Most banks are closed on Monday only if Monday is a federal holiday
Regular bank branches follow the same schedule every week: closed Saturday and Sunday, open Monday through Friday. If your bank is closed on a Monday that isn't a holiday, it's either a local observance your state recognizes, a holiday your bank observes that the federal government doesn't, or the specific branch you're trying to reach has its own schedule.
The federal holidays when all banks close are: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some states add their own holidays—for example, some Southern states observe Confederate Memorial Day, and some observe Cesar Chavez Day. Your bank's website or a quick phone call will tell you whether it's observing a holiday you didn't expect.
If Monday is not a holiday and your bank says it's closed, the branch may have reduced hours, be undergoing maintenance, or have closed permanently. Call the branch directly or check your bank's app or website to confirm before making a trip.
Key Takeaways
- Banks close on Mondays only when Monday is a federal holiday or a state holiday your bank recognizes.
- The federal holidays when banks close are New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
- Some states observe additional holidays that banks may close for, so check your bank's holiday calendar on its website.
- If a Monday is not a holiday and your bank is closed, call the branch or check the app to find out why—it may be temporary maintenance or a branch closure.
How to check your bank's Monday hours before you go
The fastest way is to open your bank's mobile app and look for branch hours or a branch locator. Most apps show today's and tomorrow's hours at the top, and let you search by location. If your bank doesn't have an app or you prefer the website, go to the bank's main site, find "Locations" or "Branch Finder," and enter your zip code or the branch address.
If the app or website doesn't load or you need to be certain, call the branch directly. The number is usually on your debit card, in your account statements, or on the bank's website. A staff member can tell you immediately whether the branch is open Monday and what time it opens.
Google Maps also shows bank hours. Search for your bank name and branch location, and the hours appear on the right side of the screen. Google updates these from bank websites, so they're usually current, but calling is still the safest bet if the stakes are high.
What to do if you need banking services on a closed Monday
Most banking tasks can be done online or through your bank's mobile app without visiting a branch: transferring money, paying bills, depositing checks (through mobile deposit), checking your balance, and freezing your card. If you need cash, use an ATM—they work 24/7 even when branches are closed, and you can withdraw from any ATM in your bank's network without a fee.
If you need to speak to someone, many banks offer phone support on holidays. Call the number on the back of your debit card or on your bank's website and select the option for customer service. Wait times are often longer on holidays, so be prepared to hold.
If the issue is urgent and your bank is closed, consider visiting a different branch in your network if one is open nearby, or going to an ATM to handle what you can. For problems that truly require a person—a fraud dispute, a frozen account, a large cash withdrawal—you may have to wait until Tuesday unless your bank offers holiday phone support.
Federal holidays when banks close
| Holiday | Typical Date |
|---|---|
| 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 |
| Christmas | December 25 |
When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Independence Day falls on a Saturday, banks close on Friday. If it falls on a Sunday, they close on Monday. Check your bank's holiday calendar to confirm the exact closure dates for your location.
State and regional holidays that may close banks
Beyond federal holidays, some states observe their own holidays that banks may close for. These vary widely by region. For example, some Southern states observe Confederate Memorial Day in April or May, some Western states observe Cesar Chavez Day on March 31, and some states in the Northeast observe Evacuation Day or Patriot's Day. Hawaii observes Prince Kuhio Day and King Kamehameha Day. Alaska observes Seward's Day.
Your bank's website will list all the days it closes, including state holidays. Look for a link called "Holiday Hours," "Bank Holidays," or "Closures" on the main page or in the footer. If you don't see one, call the branch and ask whether it observes any state holidays beyond the federal list.
Frequently Asked Questions
Do all banks close on the same holidays?
All banks close on federal holidays, but some banks may close on additional state or regional holidays depending on where they operate. Check your specific bank's holiday calendar to be sure. Credit unions and online banks may have different schedules, so verify before assuming.
Can I use my bank's ATM on a holiday when the branch is closed?
Yes. ATMs work 24/7 even when branches are closed. You can withdraw cash, check your balance, and transfer money between your own accounts at any ATM in your bank's network without paying a fee, regardless of whether the branch is open.
What if I need to deposit a check on a Monday when the bank is closed?
Use mobile deposit through your bank's app if you have it—you can photograph the check and deposit it without visiting a branch. If your bank doesn't offer mobile deposit, deposit the check at an ATM if your bank has that feature, or wait until the branch reopens. Checks deposited after hours are usually processed the next business day anyway.
Do online banks close on holidays?
Online banks don't have physical branches, so they don't close in the traditional sense. However, their customer service phone lines may have reduced hours or be closed on federal holidays. You can still access your account online and use ATMs to withdraw cash, but you may not reach a person until the next business day.
How do I know if my bank observes a holiday I've never heard of?
Check your bank's website for a complete holiday calendar, or call your branch and ask for a list of all days it closes. Many banks post this information in the footer of their website or in the mobile app under "Hours" or "Holiday Schedule."