Most banks will be open on Christmas Eve 2025, but with reduced hours
Most major banks in the United States operate on Christmas Eve, December 24th, 2025. However, they typically close earlier than usual — often at 2 p.m. or 3 p.m. instead of their standard 5 p.m. or 6 p.m. closing time. Some branches may close at noon. A few banks close entirely on Christmas Eve, particularly smaller regional banks and credit unions, so you cannot assume your branch will be open without checking first.
The safest approach is to contact your bank directly or check their website for your specific branch's hours. Most banks post holiday schedules online by early December. If you need to do banking on December 24th, plan to visit in the morning or early afternoon rather than waiting until late in the day.
Key Takeaways
- Most major banks operate on Christmas Eve 2025 but close 2 to 3 hours earlier than their normal closing time.
- Your specific branch may have different hours than other locations, so check your bank's website or call ahead.
- ATMs and online banking remain available 24/7 regardless of branch hours.
- Credit unions and smaller regional banks are more likely to close entirely on Christmas Eve, so verify before you go.
- If you need cash or services on December 24th, visit your branch in the morning rather than afternoon.
How to find your bank's Christmas Eve hours
The quickest way is to search "[Your Bank Name] holiday hours 2025" or visit the bank's official website directly. Most major banks — Bank of America, Wells Fargo, Chase, Citibank, and others — publish their holiday schedules on their homepage or under a "Locations" or "Hours" section by early December.
If you cannot find the information online, call your branch directly. The phone number is usually on your debit card, your bank statements, or the bank's website. Staff can tell you whether your specific location will be open on December 24th and what time they close.
For credit unions, check your credit union's website or call the member services line. Credit unions vary widely in their holiday policies — some stay open on Christmas Eve with reduced hours, while others close entirely.
What you can do if your branch is closed
ATMs work 24/7, so you can withdraw cash, check your balance, or deposit checks any time on December 24th, even if the branch is closed. Most banks do not charge extra fees for ATM use on holidays.
Online banking and mobile apps are also available around the clock. You can transfer money between accounts, pay bills, send money to other people, and check your balance without visiting a branch. If you need to deposit a check and your bank offers mobile check deposit through its app, you can do that from home.
If you need to speak with someone — for example, to report a lost card, dispute a charge, or ask about a loan — call your bank's customer service line. Most banks staff their phone lines on Christmas Eve even if branches are closed, though wait times may be longer than usual.
Banks that typically close on Christmas Eve
Some smaller banks and most credit unions close entirely on Christmas Eve. This includes many community banks, local credit unions, and some online-only banks that do not have physical branches. If your bank is small or regional, assume it will be closed unless you confirm otherwise.
Even if a bank closes on Christmas Eve, you can still use its ATM and online services. The closure only affects in-person transactions at the branch.
Planning ahead for December 24th banking needs
If you know you will need to visit your bank on Christmas Eve — for example, to deposit a large check, get a cashier's check, or handle a time-sensitive matter — do it earlier in the week. December 22nd or 23rd is safer than waiting until December 24th, when hours are limited and branches may be busier than usual.
If you need cash for the holiday, withdraw it before December 24th. This avoids the risk of finding your branch closed or running into long lines on Christmas Eve itself.
For checks that need to clear before the new year, deposit them by December 23rd if possible. Banks process deposits differently during holidays, and a deposit made on December 24th may not post until after Christmas.
What happens on Christmas Day itself
All banks in the United States are closed on Christmas Day, December 25th, 2025, because it is a federal holiday. This includes all branches, customer service lines, and in-person services. ATMs and online banking remain available.
If you need banking services on December 25th, your only options are ATM withdrawal, online transfers, or calling customer service if your bank staffs holiday lines (most do not). Plan accordingly if you need cash or need to handle a transaction that day.
Frequently Asked Questions
Can I use my bank's ATM on Christmas Eve if the branch is closed?
Yes. ATMs operate 24/7 regardless of branch hours or holidays. You can withdraw cash, deposit checks (if your ATM accepts deposits), transfer money, and check your balance on Christmas Eve even if the branch itself is closed.
Will my online banking work on Christmas Eve?
Yes. Online banking, mobile apps, and bill pay are available around the clock on Christmas Eve. You can transfer money, check balances, and pay bills from your phone or computer without visiting a branch.
What if I need to speak to someone at my bank on Christmas Eve?
Call your bank's customer service line. Most major banks staff their phone lines on Christmas Eve even if branches are closed, though wait times may be longer. Check your bank's website for the customer service number and holiday hours.
Do credit unions have different hours than banks on Christmas Eve?
Credit unions vary. Some operate with reduced hours on Christmas Eve, while others close entirely. Check your specific credit union's website or call ahead — do not assume they follow the same schedule as major banks.
When should I deposit a check if I need it to clear before the new year?
Deposit by December 23rd if possible. Deposits made on December 24th may not post until after Christmas, depending on your bank's holiday processing schedule. Call your bank if you are unsure about their specific timeline.