Most banks are closed on federal holidays, but regular Mondays stay open

If Monday is a regular business day with no federal holiday, your bank will be open during its normal hours — usually 9 a.m. to 5 p.m., though some branches open earlier or stay open later. If Monday falls on a federal holiday like Martin Luther King Jr. Day, Presidents' Day, or Memorial Day, the bank will be closed and you won't be able to visit a branch or use in-person services.

The fastest way to know for certain is to check your bank's website or call the specific branch you plan to visit. Banks post holiday closures weeks in advance, and most let you search by location. If you need to deposit a check or withdraw cash on a holiday, ATMs and mobile banking stay available even when branches close.

Key Takeaways

  • Federal holidays shut down bank branches, but ATMs and online banking work on those days.
  • Regular Mondays are business days unless a federal holiday falls on that date.
  • Your bank's website shows which holidays will close your branch and when it reopens.
  • If you need cash or to deposit a check on a holiday, use the ATM or mobile app instead of waiting for the branch to open.
  • Some banks have different hours on the day before or after a holiday, so check ahead if you're planning a visit.

Federal holidays that close banks

Banks close on these federal holidays every 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 (fourth Thursday in November), and Christmas (December 25).

When a holiday falls on a weekend, the bank closure moves to the nearest weekday. If Christmas falls on a Saturday, for example, banks close on Friday instead. If New Year's Day falls on a Sunday, banks close on Monday. Your bank's holiday schedule will show you exactly which dates affect your branch.

How to check if your specific bank is closed Monday

Go to your bank's official website and look for "branch hours," "holiday hours," or "locations." Most banks have a search tool where you enter your zip code or branch name and see that location's schedule for the next several weeks. The holiday closure dates appear clearly, usually in red or with a note saying "Closed."

If you can't find it online, call the branch directly. The phone number is on your debit card, in your account statements, or on the bank's website. A staff member can tell you immediately whether Monday is a holiday closure and when the branch reopens. This takes less than a minute and removes all doubt.

What you can do when the branch is closed

ATMs work 24/7, even on federal holidays, so you can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), and transfer money between accounts. Mobile banking apps let you pay bills, send money to other people, check your balance, and freeze your card if needed. Online banking works the same way — log in from any computer or phone.

If you need to speak to someone, most banks offer phone support on holidays, though wait times are often longer. Some banks also offer chat support through their website or app. If your issue is urgent and requires a branch visit, you may need to wait until Tuesday or find a different bank's branch that's open (some banks have partnerships that let you use other branches).

Banks with extended Monday hours

Some banks stay open later on Mondays than other weekdays, and a few open earlier. Credit unions sometimes have different schedules than national banks. If you're planning to visit Monday and it's not a holiday, call ahead or check online to confirm your branch's exact hours — they may differ from the main bank's standard times.

Branches inside grocery stores or pharmacies sometimes have different hours than standalone bank locations. If you bank at a branch inside a Target, Walmart, or CVS, that location may close earlier or later than a traditional bank branch, and holiday closures may differ too.

What happens to deposits and transfers on a holiday

If you deposit a check through an ATM or mobile app on a holiday, the bank processes it the next business day. If you transfer money online or through the app on a holiday, it typically goes through the next business day as well. Some transfers take longer depending on the type — ACH transfers between banks often take one to three business days regardless of when you send them.

If you need money urgently and Monday is a holiday, use an ATM to withdraw cash before the holiday, or use a peer-to-peer payment app like Venmo or PayPal to send money to someone else instantly (though they may charge a fee for instant transfers).

Frequently Asked Questions

Can I use my debit card on a holiday when the bank is closed?

Yes. Debit cards work at ATMs and stores on holidays. You can withdraw cash, check your balance, and make purchases. The bank branch itself is closed, but your account and card remain active.

Will a check I deposit on a holiday clear faster or slower?

Slower. Deposits made on a holiday are processed the next business day. If you deposit on a Monday holiday, processing starts Tuesday. The total time to clear depends on the check amount and the banks involved, but the holiday adds one day to the timeline.

Do credit unions close on the same holidays as banks?

Most do, but not all. Some credit unions follow federal holidays exactly, while others have their own schedules. Check your credit union's website or call to confirm whether your branch is closed Monday.

What if I need to speak to someone and the branch is closed?

Call your bank's customer service number (on your card or statement). Most banks staff phone lines on holidays, though wait times are longer. Chat support through the website or app is often faster on holidays.

Can I still pay my bills online if the bank is closed?

Yes. Online bill pay works 24/7, even on holidays. The payment processes the next business day, so schedule it accordingly if you have a due date coming up.