Most banks are closed the Monday after Easter
The Monday after Easter is a federal holiday called Easter Monday in some states, but it is not a federal banking holiday. However, most major banks treat it as a holiday anyway and close their branches on that day. This means you cannot visit a branch in person, and you will not be able to use the drive-through window.
The banks that close on Easter Monday include Chase, Bank of America, Wells Fargo, Citibank, and most regional and community banks. If you need to confirm whether your specific bank is closed, call the branch directly or check their website — they post holiday hours weeks in advance.
Even though branches are closed, you can still use ATMs, mobile banking, and online banking to move money, check balances, and pay bills. Wire transfers and ACH transfers may process more slowly because the banking system itself runs on a reduced schedule.
Key Takeaways
- Most bank branches close on the Monday after Easter, even though it is not a federal banking holiday.
- ATMs and online banking work normally on Easter Monday, so you can withdraw cash and move money without visiting a branch.
- Deposits made on Easter Monday may not post until Tuesday, and wire transfers may take longer to process.
- Call your bank or check their website to confirm hours for your specific branch before you need to go in.
What you can and cannot do on Easter Monday
You can use an ATM to withdraw cash, deposit checks through a mobile app, transfer money between your own accounts, and pay bills online. You can also check your balance, view transaction history, and set up alerts through your bank's website or app.
You cannot visit a teller, open a new account in person, get a cashier's check, or speak to a banker about a loan or credit product. If you need a notary, most bank branches offer that service, but you will have to wait until Tuesday.
If you are expecting a deposit on Easter Monday — such as a paycheck or a refund — it may not post to your account until Tuesday or Wednesday, depending on when it was sent and your bank's processing schedule.
When deposits and transfers process on Easter Monday
ACH transfers (the standard way employers send paychecks and the way most bill payments work) do not process on federal holidays. If your paycheck is scheduled to hit your account on Easter Monday, it will likely arrive on Tuesday instead. The same is true for automatic bill payments you have set up.
Wire transfers sent on Easter Monday will not move until Tuesday, and the receiving bank may not process them until Wednesday. If you are sending money to pay a bill or meet a deadline, send it before Easter Sunday.
Mobile check deposits (taking a photo of a check through your bank's app) can be submitted on Easter Monday, but the check will not clear until Tuesday or later. The bank's system accepts the image, but the actual processing happens when the banking system reopens.
Banks that stay open or have limited hours
A small number of online-only banks and credit unions may operate on Easter Monday because they do not have physical branches. Banks like Ally, Charles Schwab Bank, and some credit unions run 24/7 and do not observe branch holidays. If you bank with an online-only institution, you can conduct business normally.
A few large banks open some branches on Easter Monday for limited hours — usually 10 a.m. to 2 p.m. — but this is rare and varies by location. Call ahead to confirm. Most branches in major cities stay fully closed.
How to plan ahead for Easter Monday
If you need cash, withdraw it on Friday or Saturday before Easter. If you need to deposit a check, use mobile deposit through your app on Easter Monday and it will process on Tuesday. If you need to send a wire transfer, send it before Easter Sunday.
If you have a time-sensitive transaction — such as a payment due on Easter Monday itself — contact your bank before the holiday to ask whether they can process it early. Some banks will accommodate requests if you call in advance.
Mark Easter Monday on your calendar each year so you do not assume your bank is open. Easter falls on a different date each year, so the Monday after Easter changes too. In 2024, Easter Monday is April 1. In 2025, it is April 21.
What to do if you need banking services on Easter Monday
Use your bank's mobile app or website to handle routine transactions. Most banks' online platforms are fully functional on holidays, and you can transfer money, pay bills, and check balances without delay.
If you need to speak to someone, call your bank's customer service line. Most banks staff their phone lines on holidays, even if branches are closed. You will not be able to visit in person, but you can resolve many issues by phone.
If you need cash and do not have enough on hand, use an ATM. If your bank's ATM is out of service or out of cash, you can use an ATM from another bank — you may pay a fee, but it will work.
Frequently Asked Questions
Will my paycheck deposit on Easter Monday?
Probably not. Most employers send paychecks through the ACH system, which does not process on federal holidays. If your paycheck is scheduled for Easter Monday, it will arrive on Tuesday instead. Contact your employer's payroll department if you are unsure when your check will hit your account.
Can I use my debit card on Easter Monday?
Yes. Your debit card works normally on Easter Monday because it does not depend on the bank branch being open. You can make purchases, withdraw cash from ATMs, and use it anywhere that accepts cards.
Do credit unions close on Easter Monday?
Most credit unions close on Easter Monday, just like banks. However, some online-only credit unions stay open. Call your credit union or check their website to confirm their holiday schedule.
What if I need a cashier's check on Easter Monday?
You cannot get one on Easter Monday because cashier's checks are issued by tellers at the branch. If you need one for a transaction on that day, get it on Friday or Saturday before the holiday.
Will my bill payment go through if I schedule it for Easter Monday?
Automatic bill payments scheduled for Easter Monday will process on Tuesday instead. If the bill is due on Easter Monday itself, schedule the payment for the Friday before to make sure it arrives on time.