June 19th is Juneteenth, a federal holiday when most banks close
Yes, most banks in the United States are closed on June 19th when it falls on a weekday. June 19th is Juneteenth National Independence Day, a federal holiday that has been observed by banks since 2021. When Juneteenth falls on a Saturday or Sunday, banks observe the holiday on the nearest weekday — usually the Friday before or the Monday after.
If you need to deposit checks, withdraw cash, or visit a branch in person, you will need to go on a different day. However, online banking, ATMs, and mobile apps work normally on the holiday, so you can still transfer money, check balances, and pay bills from home.
Some banks may have different holiday schedules depending on state law or internal policy, so it is worth checking with your specific bank before the day arrives.
Key Takeaways
- Most U.S. banks close on June 19th (Juneteenth) when it falls on a weekday, and branch staff will not be available.
- ATMs and online banking remain open and functional on the holiday, so you can access your money remotely.
- If Juneteenth falls on a weekend, banks typically observe the holiday on the nearest weekday instead.
- Check your bank's website or call ahead to confirm their specific holiday schedule, as some banks may have different rules.
Which banks are closed and which stay open
The major national banks — Bank of America, Chase, Wells Fargo, Citibank, and most regional and community banks — close their physical branches on Juneteenth. Credit unions typically close as well. However, the closure applies only to branch locations and customer service phone lines; online platforms and ATMs remain available.
Some smaller banks or credit unions may operate on a different schedule. A few banks in states that do not recognize Juneteenth as a paid holiday for state employees may keep branches open, though this is rare. The safest approach is to contact your bank directly or check their website for their specific Juneteenth hours.
What you can and cannot do on June 19th
You cannot visit a branch in person, speak to a teller, or reach customer service by phone at most banks on Juneteenth. If you need to deposit a physical check, withdraw large amounts of cash, or resolve an account issue that requires a person, you will need to wait until the next business day.
You can use ATMs to withdraw cash, transfer money between your own accounts, check your balance, and deposit checks at ATMs that have mobile deposit or check-scanning features. Online banking portals and mobile apps work normally, so you can pay bills, set up transfers, and monitor transactions from your phone or computer.
How to plan ahead if you need banking services
If you know you will need to visit a branch or speak to someone on or around June 19th, plan your banking for the day before. Withdraw cash, deposit checks, or handle account changes on June 18th so you are not caught short on the holiday.
If you use mobile deposit or ATM check deposit, you can deposit checks on the holiday itself — they will process normally, though the funds may not be available until the next business day depending on your bank's policy. For bill payments or transfers that are time-sensitive, use your bank's online platform or mobile app to schedule them in advance.
When the holiday falls on a weekend
When June 19th lands on a Saturday or Sunday, federal banks observe Juneteenth on the nearest weekday. If June 19th is a Saturday, most banks close on Friday, June 18th. If June 19th is a Sunday, most banks close on Monday, June 20th. Some banks may close on both days, so check your bank's holiday schedule to be certain.
State-chartered banks and credit unions may follow different rules depending on state law, so it is worth confirming with your institution rather than assuming.
How to find your bank's specific holiday hours
The fastest way to confirm whether your bank is closed is to visit their website and search for "holiday hours" or "Juneteenth hours." Most banks post their full holiday schedule online. You can also call your branch directly during business hours on a weekday before June 19th, or use your bank's mobile app — many apps display branch hours and holiday closures in the location section.
If you bank with a smaller regional bank or credit union, their website may be less detailed, so a phone call to your local branch is often the most reliable method.
Frequently Asked Questions
Can I use my debit card on June 19th if the bank is closed?
Yes. Your debit card works at ATMs and stores on the holiday. You can withdraw cash from any ATM, make purchases, and check your balance. Only branch services and customer service phone lines are unavailable.
Will my check deposit process if I use mobile deposit on June 19th?
Yes, mobile deposit works on the holiday. The check will be submitted to your bank, but the funds may not be available until the next business day or later, depending on your bank's processing timeline and the amount of the check.
What if I need to speak to someone about my account on June 19th?
You will need to wait until June 20th or the next business day. If it is an emergency, some banks have 24-hour customer service lines, but most customer service is unavailable on federal holidays. Check your bank's website for emergency contact options.
Do online banks close on Juneteenth?
Online-only banks like Ally, Charles Schwab Bank, and others do not have physical branches, so there is no closure. You can transfer money, deposit checks via mobile deposit, and access your account normally on June 19th.