How to learn about Monday is a holiday

The fastest way is to check the U.S. Federal Reserve's official holiday calendar or your bank's website directly. Most banks post their holiday schedules online, and the Federal Reserve publishes a list each year of days when banks will be closed. If your bank's website doesn't make it obvious, call the customer service number on the back of your card or look for a "Holiday Hours" link on their homepage.

You can also search "federal holidays 2024" or "federal holidays 2025" (depending on the current year) and cross-reference the date. The Office of Personnel Management maintains the authoritative list of federal holidays observed by the U.S. government, though not all federal holidays close all banks — that depends on your specific bank's policy.

If Monday is a federal holiday, your bank will likely be closed, but this is not may provide. Some banks stay open on certain federal holidays, and some observe holidays on different days if the actual holiday falls on a weekend. The only reliable answer is to check your own bank's schedule.

Key Takeaways

  • Your bank's website or customer service line will tell you whether they are closed on Monday.
  • Federal holidays and bank holidays are not always the same — a federal holiday does not automatically close all banks.
  • If a federal holiday falls on a weekend, banks may observe it on Friday or Monday instead.
  • The Federal Reserve and the Office of Personnel Management publish official holiday calendars you can check against any Monday's date.

Federal holidays versus bank holidays

A federal holiday is a day the U.S. government recognizes and most federal offices close. A bank holiday is a day a specific bank chooses to close. These are not always the same thing. Some banks close on all federal holidays; others close on only a few. Some banks close on holidays that are not federal holidays at all.

For example, Christmas (December 25) is a federal holiday, and nearly every bank closes. But Presidents' Day (the third Monday in February) is a federal holiday, and most banks close, though not all. Your bank might also close on a day like Juneteenth that became a federal holiday more recently, or it might stay open.

The only way to know what your bank does is to check their specific holiday schedule. Do not assume your bank follows the federal calendar.

Where to find your bank's holiday schedule

Start with your bank's website. Look for a link labeled "Holiday Hours," "Closures," "Holiday Schedule," or "Hours of Operation." Most banks list the full year's closures in one place. If you cannot find it on the main page, try the footer or a "Contact Us" section.

If the website does not have the information, call your bank's customer service number. This is the fastest way to get a yes-or-no answer for Monday specifically. Have your account number or card number ready, though you may not need it for a simple question about whether they are open.

You can also visit a branch in person and ask, or check your most recent bank statement — some banks print their holiday schedule on statements or include it in account materials.

What happens if you need to do banking on a holiday

If Monday is a bank holiday and you need to move money, deposit a check, or handle an urgent transaction, you have a few options. Most banks let you use ATMs and online banking (transfers, bill pay, mobile deposits) even when branches are closed. These services usually run 24/7 regardless of holidays.

If you need to speak to someone or handle something that requires a teller, you will have to wait until the next business day. Some banks offer customer service by phone or chat on holidays, though response times may be slower. Check your bank's website for holiday customer service hours.

If you use a credit union instead of a bank, check their holiday schedule separately — credit unions set their own closures and do not always follow the federal calendar.

Federal holidays that commonly close banks

These holidays close most U.S. banks every year: New Year's Day (January 1), Martin Luther King 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 holiday falls on a weekend, banks typically observe it on the nearest weekday — usually Friday if the holiday is on Saturday, or Monday if it is on Sunday. This is why you might see a bank closed on a Monday that does not match the actual holiday date.

Checking the Federal Reserve's official calendar

The Federal Reserve publishes an official holiday calendar each year at federalreserve.gov. This calendar shows which days the Federal Reserve itself is closed, which affects wire transfers and other banking operations that run through the Fed. Most commercial banks follow this calendar, but not all.

The Office of Personnel Management also maintains a list of federal holidays at opm.gov. This is the authoritative source for which days the federal government observes, though again, your bank may not observe all of them.

Neither of these calendars tells you definitively whether your specific bank is open or closed on Monday. They are reference points, not answers. Your bank's own schedule is the only one that matters for your account.

Frequently Asked Questions

Can I use my ATM or mobile app if the bank is closed on Monday?

Yes. ATMs and online banking (including mobile apps) typically work 24/7, even on bank holidays. You can withdraw cash, check balances, transfer money between your own accounts, and deposit checks by phone or app. You just cannot visit a branch or speak to a teller.

If Monday is a holiday, when will a check I deposit clear?

Checks deposited on a bank holiday usually do not start clearing until the next business day. If you deposit a check on Monday and Monday is a holiday, it will likely be processed as if you deposited it on Tuesday. Ask your bank about their specific deposit timeline.

Do all banks close on the same holidays?

No. While most banks close on major federal holidays like Christmas and Independence Day, smaller banks, credit unions, and online banks may have different schedules. Some stay open on holidays that others close for. Always check your specific bank's calendar.

What if I need to pay a bill on a bank holiday?

You can set up bill payments online or through your mobile app even if the bank is closed. The payment will process on the next business day. If the bill is due on Monday and Monday is a holiday, the payment may not reach the creditor until Tuesday, so plan ahead if the due date is tight.

How do I know if my bank observes a holiday on a different day?

Check your bank's holiday schedule directly. When a federal holiday falls on a weekend, banks decide whether to observe it on Friday or Monday. Your bank's website or a call to customer service will tell you which day they close.