Most banks are closed on Juneteenth, but some branches stay open

Juneteenth (June 19th) is a federal holiday, which means most banks observe it as a day off. The major national banks—Bank of America, Wells Fargo, Chase, Citibank, and US Bank—close their branches on Juneteenth. However, some credit unions, smaller regional banks, and online-only banks may operate on a different schedule.

If you need to handle banking on or around Juneteenth, the safest approach is to call your specific branch or check your bank's website the day before. Holiday hours vary by institution and sometimes by location within the same bank.

ATMs and online banking remain available on Juneteenth regardless of branch closures. You can withdraw cash, check balances, transfer money between accounts, and pay bills through your bank's app or website without visiting a physical location.

Key Takeaways

  • Major national banks close their branches on Juneteenth, though ATMs and online services stay open.
  • Credit unions and regional banks may have different holiday schedules, so contact your bank directly to confirm.
  • You can handle most banking tasks online or through ATMs on Juneteenth without needing a branch visit.
  • If you need to deposit a check or speak to a teller, plan ahead by visiting before the holiday or after branches reopen.

Which banks close on Juneteenth

The Federal Reserve recognizes Juneteenth as a federal holiday, and all banks that are members of the Federal Reserve System close on this day. This includes Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, and most other major institutions you will find in shopping centers and downtown areas.

Smaller regional banks and credit unions vary. Some follow the federal holiday schedule, while others remain open. A credit union in one state might close while the same credit union chain in another state stays open. The only way to know for certain is to contact your institution directly.

Online banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no "closure" in the traditional sense. However, customer service phone lines may have reduced hours or be closed entirely on Juneteenth.

What you can do on Juneteenth without a branch

ATMs work on Juneteenth. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), transfer money between your own accounts, and check your balance. ATM fees may apply depending on your bank and whether you use an out-of-network machine.

Online and mobile banking are fully operational. Log into your bank's website or app to pay bills, send money to other people, move funds between accounts, set up automatic transfers, or review your transaction history. These services do not depend on branch staff.

If you need to deposit a physical check and your ATM does not accept deposits, you will need to wait until the branch reopens. Most banks reopen on the business day after Juneteenth.

When branches reopen after Juneteenth

If Juneteenth falls on a weekday (Monday through Friday), most banks reopen the next business day. If Juneteenth falls on a Saturday or Sunday, the federal holiday observance typically shifts to the nearest weekday, and banks close on that observed day instead.

In 2024, Juneteenth is on Wednesday, June 19th. Banks close on Wednesday and reopen on Thursday, June 20th. In 2025, Juneteenth is on Thursday, June 19th, so banks close Thursday and reopen Friday, June 20th.

Some banks open for limited hours on the day after a holiday. Call ahead if you need to visit first thing in the morning, as your branch may not open until 10 a.m. or later.

Planning ahead for time-sensitive transactions

If you need to deposit a large check, open a new account, or handle anything that requires speaking to a teller, do it before Juneteenth. Waiting until the holiday week can delay processing, especially if the holiday falls on a Thursday or Friday.

Wire transfers and ACH transfers initiated before Juneteenth may still process on the holiday, but they will not clear until the next business day. If you are sending money to someone else, factor in the extra day.

Loan payments, mortgage payments, and credit card payments made online before the due date will post on time even if Juneteenth falls in between. However, if your due date is on or immediately after Juneteenth, make the payment several days early to avoid any processing delays.

Frequently Asked Questions

Can I use my debit card on Juneteenth if the bank is closed?

Yes. Debit cards work at ATMs and stores on Juneteenth regardless of whether your bank's branch is open. The only limitation is that you cannot visit a teller or use services that require a person to help you.

Will my direct deposit process on Juneteenth?

Direct deposits scheduled for Juneteenth may arrive a day late because the Federal Reserve does not process transactions on federal holidays. If your payday falls on Juneteenth, check with your employer about whether they send deposits a day early to compensate.

What if I need cash and the ATM is out of money?

ATMs can run out of cash, especially on or after a holiday weekend. If your ATM is empty, try a different ATM at another location or a different bank's ATM network. Some grocery stores and pharmacies also have ATMs.

Do online banks have customer service on Juneteenth?

Most online banks reduce customer service hours on federal holidays. Chat support may be unavailable, and phone lines may have long wait times. If you need help, contact them the day before or after the holiday.

Can I still pay my bills on Juneteenth?

Yes, you can pay bills online or through your bank's app on Juneteenth. However, if you are paying by check or mail, the payment will not arrive until after the holiday, so plan accordingly if your due date is close.