The fastest way to check is the Federal Reserve's calendar

The Federal Reserve publishes a list of days when U.S. banks close for federal holidays. You can see which days are coming up on their website at federalreserve.gov — look for "Holiday Schedule" in the search box. The list shows the exact date of each holiday and which day banks will actually be closed.

Today's status depends on what day it is. If today is one of the nine federal banking holidays, most banks will be closed and you won't be able to visit a branch or use ATMs that require a teller. If today is not on that list, banks are open during their normal hours.

The nine federal banking holidays when banks close are: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Some banks also close on the day after Thanksgiving, though this is not a federal holiday.

Key Takeaways

  • The Federal Reserve's website shows the exact dates when banks will be closed for federal holidays each year.
  • Nine federal holidays cause most banks to close their branches, though ATMs and online banking usually stay available.
  • When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead.
  • Some banks and credit unions may have different holiday schedules, so checking with your specific bank is the most reliable way to know.

What happens to your money on a bank holiday

Your money is still there and still safe. Bank holidays only close the physical branches where you can talk to a teller or deposit checks in person. Your online banking account, ATM access, and automatic payments all continue to work on a bank holiday.

Deposits you make on a bank holiday — whether through an ATM, mobile app, or mail — will be processed the next business day. If you need cash before the holiday, withdraw it the day before. If you need to move money between accounts, do it through your bank's app or website, which operates 24 hours a day.

When a holiday falls on a weekend

If a federal holiday lands on a Saturday or Sunday, banks close on the nearest weekday instead. For example, if Independence Day falls on a Saturday, banks close on Friday. If it falls on a Sunday, banks close on Monday. The Federal Reserve's calendar shows you which day the bank will actually be closed in these cases.

This matters because you might think a holiday is on Saturday but your bank will actually be closed on Friday. Always check the Federal Reserve calendar rather than assuming based on the holiday's official date.

How to find your specific bank's holiday schedule

While most banks follow the Federal Reserve's schedule, some have slightly different hours or additional closures. The most reliable way to know whether your bank is open today is to call the branch directly, check their website, or look at their mobile app — many apps show branch hours and holiday closures.

Credit unions sometimes have different holiday schedules than banks. If you use a credit union, check their website or call your local branch rather than relying on the Federal Reserve calendar.

What to do if you need banking services on a holiday

If today is a bank holiday and you need to move money, pay a bill, or check your balance, use your bank's website or mobile app. These work around the clock, even when branches are closed. You can transfer money between your own accounts, pay bills online, deposit checks through mobile deposit, and check your balance anytime.

If you need cash, use an ATM. Most ATMs work on bank holidays. If you need to speak to someone, some banks offer phone support on holidays — check your bank's website to see if this is available.

Planning ahead for holiday closures

If you know a bank holiday is coming and you might need in-person banking, plan the day before. Withdraw cash, deposit checks, or handle any transactions that require a teller. This prevents you from being stuck without access to services.

If you have automatic payments scheduled, make sure they're set up to go through on time. Most automatic payments process correctly even when a bank is closed on a holiday, but check with your bank if you're unsure.

Frequently Asked Questions

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

Yes. ATMs work on bank holidays, and you can use your debit card to buy things at stores. Only the bank's physical branches close. Online banking, bill pay, and transfers all work normally.

Will my paycheck deposit on time if the bank is closed?

Direct deposits usually process on schedule even when a bank is closed. If payday falls on a bank holiday, your employer typically sends the deposit the day before so it arrives on time. Check with your employer if you're unsure.

What if I need to deposit a check on a bank holiday?

Use mobile deposit through your bank's app if you have it — you can photograph the check and deposit it anytime. If you don't have mobile deposit, deposit the check at an ATM if your bank offers that service, or wait until the next business day to visit a branch.

Do all banks close on the same holidays?

Most banks follow the Federal Reserve's nine federal holidays, but some banks and credit unions may have different schedules. Call your bank or check their website to confirm they're closed today.