Most banks are closed on December 26, 2025
December 26 falls on a Friday in 2025, but most U.S. banks will be closed that day. The reason is not a federal holiday — it is the observed day for Christmas. When Christmas falls on a Thursday (as it does in 2025), many banks observe the following Friday as a holiday instead of closing on Christmas itself.
This means you will not be able to visit a branch, use a teller, or conduct in-person banking on December 26. However, ATMs and online banking will remain available, and you can still deposit checks through mobile apps or ATM envelopes.
Some credit unions and smaller regional banks may have different schedules, so if you bank with a smaller institution, check your bank's website or call the branch directly to confirm.
Key Takeaways
- Most major U.S. banks close on December 26, 2025, because it is the observed day for Christmas.
- ATMs and online banking remain available even when branches are closed.
- Mobile check deposit and bill pay work on closed days, so you can handle routine transactions without visiting a branch.
- Credit unions and regional banks may have different holiday schedules, so contact your bank directly if you are unsure.
- If you need cash before the holiday, withdraw it on December 24 or 25 from an ATM.
What you can and cannot do on December 26
You cannot visit a branch, speak to a teller, or use a drive-through window on December 26. If you need to deposit a check, transfer money between accounts, or pay a bill, you can do all of those things through your bank's mobile app or website without waiting for the branch to reopen.
ATM withdrawals and deposits work normally on closed days. If your bank's ATM accepts envelope deposits, you can deposit checks or cash into an envelope and insert it into the machine. The deposit will be processed when the bank reopens on December 27.
Wire transfers, bill payments, and account transfers initiated online or through the app will be processed on the next business day — December 27 — even if you submit them on December 26.
When banks reopen after the holiday
Banks reopen on Monday, December 27, 2025. This is the first business day after the observed Christmas holiday. If you submitted any transactions online or through an ATM on December 26, they will process starting on December 27.
If you need to speak to someone at your bank about a transaction or account issue, you can call the customer service number on the back of your card on December 26, and a representative will help you. Many banks staff their phone lines even on holidays, though wait times may be longer than usual.
Planning ahead for the holiday weekend
December 26 is a Friday, which means the bank will also be closed on Saturday and Sunday. If you need cash or want to make deposits, do so on December 24 or 25. December 25 is Christmas Day and banks will be closed, but December 24 is a regular business day.
If you are traveling or know you will need cash over the weekend, withdraw it on December 24 from an ATM or branch. This gives you time to get what you need before the three-day closure.
Credit unions and smaller banks
Credit unions often follow the same holiday schedule as major banks, but not always. Some credit unions observe different holidays or have different closure dates. If you bank with a credit union, check their website or call ahead to confirm whether they are closed on December 26.
Regional and community banks may also have different schedules. A small local bank might stay open on December 26 even if major national banks close. The safest approach is to contact your specific bank directly rather than assuming based on what larger banks do.
Online and mobile banking during the closure
Your bank's website and mobile app will work on December 26 just as they do on any other day. You can check your balance, transfer money between your own accounts, pay bills, deposit checks using mobile check deposit, and review your transaction history.
The only thing you cannot do is access services that require a teller or branch staff member — things like ordering new debit cards, disputing a transaction in person, or getting a cashier's check. Those services resume on December 27.
Frequently Asked Questions
Can I use my debit card on December 26 if the bank is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer regardless of whether your bank's branch is open. The bank's closure only affects in-person branch services and teller access.
Will my paycheck deposit on December 26 if I have direct deposit?
Direct deposit deposits are processed by the bank's automated system and do not depend on branch hours. If your employer sends your paycheck on December 26, it will arrive in your account on that day or the next, depending on your employer's processing schedule.
What if I need to dispute a charge on December 26?
You can report a fraudulent or incorrect charge by calling your bank's customer service number on the back of your card. A representative will help you start the dispute process over the phone, even though the branch is closed.
Are ATMs open on December 26?
Yes. ATMs operate 24/7 regardless of branch hours. You can withdraw cash, deposit checks (if your ATM accepts deposits), and check your balance on December 26.
Do I need to do anything special to bank online on December 26?
No. Log in to your bank's website or app as you normally would. All online services work the same way on holidays as they do on regular business days.