Most banks will be open Monday, but federal holidays and local emergencies can close them

Whether your bank is open Monday depends on three things: whether it is a federal holiday, whether your bank observes that holiday, and whether your specific branch has a local closure. The vast majority of Mondays, banks operate on their regular schedule — typically 9 a.m. to 5 p.m. on weekdays, though hours vary by branch and bank. If Monday is a federal holiday that your bank observes, the branch will be closed and you will not be able to visit in person or use the drive-through.

The easiest way to know for certain is to check your bank's website or call your branch directly. Most banks post holiday schedules weeks in advance, and a five-minute call to your local branch will give you a definitive answer. If you need to deposit a check or withdraw cash and the branch is closed, you can use an ATM, mobile deposit, or wait until Tuesday.

Key Takeaways

  • Federal holidays when most banks close include New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Not all banks observe every federal holiday, and some regional banks have different closure schedules than national chains.
  • Your specific branch may close for local reasons — weather, staffing, or building maintenance — even if the bank is normally open.
  • ATMs, mobile deposit, and online banking work on holidays when branches are closed, so you have options if you need to move money.
  • Calling your branch or checking the bank's website is the only reliable way to confirm Monday's status.

Federal holidays when banks typically close

Banks observe the following federal holidays and close their branches on these days: 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), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Independence Day falls on a Saturday, many banks close on Friday. If it falls on a Sunday, they close on Monday. However, this varies by bank — some follow the federal rule strictly, while others may stay open or close on a different day.

Not every bank closes for every federal holiday. Some smaller regional banks or credit unions may stay open on Columbus Day or Veterans Day, while national chains like Bank of America, Wells Fargo, and Chase close on all federal holidays. Check with your specific bank rather than assuming.

How to learn about your branch is open Monday

The fastest method is to visit your bank's website and look for a holiday schedule or branch locator. Most major banks list their hours and any upcoming closures on the homepage or in a dedicated section. You can search for your specific branch by address or ZIP code, and the page will show whether it is open Monday and what the hours are.

If the website does not have clear information, call your branch directly. The phone number is on your debit card, your bank statements, or a quick online search. A staff member can tell you in seconds whether Monday is a holiday closure or a regular business day. This is especially important if you have a time-sensitive transaction or need to speak with someone about your account.

If you bank with a credit union, the same approach works — check the website or call the branch. Credit unions sometimes have different holiday schedules than banks, so do not assume they follow the same calendar.

What to do if your bank is closed Monday

If the branch is closed but you need to deposit a check, use mobile deposit through your bank's app. Most banks let you photograph the front and back of a check and submit it from your phone. The deposit usually posts within one business day, sometimes the same day depending on the time you submit it and your bank's processing schedule.

If you need cash, use an ATM. ATMs work 24/7 regardless of whether the branch is open, as long as you have your debit card and PIN. You can withdraw up to your daily limit, which varies by bank but is often $500 to $1,000.

If you need to speak with someone at the bank — to dispute a charge, ask about a loan, or resolve an account issue — call the customer service number on the back of your debit card. Most banks have a phone line open on holidays, though wait times may be longer. You can also use online banking to transfer money between accounts, pay bills, or check your balance.

Banks that may have different Monday hours or closures

Large national banks like Chase, Bank of America, Wells Fargo, and Citibank follow the federal holiday schedule closely and close on all major federal holidays. However, some smaller or regional banks have their own policies. Community banks and credit unions sometimes stay open on holidays that national banks close, or they may close on different days.

Some banks also reduce hours on certain days — for example, opening at 10 a.m. instead of 9 a.m., or closing at 4 p.m. instead of 5 p.m. This is less common but does happen, especially at smaller branches. The only way to know your bank's exact Monday schedule is to check directly.

Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no "open" or "closed" in the traditional sense. You can access your account and move money anytime, though customer service phone lines may have reduced staffing on holidays.

What happens if you need to deposit or withdraw on a holiday

If Monday is a holiday and you need to deposit a check, mobile deposit is your best option. Take a photo of the front and back of the check using your bank's app, and submit it. The funds will be available within one to two business days. Some banks post mobile deposits the same day if you submit before a certain time (often 2 p.m. or 5 p.m.), but this varies.

If you need to withdraw cash, an ATM is available 24/7. If you need more cash than your daily ATM limit allows, you will have to wait until Tuesday when the branch reopens. If this is urgent, you can visit an ATM at a different bank — many banks are part of shared ATM networks that let you withdraw from other banks' machines, though you may pay a fee ($2 to $3 is typical).

If you need to deposit cash (not a check), you will need to wait for the branch to reopen or find a bank that is open Monday. Some banks have limited Sunday hours or holiday hours at certain locations, so it is worth calling around if the deposit is time-sensitive.

Frequently Asked Questions

Is my bank open this coming Monday?

Check your bank's website for a holiday schedule, or call your branch directly. The phone number is on your debit card or online. Most banks are open on regular Mondays unless it is a federal holiday they observe.

Can I use my ATM on a holiday when the branch is closed?

Yes. ATMs work 24/7 regardless of branch hours. You can withdraw cash, check your balance, and transfer money between your own accounts anytime, as long as you have your debit card and PIN.

What if I need to deposit a check on Monday and the bank is closed?

Use mobile deposit through your bank's app. Photograph the front and back of the check and submit it. The deposit usually posts within one business day. This works on holidays, weekends, and any time the branch is closed.

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 have different schedules. Check with your specific bank rather than assuming. Online-only banks do not have branch closures.

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

Call the customer service number on the back of your debit card. Most banks have phone support on holidays, though wait times may be longer. You can also use online banking or the mobile app to handle many transactions without speaking to anyone.