Most U.S. banks close on Good Friday

Good Friday is a federal holiday, so most major banks — including Bank of America, Wells Fargo, Chase, and Citibank — close their physical branches for the day. ATMs and online banking stay open, but you cannot walk in, speak to a teller, or use drive-through services.

Some smaller regional banks and credit unions follow the same schedule, but not all. A few stay open on Good Friday or close only part of the day. The safest approach is to call your specific branch the day before or check your bank's website for its holiday hours.

If you need cash or to deposit a check, plan ahead. Withdraw what you need on Thursday, or use an ATM on Good Friday itself — your card will work even though the branch is closed.

Key Takeaways

  • Major national banks close their branches on Good Friday because it is a federal holiday, but ATMs remain available 24/7.
  • Online banking and mobile apps work normally on Good Friday, so you can transfer money, pay bills, or check balances from home.
  • Credit unions and smaller regional banks may have different hours, so contact your bank directly rather than assuming it follows the federal holiday schedule.
  • If you need to deposit a check or handle business that requires a teller, do it on Thursday or wait until Saturday morning.

ATM access stays the same on Good Friday

Even though the branch is closed, your debit card works at any ATM in your bank's network. You can withdraw cash, check your balance, and deposit checks at ATMs that have a deposit slot — many modern machines do.

If your bank is part of a shared ATM network (like Allpoint or MoneyPass), you may also be able to use ATMs from other banks without a fee. Check your bank's website to see which networks it belongs to.

Online and mobile banking works all day

Your bank's website and app do not close on Good Friday. You can log in, transfer money between accounts, pay bills, send wire transfers, and deposit checks by phone or mobile app without any interruption.

If you need to move money or pay a bill on Good Friday, this is the fastest route. Mobile check deposit (taking a photo of the front and back of a check) works the same way it does any other day.

Credit unions may have different hours

Credit unions are not required to follow federal holidays the way banks are. Some close on Good Friday, some stay open, and some close only in the afternoon. Call your credit union on Thursday to confirm whether it will be open.

If your credit union is part of a shared branching network, you may be able to visit another credit union's branch on Good Friday even if yours is closed. Ask your branch whether this option is available to you.

What to do if you need cash or to make a deposit

If you know you will need cash on Good Friday, withdraw it on Thursday. Most ATMs let you take out several hundred dollars at once, which covers most immediate needs.

For check deposits, use your mobile app if your bank offers mobile check deposit — you can do this from home and the check will post by the next business day. If your bank does not offer this, deposit the check on Thursday or Saturday morning instead.

Wire transfers and bill payments can wait until Friday if you use online banking, since those services run 24/7. If you need the money to arrive the same day, send it on Thursday.

Saturday and Monday hours after Good Friday

Most banks open on Saturday morning, usually between 8 a.m. and 1 p.m., though hours vary by location. If you miss Friday, Saturday is a good backup day to handle in-person banking.

Monday is Easter Monday for some observances, but it is not a federal holiday in the United States, so all banks open on normal Monday hours. If you are waiting until after the weekend, Monday is a full business day.

Frequently Asked Questions

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

Yes. Your debit card works at any store, restaurant, or gas station on Good Friday regardless of whether your bank's branch is open. The bank's computer systems run 24/7 even when branches are closed.

Will a check I deposit on Good Friday clear by Monday?

If you deposit by ATM or mobile app on Good Friday, the check will likely post to your account by Monday or Tuesday, depending on your bank's processing schedule. Deposits made on Friday are usually treated as Monday deposits since the bank is closed.

Do online banks close on Good Friday?

No. Online-only banks like Ally, Charles Schwab, and others have no physical branches, so they do not close on holidays. You can transfer money, pay bills, and withdraw from ATMs normally on Good Friday.

What if I need to wire money on Good Friday?

You can send a wire through online banking or your mobile app on Good Friday, and it will process. However, the receiving bank may not receive it until Monday if they are also closed on Good Friday.

Are bank holidays the same everywhere in the United States?

Federal holidays like Good Friday are the same across the country for national banks. Some states observe additional holidays that others do not, but Good Friday closures are consistent at major banks nationwide.