How to learn about tomorrow is a bank holiday
The fastest way to know if tomorrow is a bank holiday is to check the Federal Reserve's official holiday calendar at federalreserve.gov, which lists all days when U.S. banks close. You can also call your own bank's customer service line — they will tell you in seconds whether they are open tomorrow. If you need the answer right now, search "federal holidays 2024" or "federal holidays 2025" and look for the official list from the U.S. Office of Personnel Management, which publishes the complete schedule each year.
Bank holidays are not the same as public holidays. A day can be a national holiday (like Juneteenth) but banks may still be open, or a bank may close on a day that is not a federal holiday. The only way to be certain about your specific bank is to check with them directly or look at their posted holiday schedule.
Key Takeaways
- The Federal Reserve publishes the official list of days when U.S. banks close, and you can find it on their website or by calling your bank.
- Federal holidays and bank holidays are different — a national holiday does not always mean banks close.
- Your bank's website usually has a holiday calendar you can check without calling.
- If tomorrow is a bank holiday, ATMs and online banking will still work, but branches will be closed and transfers may not process until the next business day.
The official federal bank holiday schedule
The Federal Reserve recognizes ten regular bank holidays each year: 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, and Thanksgiving Day. Christmas Day is also a bank holiday. These dates are the same every year, though the day of the week changes.
Some years Congress declares an additional holiday — for example, a day of national mourning for a former president. When this happens, the Federal Reserve announces it in advance. You can find the current year's complete list on the Federal Reserve's website under "Holiday Schedule" or by searching the Office of Personnel Management's federal holidays page.
Where to check your specific bank's schedule
Most banks post their holiday schedule on their website. Log in to your online banking account or visit your bank's main website and look for "Holiday Hours" or "Branch Closures." Some banks close on all ten federal holidays; others may have different rules. Credit unions, which are not banks, may follow a different schedule entirely.
If you cannot find the schedule online, call your bank's main customer service number. They can tell you whether they are open tomorrow and when they will process transactions you submit today. This matters if you are sending a wire transfer or check deposit — the bank may not process it until the next business day after the holiday.
What stays open on bank holidays
ATMs work on bank holidays — you can withdraw cash and check your balance anytime. Online banking also stays open; you can transfer money between your own accounts, pay bills, and deposit checks by phone or app. What closes is the physical branch and the ability to speak to a person or conduct in-person transactions.
Transactions you submit on a bank holiday (like a wire transfer or bill payment) usually do not process until the next business day. If tomorrow is a holiday and you need money to move today, use your ATM or online banking. If you need to speak to someone or handle something that requires a teller, you will have to wait until the next day the bank is open.
How bank holidays affect refunds and payments
If you are waiting for a refund or government payment to arrive by bank transfer, a bank holiday tomorrow will delay the deposit by one day. The payment may have been sent to your bank today, but it will not show in your account until the bank processes it on the next business day after the holiday. This is true for tax refunds, stimulus payments, insurance refunds, and any other electronic transfer.
If you are tracking a refund status and it says "approved" or "sent," a bank holiday does not mean something went wrong — it just means the deposit will land one day later than it would on a regular day. Check your bank's holiday schedule to know when to expect the money.
Bank holidays vs. stock market holidays
The stock market (NYSE and NASDAQ) closes on different days than banks do. For example, the market is closed on Presidents' Day, but banks are open. If you are checking whether the stock market is open tomorrow, that is a separate question from whether banks are open. The Federal Reserve's bank holiday schedule does not control the stock market's schedule.
If you trade stocks or have a brokerage account, check your brokerage's website for their holiday schedule. It will be different from your bank's schedule.
Frequently Asked Questions
Can I deposit a check on a bank holiday?
You can deposit a check through your bank's mobile app or ATM on a bank holiday, but the bank will not process it until the next business day. If you need the money to clear quickly, deposit it the day before the holiday instead.
Will my direct deposit come through on a bank holiday?
Direct deposits scheduled for a bank holiday usually arrive the next business day instead. If your paycheck or refund was supposed to land tomorrow and tomorrow is a bank holiday, check your account the day after. If it does not appear, contact your employer or the agency sending the payment.
Do all banks close on the same holidays?
Most banks close on the ten federal bank holidays, but some banks may have different rules or close on additional days. Check your specific bank's website or call them to be sure. Credit unions and online-only banks may follow different schedules.
What if I need cash and the bank is closed tomorrow?
Use an ATM — they work on bank holidays. If you do not have an ATM card or your bank's ATM is not nearby, find an ATM from another bank. Most ATMs charge a fee for out-of-network use, but you will have access to your cash.
How do I know if my bank is open on a specific date?
Visit your bank's website and look for their holiday schedule, or call their customer service number. You can also ask at your local branch — they usually post holiday hours on the door or window.