The fastest way to know if tomorrow is a bank holiday

The U.S. Federal Reserve publishes the official list of bank holidays each year on its website. Go to federalreserve.gov, search for "holiday schedule," and you will see the exact dates when banks close. Tomorrow's status appears there before any other source updates it.

If you need to know right now, the Federal Reserve's holiday calendar shows closures for the current and next calendar year. Banks observe the same nine federal holidays every year, plus occasional special closures announced by individual institutions. The date does not change year to year — if tomorrow is, say, Veterans Day, it is a bank holiday this year and every year.

Your own bank may also close on state holidays or observances that federal banks do not. Check your bank's website or call the customer service number on the back of your card. They can tell you whether their branches are open tomorrow, regardless of federal status.

Key Takeaways

  • The Federal Reserve's official holiday schedule at federalreserve.gov shows which days banks close each year.
  • Nine federal holidays are observed the same way every year: New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Your specific bank may close on additional state holidays or observances, so checking directly with them gives you the most accurate answer.
  • If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead — usually Friday if the holiday is Saturday, Monday if it is Sunday.

The nine federal bank holidays that repeat every year

Banks close on the same nine days annually. New Year's Day falls on January 1. Martin Luther King Jr. Day is the third Monday in January. Presidents' Day is the third Monday in February. Memorial Day is the last Monday in May. Juneteenth National Independence Day is June 19. Independence Day is July 4. Labor Day is the first Monday in September. Thanksgiving is the fourth Thursday in November. Christmas is December 25.

These dates do not move. If you know the calendar, you can predict bank closures years in advance. The only variation is what happens when a holiday lands on Saturday or Sunday — the Federal Reserve observes it on the nearest weekday instead, usually Friday for Saturday holidays and Monday for Sunday holidays.

When your bank closes but the Federal Reserve does not

Individual banks sometimes close on days the Federal Reserve stays open. State holidays, religious observances, and local events can trigger branch closures that do not affect the federal banking system. A bank in Massachusetts might close on Evacuation Day (March 17) while banks in other states remain open. A bank in Hawaii closes on Statehood Day (August 21).

The only way to know whether your bank is closed tomorrow is to contact them directly. Call the number on your debit card, visit their website, or use their mobile app — most banks show branch hours and holiday schedules there. Some banks also send email or text alerts about upcoming closures.

What happens if you need banking services on a holiday

ATMs and online banking work on bank holidays. You can withdraw cash, check balances, transfer money between your own accounts, and pay bills through your bank's website or app. The only services that stop are those requiring a person — speaking to a representative, depositing a check at a teller window, or visiting a branch.

If you need to deposit a check on a holiday, most banks accept mobile deposits through their app. You photograph the front and back of the check and submit it. The deposit posts to your account, though the funds may not be available until the next business day. Wire transfers and ACH transfers initiated on a holiday usually process the next business day instead.

How to plan ahead for upcoming bank holidays

The Federal Reserve publishes its holiday schedule for the current year and the next year at the same time, usually in November. This means you can see which days banks will close for the next 14 months. If you know you will need to deposit a check or visit a branch, check the calendar first and plan for the day before or after.

Payroll and bill payments scheduled for a bank holiday typically process on the next business day instead. If you set up an automatic payment for the 25th of the month and the 25th is Christmas, the payment usually goes through on December 26. Confirm this with your bank or the company receiving the payment — timing varies by institution.

Frequently Asked Questions

Do all banks close on the same days?

Federal banks close on the nine federal holidays every year. Individual banks may also close on state holidays or observances, so your bank might be closed when others are open. Contact your bank directly to confirm whether they are open tomorrow.

What if a holiday falls on a weekend?

The Federal Reserve observes the holiday on the nearest weekday — usually Friday if the holiday is Saturday, Monday if it is Sunday. Your bank follows the same rule, though some state holidays may be observed on different days depending on state law.

Can I use my debit card or ATM on a bank holiday?

Yes. ATMs work 24/7 on holidays, and you can use your debit card at any merchant. Online banking and mobile apps also work. The only services that stop are those requiring a bank employee, like speaking to a representative or depositing a check at a teller window.

When do deposits posted on a bank holiday actually clear?

Deposits made through mobile deposit or ATM on a holiday are recorded that day, but the funds usually do not become available until the next business day. Wire transfers and ACH transfers initiated on a holiday process the next business day instead of when ready.

Where can I find my bank's specific holiday schedule?

Visit your bank's website and search for "holiday hours" or "branch hours," or call the customer service number on your debit card. Most banks list their closures for the full year. You can also ask at a branch in person.