November 28 is not a federal bank holiday

November 28, 2024 is a Thursday with no federal holiday status. Banks operate on their normal schedule. If you need to deposit checks, withdraw cash, or handle other banking tasks, your bank will be open during regular business hours.

The closest federal holidays to this date are Thanksgiving (November 28, 2024 falls the day after Thanksgiving in 2024) and Christmas in December. If you are planning financial transactions around the holiday season, knowing which days banks actually close matters for timing.

Key Takeaways

  • November 28 is not a federal bank holiday, so banks operate normally on that date.
  • Thanksgiving falls on November 28 in 2024, which means banks will be closed on that day itself, but open on November 29.
  • The federal holidays that do close banks are New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
  • Some banks may have different hours or closures based on state or local holidays, so checking your specific bank's schedule is the safest approach.

When banks close for federal holidays

The Federal Reserve and most U.S. banks close on 11 federal holidays each year. These are: New Year's Day (January 1), MLK Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

When a federal holiday falls on a weekend, the Federal Reserve typically observes the holiday on the nearest weekday. For example, if Christmas falls on a Saturday, banks close on Friday instead. This affects wire transfers, check clearing, and ACH transactions — they may take longer if you initiate them on or around a holiday.

What happens to your transactions on non-holiday dates

On November 28, 2024, which is not a federal holiday, your bank processes transactions normally. Deposits made before the cutoff time (usually 2 or 3 p.m., depending on your bank) post the same business day. Wire transfers sent on a non-holiday weekday typically arrive within one business day. ACH transfers take one to three business days.

If November 28 falls on a weekend in other years, your bank will be closed, and transactions will process the next business day. Always check your bank's specific cutoff times, because they vary by institution and by transaction type.

State and local holidays that may affect banking

Some states observe holidays that are not federal holidays. For example, some states recognize Robert E. Lee's birthday, Cesar Chavez Day, or other state-specific observances. If your bank is located in a state that observes a holiday on November 28, that bank may close even though it is not a federal holiday.

The safest approach is to contact your bank directly or check their website for their specific holiday schedule. Many banks post their closure dates online, and you can call their customer service line to confirm hours for any date you are uncertain about.

Planning around Thanksgiving week

Thanksgiving week creates confusion because the holiday itself (the fourth Thursday in November) does close banks, but the days before and after do not. In 2024, Thanksgiving is November 28, so banks close that day but reopen November 29 (Friday). The following Monday, December 2, is a regular business day.

If you need to move money or deposit checks before the holiday, do so by Wednesday, November 27. If you are waiting for a deposit or transfer to clear, remember that anything initiated on Thanksgiving itself will not process until Friday at the earliest. Plan accordingly if you need funds by a specific date.

How to check your bank's specific schedule

Your bank's website usually lists all closure dates for the year. Look for a "Holiday Hours" or "Branch Closures" page. You can also call your bank's main customer service number or visit a branch in person to ask about November 28 and any other dates you are unsure about.

If you bank with a large national institution like Bank of America, Chase, Wells Fargo, or Citibank, they follow the federal holiday schedule. Smaller regional banks and credit unions may have different policies, so verification is worth the five minutes it takes.

Frequently Asked Questions

Will my direct deposit hit my account on November 28, 2024?

No. November 28, 2024 is Thanksgiving, a federal holiday when banks close. Direct deposits scheduled for that date will post on Friday, November 29 instead. If your paycheck normally arrives on a Thursday and that Thursday is Thanksgiving, it arrives the next business day.

Can I use the ATM on a bank holiday?

Yes. ATMs operate 24/7, even on federal holidays. You can withdraw cash, deposit checks (if your ATM has that feature), and check your balance anytime. However, deposits made at an ATM on a holiday may not post until the next business day.

What if I need to wire money on Thanksgiving?

You cannot initiate a wire transfer on Thanksgiving because banks are closed. If you need to send money urgently, do it before the holiday. If you miss the deadline, your wire will process on the next business day, which may delay the recipient's access to the funds.

Do online banks close on federal holidays?

Online banks do not have physical branches, so they do not "close" in the traditional sense. However, they still follow federal holiday schedules for processing transactions. Deposits and transfers initiated on a federal holiday will not process until the next business day.

Is Veterans Day (November 11) a bank holiday?

Yes. Veterans Day, November 11, is a federal holiday and banks close. If November 11 falls on a weekend, the Federal Reserve observes the holiday on the nearest weekday. Plan any banking needs for November 8 or 12 depending on what day of the week November 11 falls on.