Most U.S. banks will be closed on Good Friday, April 18, 2025
Good Friday is a federal holiday, and the vast majority of banks treat it the same way they treat Thanksgiving or Christmas — they close for the day. If you need to deposit a check, withdraw cash, or speak to someone at a branch, you will not be able to do so on April 18, 2025.
The Federal Reserve does not process payments on Good Friday, which means wire transfers, ACH transfers, and check clearing all stop. Some banks may process transactions you submit online or through mobile apps, but those will not post to your account until the following business day — Monday, April 21, 2025.
A small number of banks stay open on Good Friday because they are not subject to federal holiday rules or because they operate in states that do not observe it. This is rare, but worth checking if you have a specific banking need that day.
Key Takeaways
- Nearly all U.S. banks close on Good Friday, April 18, 2025, because it is a federal holiday.
- The Federal Reserve does not process payments that day, so wire transfers and ACH transfers will not clear until Monday.
- Online banking and mobile apps may accept transactions on Good Friday, but they will not post until the next business day.
- A handful of banks stay open on Good Friday; call your branch or check your bank's website to confirm hours before you go.
How to plan ahead if you need banking services on Good Friday
If you know you will need cash or need to deposit a check before Good Friday, do it on Thursday, April 17. This gives you time to handle the transaction while the bank is open and ensures any deposits clear before the long weekend.
If you are expecting a wire transfer or ACH payment (like a paycheck or tax refund), assume it will not arrive until Monday or Tuesday. Banks sometimes show pending transactions in your account on Friday, but the money does not actually settle until the Federal Reserve reopens on Monday.
For bill payments or transfers you control, submit them on Thursday or earlier in the week. If you wait until Friday, the transaction may not process until the following week, which could cause a late payment if a bill is due soon after.
Which banks might be open on Good Friday
Credit unions sometimes stay open on Good Friday because they are not always bound by federal holiday rules. Call your credit union directly to ask about their April 18 hours.
Some online banks and financial institutions that do not have physical branches operate on different schedules. If your bank is primarily digital, check their website or app for holiday hours — they may process some transactions normally.
A very small number of regional or community banks stay open on Good Friday. This is uncommon, but if you bank locally, it is worth a quick phone call to confirm.
What happens to automatic payments and direct deposits on Good Friday
Automatic bill payments you have already scheduled will process on their normal dates, but if that date falls on Good Friday, the payment will not actually leave your account until Monday. The biller may show it as pending on Friday, but the money stays in your account over the weekend.
Direct deposits (like paychecks or government payments) that are scheduled to arrive on Good Friday will usually arrive on Monday instead. Some employers deposit on Thursday to avoid the holiday delay, so check with your payroll department if you are unsure when your next check will hit.
If you have a payment due on Good Friday and you are worried about being late, pay it on Thursday instead. Most billers do not count Good Friday as a business day, so a payment made Thursday should arrive on time.
How to find your bank's specific Good Friday hours
The fastest way is to search "[Your Bank Name] Good Friday hours" or visit your bank's website and look for a holiday hours page. Most large banks post this information in January or February.
Call your local branch directly. The phone number is usually on your debit card or bank statement. A staff member can tell you whether that specific branch is open on April 18.
Check your bank's mobile app. Many apps have a branch locator tool that shows hours for each location, including holiday closures.
ATMs and mobile banking still work on Good Friday
ATMs operate 24/7, even on Good Friday. You can withdraw cash, deposit checks (if your ATM has that feature), and check your balance anytime.
Mobile banking apps and online banking portals stay open. You can transfer money between your own accounts, pay bills, and send money to other people. Just remember that the actual transfer or payment will not process until Monday.
If you need cash for the weekend, use an ATM on Thursday or Friday. If you need to deposit a check and want it to clear quickly, use a mobile check deposit through your app on Thursday — it will process faster than a Friday deposit.
Frequently Asked Questions
Will my paycheck arrive on Good Friday if it is scheduled for April 18?
Most likely not. Direct deposits scheduled for Good Friday usually arrive on Monday, April 21, instead. Ask your payroll or HR department when they process payroll around the holiday — some employers deposit on Thursday to avoid the delay.
Can I use my debit card on Good Friday if the bank is closed?
Yes. Your debit card works at any merchant or ATM, regardless of whether your bank branch is open. You can also use it for online purchases. The bank being closed does not affect your card's ability to process transactions.
What if I need to deposit a check on Good Friday?
Use mobile check deposit through your bank's app if you have it — this works anytime. If you must deposit in person, go on Thursday instead. A check deposited on Friday will not clear until Tuesday at the earliest.
Do credit unions close on Good Friday?
Most do, but not all. Credit unions are not always required to follow federal holidays. Call your credit union to confirm whether they are open on April 18.
Will wire transfers process on Good Friday?
No. The Federal Reserve does not process wire transfers on Good Friday, so any wire you send will not reach the other bank until Monday. Submit wire transfers on Thursday if you need them to arrive quickly.