Most banks are closed on Easter Monday, but some branches may open later in the afternoon
Whether your bank is open on Easter Monday depends on which bank you use and whether it observes the federal holiday. The major national banks—Bank of America, Wells Fargo, Chase, Citibank, and US Bank—are closed on Easter Monday because it is a federal holiday. However, some smaller regional banks and credit unions stay open, and a few large banks open select branches in the afternoon after the holiday observance ends.
The safest approach is to contact your specific bank directly or check their website before you need to visit on Monday. Most banks post holiday hours online by the week before, and you can call the branch number to confirm. If you need to deposit a check or withdraw cash on Easter Monday, ATMs and mobile banking apps work around the clock regardless of branch closures.
Key Takeaways
- Major national banks including Chase, Bank of America, Wells Fargo, and Citibank close on Easter Monday as a federal holiday.
- ATMs and mobile banking apps remain available 24/7 even when physical branches are closed.
- Some regional banks and credit unions stay open on Easter Monday, so you should check with your institution directly.
- Bank websites and phone lines typically post holiday hours by the week before Easter.
- Wire transfers, loan payments, and other time-sensitive transactions may process on a delay if submitted on Easter Monday.
Which banks close on Easter Monday
The Federal Reserve observes Easter Monday as a federal holiday, which means all banks that are members of the Federal Reserve System close their branches that day. This includes every major national bank: Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, TD Bank, and Regions Bank all close on Easter Monday.
If you bank with a large national institution, assume your branch is closed unless you see otherwise on their website. Some banks may open a limited number of branches in major cities in the afternoon, but this is rare and not may provide. Call ahead or check online before making a trip.
Credit unions and smaller regional banks
Credit unions and smaller regional banks have more flexibility because they are not all required to follow the Federal Reserve holiday schedule. Some stay open on Easter Monday, while others close. Navy Federal Credit Union, for example, typically remains open on Easter Monday, but Alliant Credit Union and many others close.
The only way to know for certain is to contact your credit union or regional bank directly. Check their website for holiday hours, call the branch, or use their mobile app to see if your location is open. Do not assume based on what another branch or another institution does.
What you can do on Easter Monday even if your branch is closed
ATMs work 24 hours a day, 7 days a week, regardless of whether the branch is open. You can withdraw cash, deposit checks using mobile deposit or an ATM that accepts deposits, and check your balance at any time on Easter Monday.
Mobile banking apps let you transfer money between your own accounts, pay bills, and send money to other people through services like Zelle or your bank's own transfer system. You can also deposit checks by taking a photo through your bank's mobile app—most banks process these by the next business day.
If you need to speak to a person, many banks offer phone support on holidays, though wait times may be longer. Check your bank's website to see if customer service is available on Easter Monday and what the hours are.
Transactions that may delay if you submit them on Easter Monday
Wire transfers submitted on Easter Monday will not process until Tuesday. If you are sending money to another bank or to someone outside your bank, the transfer will sit in a queue and move when the banking system reopens. This matters if you have a time-sensitive payment—for example, if you are wiring a down payment or paying a contractor on a deadline.
ACH transfers (the system banks use to move money between accounts) also pause on federal holidays. Payments you schedule for Easter Monday will process on Tuesday instead. Loan payments, mortgage payments, and other automatic transfers scheduled for Monday will go through on Tuesday, so make sure you have enough time before any actual due date.
Check deposits made through ATMs or mobile apps on Easter Monday will be processed when the bank reopens on Tuesday. The funds may not be available in your account until Wednesday, depending on your bank's processing schedule.
How to find your bank's specific Easter Monday hours
Go to your bank's website and look for a "Holiday Hours" or "Branch Locator" section. Most banks publish their Easter Monday hours by the Thursday or Friday before. You can also search "[Your Bank Name] Easter Monday hours" to find the information quickly.
Call your specific branch directly using the phone number on your debit card or on the bank's website. Ask whether they are open on Easter Monday and, if so, what time they open and close. This is the most reliable way to confirm, especially for regional banks and credit unions.
Check your bank's mobile app. Many apps show branch hours and let you see which locations are open on specific days. Some apps also let you message customer service to ask about holiday hours.
Planning ahead for Easter Monday banking needs
If you know you will need to visit your bank on Easter Monday, handle it before the holiday. Deposit checks, withdraw cash, or complete any transactions that require a teller on the Friday or Saturday before Easter. This removes the uncertainty and ensures you have what you need.
If you have a time-sensitive payment or transfer, submit it before Easter Monday. Wire transfers and ACH payments submitted on Friday will process on Monday (if the receiving bank is open) or Tuesday. Submitting early gives you a buffer in case of delays.
Set up automatic payments and transfers through your mobile app or online banking so you do not have to visit a branch at all. Most routine payments can be scheduled weeks or months in advance, which eliminates the need to plan around holiday closures.
Frequently Asked Questions
Can I use my debit card at stores on Easter Monday if my bank is closed?
Yes. Your debit card works at any store, ATM, or online merchant regardless of whether your bank's branch is open. The bank's computer systems process transactions 24/7. Only in-person services at the branch—like speaking to a teller or using a safe deposit box—require the branch to be open.
Will my direct deposit hit my account on Easter Monday?
Direct deposits scheduled for Easter Monday may arrive on Monday if your employer processes payroll before the holiday, but they may also delay until Tuesday. Check with your employer about their payroll schedule. If Easter Monday is a holiday for your employer, payroll may not process until Tuesday.
What if I need to deposit a check on Easter Monday and my bank is closed?
Use mobile deposit through your bank's app if available—you photograph the check and submit it through the app. The check will be processed when the bank reopens. If your bank does not offer mobile deposit, use an ATM that accepts check deposits, or wait until Tuesday to deposit in person.
Do online banks close on Easter Monday?
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so they do not close on Easter Monday. You can transfer money, deposit checks by mail or mobile app, and access your account normally. However, wire transfers and ACH transfers still process on the Federal Reserve's schedule and may delay if submitted on the holiday.
Can I pay my credit card bill on Easter Monday?
Yes. You can pay online or through your bank's mobile app at any time, including Easter Monday. If you pay by mail, the payment will arrive after the holiday. If you pay by phone, you may reach customer service, though wait times may be longer. To avoid late fees, submit payments by the Friday before Easter.