The fastest way to know if tomorrow is a bank holiday
The U.S. Federal Reserve publishes the official list of bank holidays each year on its website. Go to federalreserve.gov, search for "bank holidays," and you will see the exact dates when banks close. Tomorrow's status is there — no guessing needed.
If you need the answer right now without leaving this page: the federal bank holidays in 2024 are New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. If tomorrow matches one of those dates, banks will be closed.
Keep in mind that some banks also observe additional holidays beyond the federal list, and some states recognize holidays that federal banks do not. Your specific bank may have its own closure schedule, so calling ahead is the safest move if you need to do banking tomorrow.
Key Takeaways
- The Federal Reserve's official website lists all federal bank holidays for the year, and you can check it in under a minute.
- The 11 federal bank holidays are fixed dates or specific days of the week (like the third Monday in February for Presidents' Day).
- Individual banks sometimes close on additional holidays beyond the federal list, so your bank's schedule may differ from the federal one.
- If you need to do banking tomorrow and are unsure, call your bank directly — they will tell you their exact hours.
The 11 federal bank holidays and when they fall
Federal banks close on these 11 days each year. Some fall on the same date every year; others move to a specific day of the week:
| Holiday | Date or Rule |
|---|---|
| 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 |
| Christmas | December 25 |
When a holiday falls on a Saturday, many banks close on Friday instead. When it falls on a Sunday, they close on Monday. This is called "observance," and the Federal Reserve publishes the observed dates each year so you know exactly which day the bank will be shut.
Why your bank might be closed even if it is not a federal holiday
Some banks observe state holidays or regional holidays that the federal government does not recognize. For example, some banks in the South close on Confederate Memorial Day, and some in the Northeast close on Evacuation Day. These vary by state and by bank.
Additionally, individual banks sometimes close for internal reasons — staff training, system maintenance, or local events — that have nothing to do with holidays. If you see a bank closed on a day that is not on the federal list, call the bank to find out why.
The safest approach is to check your specific bank's website or call their customer service line. Most banks post their holiday schedule on their homepage or in their mobile app, and you can see the exact dates they will be closed.
What happens if you need to do banking on a holiday
If tomorrow is a bank holiday and you need to deposit a check or withdraw cash, you have options. Most banks offer ATMs that work 24/7, even on holidays — you can deposit checks and withdraw money without visiting a teller.
Online banking also works on holidays. You can transfer money between accounts, pay bills, and check your balance anytime, even if the physical branch is closed. Transfers between your own accounts are usually instant; transfers to other banks may take one to three business days.
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 phone support on holidays, but not all — check your bank's website to see if holiday customer service is available.
How to find your bank's specific holiday schedule
Go to your bank's website and look for "hours" or "holiday schedule." Most banks list their closures for the entire year. If you cannot find it online, call the branch directly or visit in person and ask for a printed schedule.
If you bank with a large national chain like Bank of America, Chase, Wells Fargo, or Citibank, you can also check their mobile app — many show branch hours and holiday closures right there.
For credit unions, the process is the same: check their website or call. Credit unions follow federal holidays, but some also observe additional holidays, so do not assume your credit union's schedule matches the federal list.
Frequently Asked Questions
Do all banks close on the same holidays?
All federally chartered banks close on the 11 federal holidays. However, some banks also close on state or regional holidays, so your specific bank may have a longer list. Check your bank's website to be sure.
What if a holiday falls on a weekend?
When a federal holiday lands on Saturday, banks typically close on Friday. When it lands on Sunday, they close on Monday. The Federal Reserve publishes the observed dates each year so you know which day your bank will actually be closed.
Can I use my debit card or ATM on a bank holiday?
Yes. ATMs work 24/7 on holidays, and you can use your debit card at merchants and other banks' ATMs. Online banking also works on holidays — you can transfer money and pay bills anytime.
Will my check deposit clear on a bank holiday?
If you deposit a check at an ATM on a holiday, it will be processed the next business day. Checks deposited on a Friday before a Monday holiday will not clear until Tuesday or Wednesday, depending on your bank.
How do I know if my bank observes state holidays?
Call your bank or check their website for their full holiday schedule. They will list both federal holidays and any state or regional holidays they observe. This is the only way to know for certain.