How to learn about this Monday is a holiday

The fastest way is to check the U.S. Federal Reserve's official holiday calendar or your bank's website directly. Federal holidays and bank holidays are not always the same thing — your bank may close on days the federal government does not, or stay open on federal holidays. A single phone call to your bank's customer service line will tell you whether your specific branch is open Monday.

If you need to know right now, text your bank's customer service number (usually on the back of your card) or log into your online banking app — most show branch hours for the next seven days. The Federal Reserve publishes its holiday schedule each year on its website, but that only tells you when the Fed itself is closed, not when your local branch will be.

Key Takeaways

  • Federal holidays and bank holidays are different — the Fed may be closed while your bank is open, or vice versa.
  • Your bank's website or app shows Monday's hours in real time, which is faster and more accurate than any calendar.
  • If you cannot reach your bank online, call the customer service number on your debit or credit card.
  • Banks that close on a federal holiday usually reopen the next business day, and any transactions you submit will process then.

The difference between federal holidays and bank holidays

A federal holiday is a day the U.S. government observes — the post office closes, federal offices close, and the Federal Reserve does not process transactions. But your bank is a private business and can choose whether to close. Many banks do close on major federal holidays like Christmas, Thanksgiving, and New Year's Day, but not all of them do, and some close on days the federal government does not.

A bank holiday is whatever day your specific bank decides to close. Some banks stay open on federal holidays to serve customers who need access. Others close on days like Presidents' Day or Veterans Day even though the federal government is open. The only way to know what your bank does is to check with them directly.

Where to check your bank's Monday hours

Start with your bank's website. Most banks post branch hours for the next two weeks, and you can search by your location or branch number. If you use online banking, log in and look for a "branch locator" or "hours" section — it will show whether your specific branch is open Monday.

If you cannot find it online, call the number on the back of your debit card or credit card. Bank customer service can tell you in under a minute whether your branch is open and what time it closes. If you need to visit in person, ask whether Monday is a holiday for your branch specifically — some large banks keep certain locations open even when others close.

What happens if your bank is closed Monday

If your bank is closed, you can still use ATMs, mobile banking, and online transfers. Deposits made through an ATM or mobile app will process the next business day. Checks deposited through mobile deposit will clear on the next business day, not Monday. Wire transfers and other transactions you submit Monday will also process the next business day.

If you need cash and your bank is closed, you can withdraw from any ATM in your bank's network, or use an ATM from another bank (though you may pay a fee). If you need to speak to someone, most banks offer phone support on holidays, even if branches are closed.

Major federal holidays when banks often close

Banks most commonly close on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some also close on Presidents' Day, Martin Luther King Jr. Day, and Veterans Day. However, this varies by bank and by state — a few states observe holidays the federal government does not, and some banks honor those as well.

The safest approach is not to assume. Even if Monday is a major holiday, your bank may be open. Check before you count on visiting a branch or expect a transaction to process when ready.

If you need money and your bank is closed

Use your bank's ATM network to withdraw cash. If you need to deposit a check, use mobile deposit through your bank's app — it will process the next business day. If you need to transfer money to another account, use your bank's online or mobile banking platform; the transfer will go through the next business day.

If you need to speak to a representative, call your bank's customer service line. Most banks staff phone support on holidays even when branches are closed. If your issue is urgent and cannot wait until Tuesday, ask whether your bank offers emergency services or can connect you to a manager.

Frequently Asked Questions

Will my direct deposit process if Monday is a bank holiday?

Yes. Direct deposits are processed by the Federal Reserve's automated system, which runs on holidays. Your employer's payroll will deposit the money on the scheduled day, and it will appear in your account by the next morning, whether Monday is a holiday or not.

Can I use my debit card if my bank is closed Monday?

Yes. Your debit card works at any ATM and any merchant, regardless of whether your bank's branch is open. You can withdraw cash, make purchases, and check your balance anytime. Only in-person services at a branch require the branch to be open.

What if I need to deposit a check and my bank is closed?

Use mobile deposit through your bank's app. Take a photo of the front and back of the check, submit it through the app, and it will process the next business day. If your bank does not offer mobile deposit, the check will have to wait until Tuesday.

Do credit unions close on the same holidays as banks?

Not always. Credit unions set their own holiday schedules, which may differ from banks. Check your credit union's website or call their customer service line to find out whether they are open Monday.

If my bank is closed Monday, when will my bill payment go through?

If you schedule a bill payment for Monday through your bank's online banking, it will process the next business day (Tuesday). If the bill is due Monday, contact your biller directly to let them know the payment is coming Tuesday, or pay through the biller's website instead of your bank.