Most banks follow the same federal holiday schedule, but closures vary by bank and location

Bank closures happen on federal holidays, and the list is the same across most major banks: 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. However, some banks close on additional days, some branches stay open in certain locations, and a few banks operate on holidays while others do not. The fastest way to know if your specific bank is closed today is to call the branch directly or check their website — most banks post holiday hours online by the week before.

If you need to deposit a check, withdraw cash, or handle a transaction today and your bank is closed, ATMs and mobile apps work around the clock. Online transfers between accounts at the same bank process immediately or within one business day. If you need to reach a person, many banks offer phone support on holidays, though wait times are longer.

Key Takeaways

  • Federal holidays are the main reason banks close, and the same holidays apply to nearly all major banks.
  • Some banks and credit unions close on additional days beyond federal holidays, so checking your specific bank's website is the only way to be certain.
  • ATMs, mobile apps, and online transfers work on bank holidays, so you can move money without visiting a branch.
  • If you need to speak to someone, call your bank's customer service line — many operate on holidays, though with longer wait times.

Federal holidays when banks close

Banks in the United States 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, most banks close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks close on Friday. If New Year's Day falls on a Sunday, banks close on Monday. The Federal Reserve publishes the official holiday schedule each year, and most banks follow it exactly.

How to check if your bank is closed today

The fastest way is to visit your bank's website and look for "Holiday Hours" or "Branch Hours." Most banks post their holiday schedule a week or two in advance. You can also call your branch directly — the automated message will tell you if it is closed today. If you use a major bank like Chase, Bank of America, Wells Fargo, or Citibank, their websites have a branch locator tool where you can enter your zip code and see hours for the nearest location.

Credit unions often follow different schedules than banks. If you bank with a credit union, check their website or call — some close on federal holidays and some do not. Online banks like Chime, Ally, and Marcus do not have physical branches, so they do not close, but their customer service lines may have reduced hours.

What you can do if your bank is closed

ATMs work 24/7, so you can withdraw cash or deposit checks at any ATM your bank owns or partners with. Mobile apps let you transfer money between your own accounts, pay bills, and send money to other people through services like Zelle or your bank's own transfer tool. These transactions process immediately or within one business day depending on the type of transfer.

If you need to deposit a check and your bank is closed, use your mobile app's mobile deposit feature if your bank offers it — you photograph the front and back of the check and submit it through the app. The check clears by the next business day. If your bank does not offer mobile deposit, wait until the next business day to visit a branch or ATM.

Reaching customer service on a bank holiday

Most major banks operate customer service phone lines on federal holidays, though wait times are significantly longer than on regular business days. If you call, expect to wait 30 minutes to an hour. Chat support through the bank's website or app may also be available, though response times are slower.

If your issue is urgent — for example, you need to report a fraudulent charge or dispute a transaction — call anyway. Banks prioritize fraud and security issues even on holidays. For non-urgent questions, it is usually faster to wait until the next business day or use the bank's website to find the answer.

When banks close on days that are not federal holidays

Some banks close on additional days beyond the federal holiday list. A few banks close on the day after Thanksgiving, and some regional banks close on state holidays that are not federal holidays. For example, some banks in Texas close on Texas Independence Day (March 2), and some banks in Hawaii close on additional Hawaiian holidays.

The only way to know if your bank observes extra holidays is to check their website or call. Most banks list their full holiday schedule online under "Holiday Hours" or "Bank Holidays." If you are unsure, call your branch the day before to confirm it will be open.

Planning ahead for bank closures

If you know you will need cash or need to make a deposit on a holiday, plan ahead. Withdraw cash the day before, or use an ATM on the holiday itself. If you need to deposit a check, use mobile deposit through your app if available, or deposit it at an ATM if your bank offers that service. For wire transfers or other transactions that require a person, complete them before the holiday.

If you are expecting a refund, payment, or transfer to arrive on or around a holiday, remember that banks do not process transactions on federal holidays. A transfer that would normally arrive on a Monday may not arrive until Tuesday if Monday is a holiday. Check your bank's website for their specific processing timeline.

Frequently Asked Questions

Do all banks close on the same federal holidays?

Most major banks close on the same 11 federal holidays, but some banks and credit unions close on additional days. Check your specific bank's website to be certain. Online banks without physical branches do not close, though their customer service may have reduced hours.

Can I use my debit card if my bank is closed?

Yes. Your debit card works at any ATM and any merchant that accepts cards, regardless of whether your bank's branch is open. You can also use your card to pay bills online or through your mobile app.

Will my direct deposit arrive if the bank is closed?

Direct deposits are processed by the Federal Reserve, not by individual banks, so they are deposited into your account even if your bank's branch is closed. The money appears in your account on the scheduled date, though you may not be able to withdraw it until the next business day if the bank is closed.

What if I need to deposit a check on a holiday and my bank does not have mobile deposit?

Some banks allow check deposits at ATMs. If your bank does not offer mobile deposit or ATM deposits, you will need to wait until the next business day to visit a branch. There is no way around this without using a different bank's service.

Do online banks close on holidays?

Online banks do not have physical branches, so they do not close. You can transfer money, pay bills, and manage your account 24/7. However, customer service phone lines may have reduced hours or longer wait times on federal holidays.