Most U.S. banks are closed on Easter Monday, but some branches and services stay open
Easter Monday is not a federal holiday in the United States, so banks are not required to close. However, most major banks — including Bank of America, Chase, Wells Fargo, and Citibank — choose to close their physical branches on Easter Monday as a matter of policy. If you need to deposit a check, withdraw cash, or speak to someone in person, your local branch will likely be closed.
Online banking, ATMs, and mobile apps work normally on Easter Monday. You can transfer money, check balances, pay bills, and move funds between accounts without interruption. If you need cash, any ATM belonging to your bank or a network your bank participates in (like Allpoint or MoneyPass) will dispense money 24 hours a day.
Some credit unions and smaller regional banks operate on different schedules. A few stay open on Easter Monday; others close. The only way to know for certain is to call your specific branch or check your bank's website for holiday hours.
Key Takeaways
- Most large U.S. banks close their physical branches on Easter Monday, even though it is not a federal holiday.
- ATMs and online banking remain available on Easter Monday — you can withdraw cash and transfer money anytime.
- Credit unions and regional banks may have different hours, so contact your branch directly to confirm.
- If you need to deposit a check or speak to a banker in person, plan ahead and visit before Easter Sunday.
- Wire transfers and bill payments through your bank's website or app process normally on Easter Monday.
How to find your bank's specific Easter Monday hours
Call your branch directly. The phone number is on your debit card, your bank's website, or in your online banking portal. A recorded message will tell you the holiday hours, or you can speak to someone who can confirm whether your location is open.
Check your bank's website. Most banks publish holiday schedules weeks in advance. Search for "holiday hours" or "Easter Monday hours" on the site, or look for a branch locator tool that shows hours for your specific location. Hours can vary by branch — a downtown location might have different policies than a suburban one.
Use your mobile app. Many banking apps have a branch locator with real-time hours. Open the app, find the branch or ATM locator, and search for your location.
What you can and cannot do on Easter Monday
| Service | Available on Easter Monday |
|---|---|
| ATM withdrawals and deposits | Yes, 24/7 |
| Online transfers between your accounts | Yes |
| Bill pay through your bank's website or app | Yes |
| Mobile check deposit | Yes |
| Wire transfers initiated online | Yes, but may process the next business day |
| In-person deposits at a teller | No — branches are closed |
| Speaking to a banker in person | No — branches are closed |
| Cashier's checks or certified checks | No — must wait until Tuesday |
| Loan applications or account changes | No — must wait until Tuesday |
Planning ahead if you need cash or to deposit a check
Withdraw cash before Easter Sunday. If you know you will need money over the Easter weekend, visit an ATM or your branch on Friday or Saturday. ATMs work on Easter Monday, but if you need a large amount or have a daily withdrawal limit, get the cash early.
Use mobile check deposit if you have a check to deposit. Most banks let you photograph the front and back of a check through their app and deposit it without visiting a branch. The check clears on the next business day (Tuesday after Easter Monday). This works on Easter Monday itself — the app does not close.
If you must deposit cash in person, you will have to wait until Tuesday. Some banks have after-hours deposit envelopes or night depositories at their branches, but these are not monitored on holidays and your deposit may not post until the following business day anyway.
Credit unions and regional banks on Easter Monday
Credit unions vary widely. Some close on Easter Monday; others stay open. Navy Federal, Vanguard Federal, and many large credit unions follow the same holiday schedule as major banks and close on Easter Monday. Smaller credit unions may have different policies. The only reliable way to know is to contact your credit union directly.
Regional and community banks also vary. Banks like PNC, TD Bank, and U.S. Bank typically close on Easter Monday, but some regional institutions stay open. Check your bank's website or call ahead.
What happens to transactions you start on Easter Monday
Transfers between your own accounts post immediately. If you move money from checking to savings through your bank's app on Easter Monday, the money is there right away.
Transfers to other banks may take longer. If you send money to someone else's bank account on Easter Monday, the transfer may not process until Tuesday or Wednesday because the receiving bank is also closed. The sending bank queues the transfer, but it cannot complete until both banks are open.
Bill payments scheduled for Easter Monday usually process on the next business day. If you set up a bill payment to go out on Easter Monday, most banks hold it and send it on Tuesday instead. Check your bank's bill pay settings to see the actual posting date.
Frequently Asked Questions
Can I use my debit card on Easter Monday if the bank is closed?
Yes. Your debit card works at any merchant, restaurant, or online store on Easter Monday. The bank branch being closed does not affect card transactions. You can also use your card at any ATM to withdraw cash.
Will my paycheck deposit on Easter Monday if my employer uses direct deposit?
Direct deposits scheduled for Easter Monday usually post on the next business day (Tuesday) because the receiving bank is closed. Some employers schedule payroll to arrive on Friday instead. Check with your employer or your bank's direct deposit settings to see the actual date.
What if I need a cashier's check on Easter Monday?
You cannot get one. Cashier's checks and certified checks require a banker to issue them in person. You will have to wait until Tuesday. If you need the check urgently, contact your bank on Friday to see if they can issue it early.
Do online banks close on Easter Monday?
No. Online-only banks like Ally, Charles Schwab Bank, and Marcus do not have physical branches, so they do not close on holidays. You can transfer money, withdraw from ATMs, and contact customer service on Easter Monday.
Can I still pay my credit card bill on Easter Monday?
Yes. You can pay through your bank's website, app, or by phone anytime on Easter Monday. The payment posts on the next business day. Make sure to pay by the due date to avoid late fees — if your due date falls on Easter Monday, the payment is due by end of business that day or the next business day depending on your card issuer's policy.