Most banks are closed on Juneteenth, but some branches and ATMs stay open
Juneteenth (June 19) is a federal holiday, which means most banks observe it as a day off. The major national banks—Bank of America, Chase, Wells Fargo, Citibank, and others—close their branch locations on Juneteenth. However, ATMs and online banking remain available 24/7, so you can withdraw cash and check balances even when branches are shut.
Some smaller regional banks and credit unions may have different schedules. A few branches in certain areas stay open on federal holidays, though this is uncommon. The only way to know for certain is to call your bank's local branch or check their website the day before Juneteenth.
If you need to deposit a check or speak to a teller on Juneteenth, you will have to wait until the next business day. Any deposits made through an ATM or mobile app will process, but the bank won't credit them to your account until the following day anyway because of how federal holiday processing works.
Key Takeaways
- All major national banks close their physical branches on Juneteenth, a federal holiday.
- ATMs, online banking, and mobile apps work normally on Juneteenth, so you can access your money anytime.
- Checks deposited on Juneteenth won't be processed until the next business day, even if you use an ATM.
- Credit unions and smaller regional banks may have different hours, so contact your bank directly if you are unsure.
What you can and cannot do when your bank is closed
When a bank branch is closed on Juneteenth, you lose access to tellers and customer service representatives. You cannot cash a check, open a new account, apply for a loan, or speak to someone about a problem with your account. If you need to dispute a transaction or report a lost card, you will have to wait until the branch reopens.
What remains available: ATM withdrawals and deposits, balance checks, fund transfers between your own accounts, bill payments through online banking, mobile check deposits, and wire transfers initiated through your bank's website or app. Many banks allow you to set up alerts, freeze your card, or order a replacement card through their mobile app without speaking to anyone.
If you have an urgent banking need on Juneteenth, call your bank's customer service line. Most banks staff their phone lines even on federal holidays, and representatives can help with account issues, fraud reports, and lost card replacements over the phone.
How Juneteenth affects check deposits and transfers
Any check you deposit on Juneteenth—whether at an ATM or through mobile deposit—will not clear until at least the day after the holiday. Banks do not process deposits on federal holidays, so a check deposited on Wednesday, June 19, will not show as available funds until Friday, June 21, at the earliest. This is true even if you deposit it early in the morning.
Wire transfers and ACH transfers (like payments to another bank account) initiated on Juneteenth may also be delayed. Wire transfers sent on a federal holiday typically process the next business day. ACH transfers can take one to three business days regardless, but the holiday adds an extra day to the timeline.
If you are counting on a deposit to clear by a certain date, plan ahead. Do not wait until Juneteenth to deposit a check if you need the money by Friday.
Which financial institutions stay open on Juneteenth
Most credit unions follow the same federal holiday schedule as banks and close on Juneteenth. However, some credit unions operate on different calendars or have branches in multiple states with different holiday observances. A few credit unions stay open on federal holidays as a competitive advantage.
Online-only banks (like Ally, Charles Schwab, and Discover) do not have physical branches, so there is no "closed" status—you can bank anytime. However, their customer service phone lines may have reduced hours or delayed responses on federal holidays.
Brokerage firms and investment platforms typically close on federal holidays too, though you can still view your account and place trades through their apps or websites. Any trades placed on Juneteenth will execute when the market reopens on the next business day.
Planning ahead if you need banking services on or around Juneteenth
If you know you will need to visit a bank branch around Juneteenth, plan your visit for the day before or the day after. Withdraw extra cash on June 18 if you think you might need it on June 19. If you need to deposit checks, do it before the holiday so they clear on time.
For recurring bills or payments due on or near Juneteenth, set them up in advance through online banking or automatic transfers. Most banks let you schedule payments days or weeks ahead, so the money leaves your account on the exact date you choose.
If you are expecting a direct deposit or payment on Juneteenth, it may arrive a day late. Payroll and government payments sometimes process on the next business day after a federal holiday. Check with your employer or the agency sending the payment if the timing matters.
What to do if you have a banking emergency on Juneteenth
If your card is lost or stolen on Juneteenth, call your bank's customer service line immediately. Most banks have 24/7 fraud and lost card hotlines, even on federal holidays. They can freeze your card right away to prevent unauthorized charges and order a replacement.
If you notice fraudulent activity on your account, report it the same day by phone. Banks have strict timelines for fraud disputes, and calling on the holiday itself protects you. Do not wait until the branch reopens.
For other urgent issues—a payment that did not go through, a hold on your account, or a problem with a transfer—call customer service. Many issues can be resolved over the phone without visiting a branch. If the issue truly requires a branch visit, ask the representative to schedule an appointment for the next business day.
Frequently Asked Questions
Can I use my debit card on Juneteenth if the bank is closed?
Yes. Your debit card works at ATMs and stores on Juneteenth regardless of whether your bank branch is open. You can withdraw cash, make purchases, and check your balance anytime. The bank being closed only affects access to tellers and branch services.
Will my paycheck deposit be delayed if it arrives on Juneteenth?
Possibly. Direct deposits scheduled for Juneteenth may post a day late, depending on your employer's payroll system and your bank's processing schedule. If your paycheck is due on June 19, contact your employer to confirm whether it will arrive on time or on June 20.
Can I deposit a check through my phone on Juneteenth?
Yes, mobile check deposit works on Juneteenth. However, the check will not clear until the next business day or later. The bank does not process deposits on federal holidays, so funds will not be available until at least June 20.
Do credit unions close on Juneteenth?
Most credit unions close on Juneteenth because it is a federal holiday. Some smaller or online credit unions may stay open. Contact your credit union directly to confirm their Juneteenth hours.
What if I need cash and the ATM is out of money on Juneteenth?
ATMs are usually restocked regularly, but if one runs out of cash on a holiday, you will have to find another ATM or wait until the branch reopens. Keep some cash on hand before federal holidays in case ATMs in your area are depleted.