Most banks close on federal holidays, but some branches stay open depending on the holiday and your bank

Whether your bank is open on Monday depends on which Monday you mean. If it is a regular Monday, nearly all banks are open during standard business hours—usually 9 a.m. to 5 p.m., though some open earlier or close later. If Monday is a federal holiday like Presidents' Day, Memorial Day, Labor Day, or Martin Luther King Jr. Day, most bank branches will be closed, though ATMs and online banking stay available.

The federal holidays when banks close are: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday. If you need to deposit a check, withdraw cash, or speak to someone in person on a holiday Monday, you will need to plan ahead.

The safest way to know whether your specific bank is open is to call the branch directly or check your bank's website or app. Most banks list holiday hours prominently during the week before a holiday. Credit unions follow the same federal holiday schedule as banks, though a few may have different hours.

Key Takeaways

  • Federal holiday Mondays close most bank branches, but ATMs and online banking remain available all day.
  • Regular Mondays have normal bank hours, usually 9 a.m. to 5 p.m., though hours vary by branch and bank.
  • Call your bank or check its website or app to confirm Monday hours before you need to visit.
  • Deposits made at ATMs or through mobile banking on a holiday may not post until the next business day.
  • Wire transfers and bill payments can usually be started online on a holiday, but processing happens the next business day.

How to check your bank's Monday hours

The fastest way is to open your bank's mobile app and look for branch locator or hours information. Most apps show the hours for your nearest branch and let you search by location. If you do not have the app, go to your bank's website and search for "branch hours" or "holiday hours."

You can also call the branch directly. Have your branch address or routing number ready. The phone number is usually on your debit card, on your bank statements, or in a quick online search for "[Bank Name] near me."

If you are unsure whether Monday is a federal holiday, check the U.S. Office of Personnel Management website or search "federal holidays 2024" or "federal holidays 2025." That list is the one banks follow.

What you can do on a holiday Monday when branches are closed

ATMs work 24/7, so you can withdraw cash, deposit checks (if your ATM accepts deposits), and check your balance anytime. Deposits made at ATMs on a holiday typically post the next business day, not immediately.

Online banking and mobile apps work around the clock. You can transfer money between your own accounts, pay bills, set up automatic payments, and start wire transfers. However, the actual movement of money to another bank or person does not happen until the next business day. If you initiate a wire transfer on a holiday Monday, it will process on Tuesday.

If you need to deposit a physical check and your ATM does not accept mobile deposits, you will need to wait until Tuesday. Mobile check deposit through your bank's app is the fastest alternative if you have it.

When deposits and payments actually post after a holiday

Deposits made at ATMs or through mobile banking on a holiday Monday post on Tuesday, the next business day. Checks deposited in person at a branch on Tuesday may take one to three business days to clear, depending on the check amount and your bank's policy.

Bill payments and transfers you start online on Monday will process on Tuesday. If you are paying a bill that is due on Tuesday, starting the payment on Monday holiday will likely be too late—the payment will not reach the creditor until Wednesday. Plan ahead if a due date falls right after a holiday.

Wire transfers initiated on a holiday Monday will send on Tuesday. If you need money to move urgently and Monday is a holiday, consider whether Tuesday will be soon enough, or use a different method like a same-day transfer through a payment app.

Planning ahead for holiday Mondays

If you know a Monday is a federal holiday and you need cash, withdraw it on Friday. If you need to deposit a check, use mobile deposit on your phone on Monday, or deposit it at an ATM if your bank offers that service. If you need to pay a bill due on Tuesday, pay it on Friday instead.

For wire transfers or large transactions that require a person's help, call your bank on Friday to ask whether they can process it early or whether you should wait until Tuesday. Some banks have special holiday procedures for urgent transfers.

If you are expecting a direct deposit on a holiday Monday—such as a paycheck or tax refund—it will usually arrive on Tuesday instead. Check with your employer or the agency sending the deposit to confirm the exact timing.

What happens if you need help on a holiday Monday

Most banks offer phone support on federal holidays, though wait times are often longer. Check your bank's website for the holiday customer service number, which may be different from the regular branch line. Some banks also offer chat support through their app or website.

If your issue is urgent—such as a fraudulent charge or a locked account—call the number on the back of your debit card. That line usually has staff available on holidays for security issues.

For non-urgent questions, email your bank or send a message through the app on Monday, and expect a response on Tuesday. Many banks respond to messages within 24 business hours.

Frequently Asked Questions

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

Only if your bank's ATMs accept check deposits. Not all do. If yours does, the check will post on Tuesday. Mobile deposit through your bank's app is faster and works on any day, including holidays.

Will my direct deposit arrive on a holiday Monday?

No. Direct deposits scheduled for a holiday Monday will arrive on Tuesday instead. This includes paychecks, tax refunds, and government payments. Contact the sender if you need to confirm the exact timing.

Can I transfer money between banks on a holiday Monday?

You can start the transfer online on Monday, but it will not actually move until Tuesday. If the receiving bank is different from yours, it may take an additional day to arrive.

What if I need cash and the ATM is out of money on a holiday?

ATMs can run out of cash during busy holiday weekends. If yours is empty, find another ATM nearby using your bank's app or a search for ATMs in your area. Branches are closed, so you cannot get cash from a teller.

Do credit unions follow the same holiday schedule as banks?

Most do, but some credit unions may have different hours or close on different days. Call your credit union or check its website to confirm whether it is open on the Monday you need.