Most banks are closed on Mondays only when a federal holiday falls on that day

Banks do not close every Monday. They close on federal holidays, and if a federal holiday lands on Monday, your bank will be closed that day. The most common Monday closures happen on Presidents' Day (third Monday in February), Memorial Day (last Monday in May), and Labor Day (first Monday in September).

If Monday is a regular business day with no federal holiday, your bank will be open during normal hours. The specific hours vary by bank and branch — some open at 8 or 9 a.m., others at 10 a.m., and closing times range from 4 to 6 p.m. on weekdays.

If you are unsure whether your bank is closed on a specific Monday, call the branch directly or check your bank's website. Most banks list their holiday schedule online, and you can also search "federal holidays 2024" or "federal holidays 2025" to see which Mondays fall on observed holidays.

Key Takeaways

  • Banks close on federal holidays; if the holiday is Monday, the bank is closed that day.
  • Presidents' Day, Memorial Day, and Labor Day are the three federal holidays most likely to fall on Monday and close banks.
  • Regular Mondays with no federal holiday mean banks operate on their standard weekday schedule.
  • You can confirm your bank's closure by calling the branch, checking the bank's website, or looking up the federal holiday calendar.
  • ATMs and mobile banking remain available even when the physical branch is closed.

Federal holidays that typically close banks on Monday

The federal holidays that most often land on Monday are Presidents' Day, Memorial Day, and Labor Day. These three holidays account for most Monday bank closures throughout the year. Presidents' Day occurs on the third Monday of February, Memorial Day on the last Monday of May, and Labor Day on the first Monday of September — so these dates are may provide to be Mondays.

Other federal holidays can fall on Monday but do so less predictably. New Year's Day (January 1), Independence Day (July 4), Thanksgiving (fourth Thursday in November), and Christmas (December 25) move around the calendar each year. When any of these land on Monday, banks close. Martin Luther King Jr. Day (third Monday in January) always falls on Monday, so banks close every January on that date.

Some banks also observe additional holidays beyond the federal list — particularly banks in specific states or regions. For example, some banks in the South observe Confederate Memorial Day, and banks in Hawaii may observe additional state holidays. Check with your specific bank to see if it observes holidays beyond the standard federal list.

What remains open when banks are closed on Monday

ATMs stay open 24/7 even when the bank building is closed. You can withdraw cash, check your balance, and deposit checks at ATMs on any Monday, including federal holidays. Mobile banking apps and online banking platforms also work around the clock — you can transfer money, pay bills, and check your account from your phone or computer.

Wire transfers and ACH transfers initiated through online banking may process on the holiday itself or may wait until the next business day, depending on your bank and the time you submit the request. If you need a wire to go out on a specific day, submit it before the holiday closes. Some banks allow you to schedule transfers in advance so they process on the first business day after the holiday.

If you need to speak with a person at the bank on a Monday holiday, you will have to wait until Tuesday. Most banks do not staff branches on federal holidays, and their phone lines either close or route to a limited menu of automated services.

How to learn about your specific bank is closed

The fastest way is to call your bank's main customer service line or your local branch directly. The phone system will tell you if the branch is closed, and you can ask about holiday hours for the rest of the year. Most banks have this information recorded in their phone menu.

Visit your bank's website and look for "holiday hours" or "branch hours." Most major banks publish their full holiday schedule online, often in a table or calendar format. If you cannot find it on the main page, search the site for "holidays" or "2024 holiday schedule" (or the current year).

If your bank is a large national chain like Bank of America, Chase, Wells Fargo, or Citibank, you can also search the bank's name plus "holiday hours" to find the official schedule. Local and regional banks usually post this information on their website as well, though smaller banks may require a phone call to confirm.

Planning around Monday bank closures

If you need to deposit a check or handle a transaction that requires a teller, do it before the holiday. Checks deposited at an ATM on a Monday holiday will process the next business day, but if you need the funds immediately, deposit before the bank closes for the holiday.

For bill payments and transfers, use online banking or mobile apps. These work on holidays and let you schedule payments in advance. If you are paying a bill that is due on a Monday holiday, submit the payment the Friday before so it reaches the recipient on time.

If you have a time-sensitive financial need on a Monday holiday, call your bank on Friday to ask what options are available. Some banks can handle certain transactions over the phone or through their app, and knowing this in advance saves frustration.

Frequently Asked Questions

Will my bank be open on Presidents' Day?

No. Presidents' Day is a federal holiday observed on the third Monday of February, and banks are closed that day. ATMs and online banking remain available. If you need to handle banking in person, visit on Friday before the holiday or Tuesday after.

Can I deposit a check at an ATM on a Monday holiday?

Yes. ATMs operate 24/7, including on federal holidays. Checks deposited at an ATM on a Monday holiday will process the next business day, which is usually Tuesday. If you need the funds to clear faster, deposit before the holiday.

Do all banks close on the same federal holidays?

Most banks close on the same federal holidays, but some regional and local banks observe additional state or regional holidays. Call your bank to confirm which holidays it observes. The 11 standard federal holidays apply to most banks nationwide.

Can I transfer money on a Monday holiday?

Yes, through online banking or mobile apps. Transfers initiated on a Monday holiday may process that day or the next business day depending on the type of transfer and your bank's processing schedule. Wire transfers submitted after business hours typically process the next business day.

What if I need to speak to someone at the bank on a Monday holiday?

You will need to wait until Tuesday. Banks do not staff branches on federal holidays, and customer service phone lines are typically closed or offer only automated options. Call on Friday to handle urgent questions before the holiday.