Most banks will be closed on Election Day 2025
Election Day — Tuesday, November 4, 2025 — is a federal holiday, which means most banks will be closed. This includes all major national banks like Bank of America, Chase, Wells Fargo, and Citibank, as well as most regional and community banks.
However, some banks operate on a different schedule or have limited services available. A few credit unions and online-only banks may remain open or offer partial services. The safest approach is to contact your specific bank directly to confirm their Election Day hours, since policies vary by institution and sometimes by branch location.
Key Takeaways
- Most brick-and-mortar banks close on Election Day because it is a federal holiday.
- Online banking, ATMs, and mobile apps typically remain available even when physical branches are closed.
- Some credit unions and smaller institutions may have different schedules, so check with your bank before Election Day.
- Plan ahead for any deposits, withdrawals, or in-person transactions you need to complete before November 4.
What stays open when branches close
Even though the physical branch is closed, you can still access your money through ATMs, online banking, and mobile apps. These services run 24/7 and do not stop for federal holidays. You can transfer funds between accounts, pay bills online, deposit checks through mobile deposit, and check your balance anytime.
If you need cash, any ATM that accepts your card will work. If you need to deposit a check, most banks allow mobile check deposit through their app, which processes the same way as an in-person deposit. The funds typically appear in your account within one to two business days, though the actual posting may occur on November 5 since that is the next business day.
Which banks might be open on Election Day
Some credit unions operate on different holiday schedules than traditional banks. A handful of online-only banks like Ally Bank and Charles Schwab Bank do not have physical branches, so the concept of "closed" does not apply — you access them only through digital channels anyway.
A very small number of banks in certain states or regions may stay open for limited hours, though this is rare. The only way to know is to call your branch directly or check your bank's website for Election Day hours. Do not assume your bank is open just because it is not a major national holiday like Christmas or Thanksgiving.
How to find your bank's Election Day schedule
Visit your bank's website and search for "holiday hours" or "Election Day hours." Most banks post this information in the fall. You can also call your local branch directly — the phone number is usually on your debit card or bank statements.
If you bank with a large national chain, you can often look up a specific branch location on their website and see that branch's hours. Some banks also let you check hours through their mobile app. Do this a few days before Election Day so you have time to plan any transactions you need to complete beforehand.
Plan ahead for deposits and withdrawals
If you need to deposit a check or withdraw cash before Election Day, do it on Monday, November 3. This ensures the transaction clears before the holiday and you do not have to wait until November 5 for the branch to reopen.
If you use mobile check deposit, you can submit it anytime, but keep in mind that checks submitted on Election Day itself may not process until November 5. The same applies to bill payments and transfers made through online banking — they will execute, but the posting date may be delayed by one day.
Wire transfers and time-sensitive transactions
Wire transfers typically do not process on federal holidays. If you need to send or receive a wire transfer, complete it before November 4. The same applies to ACH transfers, which may be delayed if initiated on Election Day.
If you have a time-sensitive payment due on or around Election Day, initiate it a day or two early to avoid delays. Most banks process these transactions in batches, and a holiday can push your transaction into the next business day's queue.
Frequently Asked Questions
Can I use my ATM on Election Day?
Yes. ATMs operate 24/7 regardless of bank holidays. You can withdraw cash, check your balance, and transfer funds between your own accounts anytime on Election Day.
Will my mobile deposit go through on Election Day?
You can submit a mobile deposit on Election Day, but it will not process until November 5 since that is the next business day. The funds typically appear in your account one to two business days after processing.
What if I need to speak to someone at my bank on Election Day?
Most branches will be closed, so you cannot visit in person. However, many banks offer phone support or online chat during limited hours even on holidays. Check your bank's website or call the customer service number on the back of your card to see if support is available.
Do credit unions close on Election Day?
Most credit unions close on Election Day, but some operate on different schedules. Contact your credit union directly to confirm their hours. Online and mobile services remain available regardless.
Will my automatic bill payments process on Election Day?
Automatic payments scheduled for Election Day will process, but the posting date may shift to November 5. Set up automatic payments a day or two before any due date that falls near Election Day to avoid late fees.