Yes, most U.S. banks will be closed on Good Friday, April 10, 2026

Good Friday is a federal holiday, and the Federal Reserve observes it as a banking holiday. This means most banks — including national banks, regional banks, and credit unions — will be closed on that day and will not process transactions. If you need to deposit a check, withdraw cash, or visit a branch in person, you will need to do it on Thursday, April 9, or Monday, April 13.

However, not every financial institution closes on Good Friday. Some credit unions and smaller banks may stay open, and online banking services will continue to work. The safest approach is to contact your specific bank or credit union directly to confirm their hours for that day.

Key Takeaways

  • Most U.S. banks close on Good Friday, April 10, 2026, because it is a federal banking holiday recognized by the Federal Reserve.
  • Online banking, ATMs, and mobile apps will continue to work even when branches are closed.
  • Some credit unions and regional banks may have different holiday schedules, so you should check with your institution directly.
  • Plan deposits, withdrawals, and in-person transactions for Thursday, April 9, or the following Monday, April 13.

Which banks close and which stay open

The Federal Reserve publishes an official list of banking holidays each year. Good Friday is one of them, which means national banks and most regional banks will close their physical branches. However, the rule is not universal — some smaller institutions, particularly credit unions, set their own holiday schedules and may remain open.

The best way to know for certain is to check your bank's website or call the branch directly. Most banks post their holiday hours online, and many send email or text alerts to customers about closures. If you bank with a major chain like Bank of America, Wells Fargo, Chase, or Citibank, you can assume the branches will be closed, but verify through their website or app to be sure.

What still works when branches are closed

Even though physical branches close on Good Friday, you can still access your money through other channels. ATMs operate 24/7 and will let you withdraw cash or check your balance. Online banking portals and mobile apps continue to function, so you can transfer money between accounts, pay bills, or check transactions from your phone or computer.

Debit cards work normally at stores and other ATMs. However, any transactions you initiate online or through an app on Good Friday may not process until the following business day — usually Monday, April 13. If you need to deposit a check, mobile deposit through your bank's app will accept it on Good Friday, but the funds may not clear until Monday or Tuesday.

When deposits and transfers actually process

Timing matters if you are counting on money arriving by a certain date. Deposits made on Good Friday — whether through an ATM, mobile app, or in-person at a branch on Thursday — will not be processed until Monday, April 13. This means if you deposit a check on Thursday evening, it may not clear until Tuesday or Wednesday.

Wire transfers and ACH transfers initiated on Good Friday will also wait until Monday to process. If you have a bill due on Friday or over the weekend, pay it by Wednesday, April 8, to be safe. The same applies to any payment that depends on funds clearing — do not assume Friday processing will happen.

Planning ahead for the long weekend

Good Friday falls on April 10, 2026, and the following Monday, April 13, is not a federal holiday, so banks reopen normally. However, Easter Sunday is April 12, so many people treat the entire weekend as a holiday period. If you need cash or plan to make deposits, do it on Thursday, April 9.

If you use a bank that closes on Good Friday but you need access to funds over the weekend, withdraw cash on Thursday or use an ATM. If you are expecting a deposit or transfer, assume it will not arrive until Monday or later. For payroll deposits, most employers process them on schedule even though banks are closed, but the money will sit in a holding status until Monday morning when the bank processes it.

What to do if you need banking services on Good Friday

If your bank is closed and you need to conduct banking business, your options are limited but real. Online banking and ATMs work around the clock. Some credit unions and online-only banks may not observe Good Friday as a holiday — check your institution's website to see if they are open.

If you need cash and do not have an ATM card, ask a friend or family member to withdraw money for you, or visit a store that offers cash back with a debit card purchase. For urgent wire transfers or other time-sensitive transactions, contact your bank's customer service line — they may be able to help even if branches are closed, though processing will still wait until Monday.

Frequently Asked Questions

Will my paycheck deposit on Good Friday if my employer pays me that day?

Your employer will likely send the deposit on schedule, but your bank will not process it until Monday, April 13. The money will show as pending in your account on Friday but will not be available to spend until Monday morning. Check with your employer's payroll department if you are unsure of the exact deposit date.

Can I use my debit card on Good Friday if the bank is closed?

Yes. Debit cards work at stores, gas stations, and ATMs regardless of whether your bank's branch is open. You can spend money and withdraw cash normally. The only limitation is that deposits and certain transfers will not process until Monday.

Do online banks close on Good Friday?

Online-only banks like Ally, Charles Schwab, and others do not have physical branches, so there is nothing to close. However, they still observe the Federal Reserve's banking holiday, which means ACH transfers and wire transfers initiated on Good Friday will not process until Monday. ATM withdrawals and debit card use work normally.

What if I need to deposit a check on Good Friday?

Use mobile deposit through your bank's app if available — it will accept the check on Friday. The funds will not clear until Monday or later. If your bank does not offer mobile deposit, wait until Monday to deposit in person or at an ATM.

Are credit unions closed on Good Friday?

Most credit unions close on Good Friday, but not all. Some observe different holiday schedules. Contact your credit union directly to confirm their hours for April 10, 2026. Many credit unions post holiday schedules on their websites or in their mobile apps.