Banks close on federal holidays, Sundays, and Saturdays at most branches

Most banks in the United States close on Sundays and Saturdays. They also close on 11 federal holidays each year: 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 banks close on additional state holidays depending on where they operate.

If tomorrow is a Sunday, Saturday, or one of those federal holidays, your bank branch will be closed. However, you can still access your money through ATMs, online banking, and mobile apps — these work 24 hours a day, 7 days a week. Some banks also offer limited Saturday hours at certain locations, so calling your specific branch is the fastest way to confirm.

The Federal Reserve sets these closure dates, and all banks follow the same federal holiday schedule. State-chartered banks may add their own closures on top of federal holidays, so a bank in one state might be open when a bank in another state is closed.

Key Takeaways

  • Banks close on all 11 federal holidays plus Sundays and Saturdays, though some branches have limited Saturday hours.
  • ATMs, online banking, and mobile apps work around the clock even when branches are closed.
  • A few banks offer Sunday hours or extended Saturday hours at select locations — call your branch to check.
  • If you need cash or services before a holiday closure, plan ahead because branch closures can last two or three days over holiday weekends.

How to learn about your specific bank is open tomorrow

The fastest way is to call your bank's customer service line or your local branch directly. Most banks list their hours on their website and mobile app, and you can search by location. If you use a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, you can look up your nearest branch and its hours in seconds through their website.

If you bank at a credit union, call the main office or check their website — credit unions sometimes have different holiday schedules than banks. Some credit unions stay open on days when banks close, and others close earlier.

Google Maps also shows bank hours. Search your bank's name and your city, and the hours appear on the right side of the screen. This includes whether the branch is open today and tomorrow.

What you can do when the bank is closed

ATMs work 24 hours a day, even on holidays and Sundays. You can withdraw cash, deposit checks (at ATMs with deposit slots), transfer money between accounts, and check your balance. Some ATMs charge a fee if you use a machine from a different bank, so using your bank's ATM is usually free.

Online banking and mobile apps let you pay bills, transfer money, deposit checks by taking a photo, and manage your account without visiting a branch. These services work on weekends and holidays. If you need to send money to someone else, you can use your bank's online transfer system, Venmo, PayPal, or other money transfer apps.

If you need to speak to someone, most banks offer phone support on weekends and holidays, though wait times are often longer. Some banks also offer chat support through their website or app.

Banks that stay open on weekends

A small number of banks and credit unions open on Saturdays, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Chase, Bank of America, and Wells Fargo have Saturday hours at some branches, but not all. Call your branch or check online to see if yours is one of them.

Online banks like Ally, Charles Schwab, and Discover have no physical branches, so there is no "closed" day — you handle everything through their app or website. If you need to deposit a check, you photograph it in the app. If you need cash, you withdraw from any ATM.

Some banks partner with other banks' ATM networks, so you can use a different bank's ATM without a fee. Ask your bank whether they belong to a shared ATM network like Allpoint or MoneyPass.

Planning ahead for holiday weekends

Holiday weekends can mean three or four days without branch access. If you know you will need cash or need to handle something in person, go to the branch the day before the holiday. Withdraw extra cash if you think you will need it, and handle any paperwork or account changes before the closure.

If you have a check to deposit, use your mobile app to photograph it instead of waiting for the branch to open. Mobile check deposit usually clears within one or two business days.

If you need to wire money or send a large transfer, do it before the holiday. Some wire services process slower during holidays, and you do not want to be caught waiting if the receiving bank is also closed.

What happens if you need the bank and it is closed

If you have an urgent problem — a fraudulent charge, a locked account, or a payment that needs to stop — call your bank's customer service line. Most banks staff their phone lines on weekends and holidays, even if branches are closed. You may wait longer than usual, but someone will answer.

If your debit card is lost or stolen, call the number on the back of your card or your bank's fraud line. They can freeze your card immediately, even on a Sunday or holiday. If you need a replacement card, they can order it to be mailed or arrange to pick one up at a branch the next business day.

For non-urgent issues, send a message through your bank's app or website. Most banks respond to messages within one business day, even if you send them on a weekend.

Frequently Asked Questions

Can I deposit a check on Sunday?

Not at a branch, but you can deposit it through your mobile app by photographing the front and back of the check. The deposit usually clears within one or two business days. ATMs with deposit slots also accept checks 24 hours a day, though some banks process these deposits more slowly than mobile deposits.

Do banks close on Veterans Day?

Yes, all banks close on Veterans Day (November 11). The Federal Reserve lists it as an official holiday, so all federally regulated banks must close. Some state-chartered banks may have different rules, so call your branch if you are unsure.

What if I need cash and the ATM is out of money?

ATMs sometimes run out of cash on busy weekends or holidays. If the ATM is empty, try a different ATM from your bank or a partner bank. If no ATMs near you have cash, you will need to wait until the branch opens. Some banks let you order cash in advance through their app for pickup at a branch.

Can I transfer money on a holiday?

You can initiate a transfer through your online banking or app on a holiday, but it will not process until the next business day. Transfers between accounts at the same bank usually go through overnight. Transfers to other banks take one to three business days.

Do credit unions have the same holiday schedule as banks?

Most credit unions close on the same federal holidays as banks, but some stay open on days when banks close. Call your credit union to ask about their specific holiday schedule, or check their website.