Most banks are open on regular Mondays, but closed on federal holidays that fall on Monday

If Monday is a regular business day, your bank will be open during its normal hours — typically 9 a.m. to 5 p.m., though some branches open earlier or stay open later. If Monday is a federal holiday like Martin Luther King Jr. Day, Presidents' Day, or Memorial Day, your bank will be closed and you will not be able to visit a branch or speak to a teller.

The easiest way to know for certain is to check your bank's website or call the specific branch you plan to visit. Most banks list their holiday schedule online, and a quick search for "[Your Bank Name] holiday hours" will show you whether that Monday is a banking day or not.

If you need to handle banking on a Monday when branches are closed, you have options that do not require a teller or a physical location.

Key Takeaways

  • Regular Mondays are normal banking days; federal holiday Mondays mean all bank branches are closed.
  • Your bank's website or a phone call to your branch will confirm whether a specific Monday is open or closed.
  • ATMs work on federal holidays, so you can withdraw cash or check your balance even when branches are closed.
  • Online banking, mobile apps, and bill pay all work on holidays, and transactions posted on a holiday usually clear the next business day.
  • If you need to deposit a check on a holiday Monday, use mobile deposit through your bank's app or wait until Tuesday.

What you can do on a closed Monday without visiting a branch

ATMs are open 24/7, even on federal holidays. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between accounts, and check your balance without waiting for the branch to reopen.

Online banking and mobile apps work on holidays just as they do on regular days. You can pay bills, transfer money, send wire transfers, deposit checks by phone camera (mobile deposit), and review your account. Transactions you initiate on a holiday Monday will usually process the next business day — Tuesday — because the banking system itself does not settle transactions on federal holidays.

If you have a time-sensitive payment due on a holiday Monday, initiate it before the holiday closes. Most banks treat a payment sent on a holiday as if it arrived on the next business day, which means it may be late if the due date is that Monday.

Federal holidays when banks close on Monday

Banks close on these federal holidays when they fall on a Monday:

  • 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, or the observed date if it falls on a weekend)
  • Labor Day (first Monday in September)
  • Columbus Day (second Monday in October)
  • Veterans Day (November 11, or the observed date)
  • Thanksgiving Day (fourth Thursday in November)
  • Christmas Day (December 25)

Some banks also close on Good Friday, though it is not a federal holiday. A few banks close on additional state holidays depending on where they are headquartered or where the branch is located. Check your bank's specific holiday calendar to be sure.

How to find your bank's Monday hours

Visit your bank's official website and search for "holiday hours" or "branch hours." Most banks display a full calendar of closures. You can also call your specific branch directly — the phone number is usually on the website or on your debit card.

If you use a credit union instead of a bank, the same rule applies: most close on federal holidays, but you can still use ATMs and online services. Credit unions sometimes have different holiday schedules than banks, so check your credit union's website.

For online-only banks (like Ally, Charles Schwab, or Discover), there are no physical branches to close, but their customer service phone lines may be closed on federal holidays. You can still use the app and website to handle your account.

What to do if you need cash or a deposit on a holiday Monday

If you need cash, use an ATM. Most ATMs accept deposits as well, though some only dispense cash. Check whether your bank's ATMs have a deposit slot before you rely on this.

If you need to deposit a check and your ATM does not have a deposit slot, use mobile deposit through your bank's app. Take a photo of the front and back of the check, and the bank will credit it to your account. The funds usually appear within one to two business days, so a deposit made on a holiday Monday will typically show up by Wednesday.

If you need to make a payment that is due on a holiday Monday, pay it before the holiday. Payments sent on a holiday are treated as received on the next business day, which means they will be late.

When your bank might be open on a Monday even though it is a federal holiday

Some banks stay open on certain federal holidays, particularly if the holiday is not widely observed or if the bank is in a state that does not recognize it. This is rare, but it happens. A few banks also open for limited hours on some holidays.

The only way to know is to check your specific bank's schedule. Do not assume a bank is open just because it is a federal holiday that some businesses observe. Call ahead or check the website.

Frequently Asked Questions

Can I use my debit card on a Monday when the bank is closed?

Yes. Your debit card works at ATMs and stores on federal holidays. You can withdraw cash, check your balance, and make purchases. Only in-person services at the branch — like speaking to a teller or opening a new account — require the branch to be open.

Will a check I deposit on a holiday Monday clear the same day?

No. Checks deposited on a federal holiday Monday will not clear until at least Wednesday, because the banking system does not process transactions on holidays. Mobile deposit and ATM deposits follow the same timeline.

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

Call the bank's customer service line, which may or may not be staffed on federal holidays. Many banks keep phone support open even when branches are closed, but some do not. Check your bank's website for holiday customer service hours, or try calling and listen to the automated message.

Do online banks close on federal holidays?

Online-only banks do not have branches to close, so you can access your account and use the app anytime. Customer service phone lines may have reduced hours or be closed, but your account itself remains accessible.

If Monday is a holiday, when will my bill payment go through?

A bill payment you send on a holiday Monday will process on Tuesday, the next business day. If your bill is due on that Monday, the payment will likely be late. Always send payments before a holiday if the due date falls on or near the holiday.