Which holidays close U.S. banks in 2025
U.S. banks observe 11 federal holidays each year, and all of them close on those days. In 2025, those dates are: New Year's Day (January 1), Martin Luther King Jr. Day (January 20), Presidents' Day (February 17), Memorial Day (May 26), Juneteenth (June 19), Independence Day (July 4), Labor Day (September 1), Columbus Day (October 13), Veterans Day (November 11), Thanksgiving (November 27), and Christmas (December 25).
Banks close their physical branches on these dates, meaning you cannot visit a teller, use a safe deposit box, or conduct in-person business. However, ATMs remain available 24/7 on federal holidays, and online banking—transfers, bill pay, account checks—continues to work normally.
Some banks also close on additional state or regional holidays depending on where they operate. For example, banks in Texas may close on Texas Independence Day (March 2), and banks in some Southern states may observe Confederate Memorial Day. Check with your specific bank if you need to know about holidays beyond the federal list.
Key Takeaways
- All U.S. banks close on the 11 federal holidays, but ATMs and online banking remain open on those days.
- In 2025, the federal holidays that close banks are January 1, January 20, February 17, May 26, June 19, July 4, September 1, October 13, November 11, November 27, and December 25.
- Some banks close on additional state holidays depending on their location, so contact your bank directly if you need to confirm a specific date.
- If you need cash or to move money on a holiday, use your ATM or log into online banking instead of visiting a branch.
How bank closures affect deposits and transfers
When you deposit a check or initiate a transfer on a federal holiday, the transaction does not process until the next business day. For example, if you deposit a check on Thanksgiving (November 27, 2025), the bank will not begin processing it until Friday, November 28. This delay can affect when funds appear in your account and when you can withdraw them.
Wire transfers initiated on a holiday are also held until the next business day. ACH transfers (like moving money between your own accounts or paying a bill through your bank's bill-pay system) may show as pending on the holiday but will not clear until the following day.
If you need funds urgently around a holiday, plan ahead. Deposit checks or initiate transfers before the holiday closes, or use your ATM to withdraw cash in advance.
What stays open on bank holidays
ATMs operate continuously on federal holidays—you can withdraw cash, check your balance, and deposit checks at ATM envelopes 24 hours a day. Online banking portals and mobile apps work normally, so you can transfer money between your own accounts, pay bills, and monitor transactions from home.
Credit unions may have different holiday schedules than banks. Some credit unions close on the same federal holidays as banks, but others may have their own observance calendar. Call your credit union before a holiday if you need to confirm whether they will be open.
If you bank with an online-only bank (like Ally, Charles Schwab, or Discover), you typically have no branch closures because there are no physical locations. However, customer service phone lines may have reduced hours or be closed on federal holidays, so check your bank's website for holiday hours.
Planning around the 2025 holiday schedule
Several holidays in 2025 fall on or near weekends, which compounds the closure period. For instance, New Year's Day is on Wednesday, January 1, so banks close that day only. However, Christmas falls on Thursday, December 25, so banks close Thursday and Friday (December 26 is not a federal holiday, but many banks close the day after Christmas anyway—confirm with your bank). Independence Day is on Friday, July 4, so banks close that day and reopen Monday, July 7.
If you have bills due around a holiday or need to move money, submit payments or transfers at least one business day before the holiday. For example, if you want funds to arrive by Thanksgiving, initiate the transfer by Wednesday, November 26.
Thanksgiving week (November 24–28, 2025) is particularly busy because many people travel and banks process high transaction volumes. If you need to conduct business that week, do it early in the week rather than waiting until Wednesday or Thursday.
How to find your bank's specific holiday hours
Most banks publish their holiday schedule on their website under "Hours" or "Locations." You can also call your bank's main customer service line or visit your local branch to ask which holidays they observe. Some banks close on holidays beyond the federal list, so it is worth confirming.
If you bank at a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, they observe all 11 federal holidays. Smaller regional banks or credit unions may have different schedules, so do not assume.
Save your bank's holiday schedule in your phone or calendar so you do not miss a deadline. Many banks send email reminders before major holidays, but you should not rely on that alone.
What to do if you need banking services on a holiday
Use your ATM to withdraw cash, deposit checks, or check your balance. ATMs work on all federal holidays and do not have reduced hours.
Log into your online banking portal or mobile app to transfer money between accounts, pay bills, or review transactions. These services run 24/7 on holidays, though the actual processing of transfers may not begin until the next business day.
If you need to speak to a customer service representative, call your bank's main line. Many banks have reduced customer service hours on federal holidays, and some close their phone lines entirely. If you cannot reach anyone, your issue can usually wait until the next business day, or you can handle it through online banking.
Frequently Asked Questions
Will my check deposit clear faster if I deposit it before a holiday?
Yes. If you deposit a check on the last business day before a holiday, processing begins the next day. If you deposit it on the holiday itself, processing does not begin until the day after the holiday. Checks typically take one to three business days to clear after processing begins, so depositing early can speed up access to your funds.
Can I use my debit card on a bank holiday?
Yes. Your debit card works at ATMs and at stores on federal holidays. You can also use it to make online purchases. The only limitation is that you cannot visit a bank branch in person.
Do credit card payments process on bank holidays?
Credit card payments submitted online or through your bank's bill-pay system on a holiday are typically held and processed the next business day. If your payment due date falls on a holiday, submit it at least one day early to avoid a late fee.
What if I need to access my safe deposit box on a holiday?
Safe deposit boxes are only accessible during branch hours, so you cannot access yours on a federal holiday. Plan ahead if you need documents or items from your box around a holiday date.
Are banks closed on the day after Christmas in 2025?
December 26, 2025 is not a federal holiday, so most banks are open. However, some banks close the day after Christmas as a courtesy to employees. Call your bank to confirm whether they will be open on December 26.