Most banks will be open on December 26, 2025
December 26 is not a federal holiday in the United States, so banks will operate on their normal Friday schedule. The day after Christmas is not observed as a bank holiday at the federal level, even though some other countries recognize Boxing Day on December 26.
However, some individual banks may choose to close or have reduced hours if they observe the day as a company holiday. This depends entirely on the bank's internal policy. Your best move is to check with your specific bank directly rather than assume standard hours.
If you need to do banking on December 26, call your bank's customer service line or check their website for holiday hours. Most banks post their holiday schedule in November or early December, and you can usually find it under a "Holiday Hours" or "Branch Locator" section.
Key Takeaways
- December 26, 2025 is a regular business day for federal purposes, so most banks will be open.
- Individual banks may close or reduce hours based on their own holiday policies, so you need to check with your bank directly.
- Bank websites and customer service lines publish holiday schedules by early December each year.
- If you need banking services on December 26, verify your branch's hours before that date rather than waiting until the day itself.
Federal holidays that actually close banks
The Federal Reserve recognizes a specific list of holidays when banks close nationwide. These include 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.
December 26 does not appear on this list. When Christmas falls on a weekday, banks close on that day. When Christmas falls on a weekend, banks close on the nearest weekday (usually the following Monday). But the day after Christmas has no federal status.
How to find your bank's specific holiday schedule
Most banks publish their complete holiday schedule on their website by early December. Look for a link labeled "Holiday Hours," "Branch Hours," "Locations," or "Customer Service." Some banks also send notifications through their mobile app or email.
If you cannot find the schedule online, call your bank's main customer service number or visit your local branch in person. Ask specifically about December 26, 2025. Many banks will tell you over the phone whether that particular branch will be open and what hours it will keep.
If you bank with a large national chain, the main branches in major cities are more likely to stay open on non-federal holidays than smaller branches in rural areas. Some banks keep their downtown locations open even when suburban branches close.
What to do if you need banking on December 26
If your bank is closed on December 26 but you need to handle banking, you have several options. Most banks offer 24/7 online banking through their website or mobile app, so you can transfer money, pay bills, or check balances without visiting a branch.
ATMs remain available even when branches are closed, so you can withdraw cash or deposit checks at any ATM your bank operates. Some banks charge fees for out-of-network ATM use, so stick with your bank's machines if possible.
If you need to speak with a person, many banks staff their phone lines on non-federal holidays, even if branches are closed. Customer service representatives can help with account questions, fraud reports, or other issues that require human assistance.
Planning ahead for the holiday week
The week between Christmas and New Year's is busy for banks because many people are off work and trying to handle financial tasks. If you know you need to visit a branch during this time, go early in the week rather than waiting until December 26 or later.
December 25 (Christmas) will be closed at all banks. December 24 (Christmas Eve) will be open but may have reduced hours or longer lines. If you can handle your banking before December 24, you will avoid the holiday rush entirely.
If you have checks to deposit or documents to sign, do not wait until the last business day before the holiday. Banks process items more slowly during holiday weeks, and anything you submit on December 24 may not post until after the New Year.
Frequently Asked Questions
Will ATMs work on December 26, 2025?
Yes. ATMs operate 24/7 regardless of whether the bank branch is open. You can withdraw cash, deposit checks, and check your balance on December 26 using your bank's ATM network.
Can I do online banking on December 26?
Yes. Online banking through your bank's website or mobile app works every day, including December 26. You can transfer money, pay bills, and manage your account without any branch being open.
What if I need to speak to someone at my bank on December 26?
Call your bank's customer service line. Many banks staff phone support on non-federal holidays even when branches are closed. Check your bank's website for the customer service number and holiday hours.
Do credit unions close on December 26?
Credit unions follow their own holiday schedules, which may differ from banks. Some close on December 26 as a company holiday, others stay open. Contact your credit union directly to confirm their hours for that date.
What about banks that are open 24 hours?
Some banks operate 24-hour branches in major cities, but this is rare. Even if your bank has a 24-hour location, call ahead to confirm it will be staffed on December 26, as holiday schedules can affect staffing even at normally round-the-clock branches.