Most banks are open on Mondays, but some branches close for federal holidays that fall on Monday

Banks operate on Monday under normal hours in most cases. However, if Monday is a federal holiday—such as Martin Luther King Jr. Day, Presidents' Day, or Memorial Day—many banks will be closed that day. The closure depends on which holiday falls on Monday and whether your specific bank observes it.

If you need to know whether your bank is closed on a particular Monday, the fastest way is to call your branch directly or check your bank's website. Most banks post holiday schedules online by the start of the year, and you can also find federal holiday dates on the U.S. Office of Personnel Management website.

Key Takeaways

  • Banks close on federal holidays that fall on Monday, including Martin Luther King Jr. Day, Presidents' Day, and Memorial Day, but remain open on regular Mondays.
  • Your specific bank's holiday schedule may differ slightly, so checking your branch's website or calling ahead is the most reliable way to confirm.
  • Even if your local branch is closed, you can often use ATMs, mobile banking, and online transfers on holiday Mondays.
  • If you need to deposit a check or speak to a teller on a holiday Monday, plan to do so the Friday before or Tuesday after instead.

Federal holidays that close banks on Monday

The federal holidays most likely to fall on Monday and close banks are 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), Independence Day (July 4, though it shifts if it falls on a weekend), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11, though it shifts if it falls on a weekend), Thanksgiving (fourth Thursday in November, though banks may close Friday), and Christmas (December 25).

Not every bank closes on every federal holiday. Some banks remain open on certain holidays, particularly smaller regional banks or credit unions. Your bank's specific policy depends on its corporate rules and state regulations. The safest approach is to check your bank's website or call your branch before you need to visit on a Monday that might be a holiday.

How to check if your bank is closed on a specific Monday

Visit your bank's official website and look for a "Holiday Hours" or "Branch Hours" section. Most banks publish their full-year holiday schedule there. You can also search for your bank's name plus "holiday hours" to find this information quickly.

If you cannot find the schedule online, call your branch directly. The phone line will usually state whether the branch is closed and when it will reopen. You can also use your bank's mobile app—many apps display branch hours and holiday closures in real time.

What you can still do when your bank is closed on Monday

ATMs remain available 24/7, even when your bank is closed. You can withdraw cash, deposit checks (if your ATM has a check deposit feature), and check your balance at any time on a holiday Monday.

Mobile banking and online transfers work on holidays. You can send money to another account, pay bills, and move funds between your own accounts through your bank's app or website. Transfers initiated on a holiday may not process until the next business day, but you can still start them.

If you need to speak with a customer service representative, many banks offer phone support on holidays, though wait times may be longer. Check your bank's website for holiday customer service hours before you call.

Planning ahead for holiday Mondays

If you know you will need to visit your branch on a Monday that is a federal holiday, plan to go the Friday before or the Tuesday after instead. This avoids the closure entirely and usually means shorter wait times since you are not competing with everyone else who also waited until the last minute.

If you need to deposit a physical check or handle a transaction that requires a teller, do not wait until a holiday Monday. Deposit checks on Friday, or use mobile check deposit if your bank offers it. For wire transfers or other time-sensitive transactions, complete them before the holiday.

State and regional variations in bank holiday closures

Some states observe additional holidays beyond the federal list. For example, some Southern states observe Confederate Memorial Day, and some states have their own unique holidays. Banks in those states may close on those days even though they are not federal holidays.

Credit unions sometimes follow different holiday schedules than national banks. If you bank with a credit union, check its specific holiday calendar, as it may differ from the federal schedule.

Frequently Asked Questions

Will my bank be closed on Presidents' Day Monday?

Most major banks close on Presidents' Day, which falls on the third Monday in February. However, some smaller banks and credit unions may remain open. Check your bank's website or call your branch to confirm, since policies vary by institution.

Can I deposit a check on a holiday Monday if the bank is closed?

If your bank has a mobile check deposit feature in its app, you can deposit checks on a holiday Monday. If not, use an ATM with check deposit capability if your bank offers it. Otherwise, deposit the check on Friday or Tuesday instead.

Will ATMs work if the bank is closed on Monday?

Yes. ATMs operate 24/7 regardless of whether the bank branch is open. You can withdraw cash, deposit checks (if your ATM supports it), and check your balance on any holiday Monday.

What if I need to wire money on a holiday Monday?

Wire transfers initiated on a holiday Monday will not process until the next business day. If the transfer is time-sensitive, initiate it on Friday instead. Some banks allow you to schedule transfers in advance through their online banking platform.

Do all banks close on the same federal holidays?

Most national banks close on the same federal holidays, but some regional banks and credit unions may have different schedules. A few banks remain open on certain holidays. Always check your specific bank's holiday schedule rather than assuming it matches another bank's.