Banks and post offices follow different holiday schedules, so you need to check both separately
Banks and the U.S. Postal Service close on the same federal holidays — New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. On those days, neither will process transactions or deliver mail. But outside federal holidays, their hours differ: most banks close by 5 or 6 p.m. on weekdays and close entirely on Sundays, while post offices often stay open until 6 or 7 p.m. and some locations have Saturday hours.
The fastest way to know if a specific branch or post office is open today is to search for it by address or ZIP code on the institution's own website or map. A phone call to the location itself takes two minutes and gives you a certain answer.
Key Takeaways
- Banks and post offices close on the same eleven federal holidays, but have different weekday and weekend hours otherwise.
- Google Maps, the USPS website, and your bank's website all show real-time hours for the specific location nearest you.
- Calling the branch or post office directly is the fastest way to confirm today's hours if you are unsure.
- Some banks and post offices have extended hours or Saturday service, so checking your local location matters more than knowing the general rule.
How to check your bank's hours today
Open your bank's website or mobile app and search for the branch by address or ZIP code. Most banks display hours for today, tomorrow, and the rest of the week. If the branch is closed, the app or website will say so clearly. You can also call the branch directly — the phone number is on the website — and a staff member will tell you whether it is open and when it closes.
If you do not know which branch is nearest, Google Maps will show you all branches in your area along with their hours. Type your bank's name and your city, and Maps will display each location with a green "Open" label or a red "Closed" label for today. Click on any branch to see its full hours for the week.
How to check the post office hours today
Go to tools.usps.com and enter your ZIP code or address. The USPS locator will show every post office near you with hours for today. You can also search "post office near me" on Google Maps, which displays hours the same way as for banks. If you are looking for a specific post office, call it directly — the number is on the USPS website.
Some post offices have different hours on different days, and a few have Saturday service. The locator tool shows the full weekly schedule, so you can see whether Saturday service is available at your location.
Federal holidays when both banks and post offices close
Both institutions close on these eleven days each year:
- New Year's Day (January 1)
- Martin Luther King Jr. Day (third Monday in January)
- Presidents' Day (third Monday in February)
- Memorial Day (last Monday in May)
- Juneteenth (June 19)
- Independence Day (July 4)
- Labor Day (first Monday in September)
- Columbus Day (second Monday in October)
- Veterans Day (November 11)
- Thanksgiving Day (fourth Thursday in November)
- Christmas Day (December 25)
When a federal holiday falls on a Saturday, most banks and post offices close on Friday instead. When it falls on a Sunday, they close on Monday. Check your local branch or post office website to confirm the observed date, because some institutions follow different rules.
Why banks and post offices have different regular hours
Banks typically close at 5 or 6 p.m. on weekdays and do not open on Sundays, though some branches have extended hours or Saturday service. Post offices often stay open until 6 or 7 p.m. on weekdays and many have Saturday hours, but hours vary widely by location and mail volume.
Smaller post offices and bank branches may have shorter hours than larger ones in the same town. A rural post office might close at 4 p.m., while a downtown location stays open until 7 p.m. The only way to know your specific location's hours is to check directly.
What to do if you need banking or mail services on a holiday
Most banks offer ATM access 24/7, even when the branch is closed. You can withdraw cash, check your balance, and transfer money between your own accounts at any ATM. For services that require a teller — deposits, cashier's checks, account changes — you will need to wait until the branch reopens.
For mail on a federal holiday, the post office will not deliver or accept packages. If you need to mail something urgently, some private carriers like UPS and FedEx operate on holidays, though hours may be limited. Check their websites for holiday hours at locations near you.
Frequently Asked Questions
Do all banks close on the same federal holidays?
Yes, all banks close on the eleven federal holidays recognized by the U.S. government. However, the day they observe the holiday may differ if it falls on a weekend — some banks close on Friday if the holiday is Saturday, or Monday if it is Sunday. Check your bank's website to confirm which day it observes each holiday.
Can I use my bank's ATM if the branch is closed?
Yes. ATMs operate 24/7 at most banks, even when the branch itself is closed. You can withdraw cash, deposit checks (at ATMs with deposit slots), transfer money, and check your balance. For services that require a teller, you will need to visit during business hours.
Are all post offices open on Saturdays?
No. Many post offices have Saturday hours, but not all. Some smaller locations close on Saturday. Check the USPS locator tool at tools.usps.com for your specific post office's Saturday hours, or call the location directly.
What if the holiday falls on a weekend?
When a federal holiday falls on Saturday, most banks and post offices close on Friday instead. When it falls on Sunday, they close on Monday. Some institutions follow different rules, so check your local branch or post office website to see which day it observes the holiday.
Can I mail packages on a federal holiday?
No, the post office is closed on federal holidays and will not accept or deliver mail. If you need to mail something on a holiday, UPS and FedEx may have limited service — check their websites for holiday hours at locations near you.