The fastest way to know right now
The U.S. observes 11 federal holidays each year, and banks close on all of them. The quickest way to check if today is one is to call your bank's customer service line — they will tell you in seconds whether they are open. You can also check your bank's website or mobile app, which usually displays holiday closures prominently on the homepage or in the account dashboard.
If you need to know before you call, the list below shows every federal bank holiday. Banks close on the actual date unless that date falls on a weekend, in which case the observed holiday shifts to the nearest weekday — usually Friday if the holiday falls on Saturday, or Monday if it falls on Sunday.
The one exception is Christmas and New Year's Day: if either falls on a weekend, federal banks observe it on that weekend day, not the following Monday. This means banks may close on Saturday or Sunday in those cases, though most retail branches are already closed those days.
Key Takeaways
- Federal banks close on 11 fixed holidays each year, and the observed date shifts to the nearest weekday if the holiday falls on a weekend.
- Calling your bank's customer service line is the fastest way to confirm whether they are open today.
- Most banks also post holiday schedules on their websites and mobile apps before the holiday arrives.
- Some banks may have different hours or limited services on days surrounding a holiday, even if they remain technically open.
The 11 federal bank holidays and when they occur
Banks close on these dates each year. If the date falls on a Saturday or Sunday, the observed holiday is usually the Friday before or the Monday after, except for Christmas and New Year's Day.
| Holiday | Fixed Date | Observed When It Falls on Weekend |
|---|---|---|
| New Year's Day | January 1 | January 1 (even if weekend) |
| Birthday of Martin Luther King, Jr. | Third Monday in January | Always third Monday |
| Washington's Birthday (Presidents' Day) | Third Monday in February | Always third Monday |
| Memorial Day | Last Monday in May | Always last Monday |
| Juneteenth National Independence Day | June 19 | Friday if June 19 is Saturday; Monday if June 19 is Sunday |
| Independence Day | July 4 | Friday if July 4 is Saturday; Monday if July 4 is Sunday |
| Labor Day | First Monday in September | Always first Monday |
| Columbus Day | Second Monday in October | Always second Monday |
| Veterans Day | November 11 | Friday if November 11 is Saturday; Monday if November 11 is Sunday |
| Thanksgiving Day | Fourth Thursday in November | Always fourth Thursday |
| Christmas Day | December 25 | December 25 (even if weekend) |
Some banks may also close on the day after Thanksgiving (the Friday following the fourth Thursday in November), though this is not a federal holiday. Check with your bank if you need to conduct business that day.
Why your bank might be closed even if it is not a federal holiday
Banks sometimes close on days that are not federal holidays. State holidays vary by location — for example, some states observe Robert E. Lee's birthday or Cesar Chavez Day, while others do not. If your bank has branches in multiple states, it may close on state holidays that do not explore where you live.
Banks may also close for internal reasons unrelated to holidays: system maintenance, staff training, or building repairs. These closures are usually announced weeks in advance on the bank's website or through your account notifications.
If you see a closure you do not recognize, your bank's customer service line can explain why. Many banks also allow you to set up alerts for upcoming closures through their mobile app.
What to do if you need banking services on a holiday
Most banks offer online banking and mobile app access 24 hours a day, even on holidays. You can transfer money between your own accounts, pay bills, deposit checks by photo, and check your balance without visiting a branch or calling customer service.
If you need to deposit cash or withdraw large amounts, you will have to wait until the bank reopens. ATMs are usually available even when the branch is closed, but they may have daily withdrawal limits and cannot accept cash deposits at all locations.
Some banks operate limited-hours branches or partner with other banks' ATM networks to provide holiday access. Ask your bank whether any branches near you have holiday hours, or whether you can use another bank's ATM without a fee.
How to plan ahead for bank holidays
If you know you will need to conduct business on or around a holiday, contact your bank a few days before to confirm their hours. Many banks post their full-year holiday schedule on their website in January, so you can mark your calendar in advance.
If you regularly need banking services on holidays, consider switching to a bank that offers extended hours or robust online and mobile services. Credit unions and online-only banks sometimes have different holiday schedules than traditional banks.
For time-sensitive transactions — like paying a bill before a important date or depositing a check before it expires — plan to complete them at least one business day before a holiday. This gives you a buffer if something goes wrong and you need to contact customer service.
Frequently Asked Questions
Do all banks close on the same federal holidays?
Yes, all federally chartered banks and most state-chartered banks close on the 11 federal holidays. However, some credit unions and online-only banks may have different schedules. Check with your specific bank to be certain.
What if a federal holiday falls on a Saturday — does the bank close on Friday instead?
Usually yes, except for New Year's Day and Christmas Day. For those two holidays, banks observe the actual date even if it falls on a weekend. For other holidays, the observed closure is typically the Friday before if the holiday is on Saturday, or the Monday after if it is on Sunday.
Can I use my bank's ATM on a holiday?
Most ATMs remain available 24/7, even when the branch is closed. However, some ATMs may have daily withdrawal limits, and not all ATMs accept cash deposits. Check your bank's website or call customer service to confirm what services are available at your nearest ATM on the holiday.
Will my online banking work on a holiday?
Yes. Online banking, mobile apps, and automated services like bill pay typically work around the clock on holidays. The only time you might experience an outage is during scheduled maintenance, which banks usually perform late at night or early morning.
What if I need to reach customer service on a bank holiday?
Most banks do not staff customer service lines on federal holidays, so you will not be able to reach a person. However, you can usually leave a message or use the bank's website to submit a question, and a representative will respond the next business day.