you do not have to visit a branch.
Frequently Asked Questions
Do all banks close on federal holidays?
No. Federal holidays do not require banks to close. Some banks stay open on certain holidays, and hours vary by branch and bank. You must check with your specific bank to know whether they are open today.
Can I use an ATM on a bank holiday?
Yes. Most banks keep ATMs running even when branches are closed on holidays. You can withdraw cash and deposit checks through ATMs on federal holidays, though deposits may not post to your account until the next business day.
What if I need to deposit a check on a holiday?
Use an ATM if your bank has one, or deposit through your mobile banking app if your bank offers mobile check deposit. Both methods work on holidays, though the check may not clear until the next business day.
Are online banks closed on federal holidays?
Online banks do not have physical branches, so they do not close on holidays. You can access your account and move money any time. However, customer service phone lines may have reduced hours or be closed on some holidays.
How do I know which holidays my bank observes?
Check your bank's website for their holiday schedule, or call the branch directly. Most banks post their holiday hours online, and you can also ask when you visit in person.