Most banks are open on Monday, but some branches close for the holiday

Banks are open on most Mondays. However, if Monday is a federal holiday—such as Martin Luther King Jr. Day, Presidents' Day, or Memorial Day—your bank will be closed that day. The same goes for Labor Day (first Monday in September) and Juneteenth (June 19th, observed on Monday if it falls on a weekend).

Individual branches sometimes close on Mondays for reasons unrelated to holidays: renovations, staffing shortages, or permanent closures. Your specific branch's Monday hours depend on the bank, the location, and whether a holiday falls on that date.

If you need to know whether your bank is open this coming Monday, the fastest way is to search the bank's name plus "hours" in Google Maps, call the branch directly, or check the bank's website or app. Those sources show real-time status and any holiday closures.

Key Takeaways

  • Banks close on federal holidays that fall on Monday, including Martin Luther King Jr. Day, Presidents' Day, Memorial Day, and Labor Day.
  • Google Maps, your bank's website, and a phone call to the branch are the fastest ways to confirm whether your specific location is open Monday.
  • Some branches close on Mondays for reasons other than holidays—check before you go.
  • If your bank is closed, you can use ATMs, mobile banking, or online transfers 24/7, though some transactions require a teller.
  • Credit unions and online banks may have different holiday schedules than traditional banks.

Federal holidays that close banks on Monday

The federal holidays that most often fall on Monday are New Year's Day (January 1st), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Independence Day (July 4th, observed on Monday if it falls on a weekend), Labor Day (first Monday in September), Thanksgiving (fourth Thursday in November, though banks close Friday), Christmas (December 25th, observed on Monday if it falls on a weekend), and Juneteenth (June 19th, observed on Monday if it falls on a weekend).

When any of these dates fall on a Monday, the Federal Reserve closes and most banks follow. Some banks may stay open on certain holidays depending on state law or company policy, but this is rare. Credit unions often follow the same federal holiday schedule as banks, though some may have different rules.

How to check if your bank is open this Monday

The most reliable way to check is to search your bank's name and "hours" in Google Maps. The map result will show whether the branch is open today, tomorrow, or any specific day, and will flag holiday closures. This works for most major banks and many smaller regional banks.

You can also visit your bank's website or mobile app and look for a branch locator or hours section. Enter your zip code or branch name, and the site will show current hours and any holiday notices. If you cannot find the information online, call the branch directly—the phone number is usually on the website or in Google Maps.

If you are checking for a Monday that is several weeks away, keep in mind that some banks update their holiday schedules only a few weeks in advance. Check again closer to the date if you need to be certain.

What you can do if your bank is closed Monday

ATMs work 24/7, even when the bank is closed. 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 without visiting a branch.

Mobile banking apps let you transfer money to other people, pay bills, deposit checks by photo, and manage your account from your phone. These services work around the clock, whether the bank is open or closed. Online banking through your computer offers the same options.

If you need to speak to a person—to dispute a charge, open a new account, or handle something an ATM cannot do—you will need to wait until the bank reopens. Some banks offer phone support on holidays, though this is uncommon. Check your bank's website or app for a customer service number and holiday hours.

Banks with different Monday schedules

Online banks and credit unions may have different hours than brick-and-mortar banks. Online banks like Ally, Charles Schwab, and Discover have no physical branches, so "closed Monday" does not apply to them—you access your money through apps and websites 24/7. However, customer service phone lines may have reduced hours on holidays.

Credit unions typically close on the same federal holidays as banks, but some smaller credit unions may have different schedules. Check your credit union's website or call ahead if you are unsure.

Some large banks operate branches in different time zones or regions and may have different holiday schedules based on state law. For example, a bank might close on a state holiday that is not a federal holiday. Always check your specific branch rather than assuming all locations follow the same schedule.

Planning ahead for Monday bank visits

If you know you will need to visit the bank on a specific Monday, check the holiday calendar a few weeks in advance. The Federal Reserve publishes its holiday schedule each year, and most banks post theirs on their websites by November of the previous year.

If Monday is a holiday and you need cash or to deposit a check, plan to visit on Friday or use an ATM or mobile deposit. If you need to speak to a teller, call ahead to confirm the branch is open, or visit on a different day.

For time-sensitive transactions—such as wiring money or opening an account—do not wait until Monday if a holiday is coming. Handle it earlier in the week to avoid delays.

Frequently Asked Questions

Is my bank open this Monday?

Search your bank's name and "hours" in Google Maps, or visit the bank's website and use the branch locator. Both will show whether your specific location is open and flag any holiday closures. If you cannot find the information online, call the branch directly.

Can I withdraw money if the bank is closed on Monday?

Yes. ATMs work 24/7, even when the bank is closed. You can withdraw cash, deposit checks (if your ATM supports it), and transfer money between your own accounts without visiting a branch.

What federal holidays close banks on Monday?

Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Labor Day, and Juneteenth are the most common Monday holidays that close banks. New Year's Day, Independence Day, and Christmas also close banks when they fall on Monday.

Can I deposit a check if the bank is closed Monday?

If your bank's ATM has a check deposit slot or if your mobile app supports check deposit by photo, you can deposit without visiting a branch. Otherwise, you will need to wait until the bank reopens.

Do credit unions close on the same Mondays as banks?

Most credit unions close on federal holidays, but some smaller ones may have different schedules. Check your credit union's website or call to confirm whether it is open on the Monday you need.