November 28 is not a federal bank holiday

November 28, 2024 is a Thursday, and it is not a federal bank holiday — the days when banks close and federal employees get paid time off. The federal holidays in November are Veterans Day (November 11) and Thanksgiving Day (November 28, 2024). Wait — Thanksgiving is a federal holiday, so banks do close on that day.

Let me be direct: if November 28 falls on Thanksgiving, your bank will be closed. If November 28 is just a regular Thursday in a year when Thanksgiving falls on a different date, your bank will be open. The date itself is not automatically a holiday; what matters is whether Thanksgiving lands on that date in that particular year.

In 2024, Thanksgiving is November 28. In 2025, Thanksgiving is November 27. In 2026, Thanksgiving is November 26. So the answer depends on the year you are asking about.

Key Takeaways

  • November 28 is a bank holiday only in years when Thanksgiving falls on that date, which happens roughly every five to six years.
  • Thanksgiving is always the fourth Thursday of November, so the date shifts each year.
  • When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead — usually the Friday before or Monday after.
  • If you need to do banking on or near November 28, check your bank's holiday schedule for that specific year rather than assuming the date.

When Thanksgiving is a bank holiday

Thanksgiving is a federal holiday, which means banks close and federal employees do not work. Because Thanksgiving is always the fourth Thursday of November, it moves around the calendar each year. When November 28 is a Thursday and it is the fourth Thursday of that month, Thanksgiving falls on November 28 and banks close.

This happens periodically — roughly every five or six years. The next times November 28 will be Thanksgiving are 2029 and 2035. If you are planning something that requires banking services and November 28 is approaching, check whether Thanksgiving falls on that date in that year.

How to check your bank's holiday schedule

The safest way to know whether your bank is open on November 28 is to look at your bank's official holiday schedule. Most banks publish this on their website, usually under a heading like "Holiday Hours" or "Branch Closures." You can also call your branch directly or check your bank's mobile app, which often shows holiday closures in the branch locator.

Some banks close on the day before or after a holiday as well, depending on their policy. A few banks may stay open on some federal holidays, though this is less common. Your specific bank's practices matter more than the federal rule, so checking directly takes the guesswork out.

What happens if a holiday falls on a weekend

If Thanksgiving falls on a Saturday or Sunday in a given year, banks do not close on the weekend anyway — they are already closed. Instead, the federal holiday observance shifts to the nearest weekday. If Thanksgiving is on a Saturday, banks typically close on Friday. If Thanksgiving is on a Sunday, banks typically close on Monday.

This is called observing the holiday on an alternate day. The federal government has specific rules about which day gets observed, but banks may follow slightly different practices. Again, checking your bank's schedule removes any doubt.

Banking on or around November 28

If you need to deposit a check, withdraw cash, or handle other banking tasks around November 28, plan ahead. If November 28 is a bank holiday that year, you will need to use an ATM, mobile banking, or online banking instead. Most banks allow transfers and bill payments through their website or app even when branches are closed.

If you are expecting a deposit or payment to post, remember that transactions processed on a bank holiday may not show up in your account until the next business day. If you have a time-sensitive banking need, do it before the holiday or use digital banking tools that work around the clock.

Other November holidays that affect banking

Veterans Day, November 11, is also a federal holiday and banks close on that day every year. Unlike Thanksgiving, Veterans Day has a fixed date, so you can count on banks being closed on November 11 regardless of the year. If November 11 falls on a weekend, the observance shifts to the nearest weekday, usually Friday or Monday.

No other days in November are federal bank holidays. State and local holidays may affect some banks or credit unions, but federal holidays are the ones that close most mainstream banks nationwide.

Frequently Asked Questions

Will my bank be open on November 28, 2024?

No. In 2024, Thanksgiving is November 28, which is a federal holiday. Banks will be closed. Check your bank's website or app to confirm their specific holiday hours, as some may close the day before or have limited services.

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

Use your bank's ATM or mobile app to deposit the check remotely if your bank offers mobile check deposit. Otherwise, deposit it the next business day. Checks deposited on a holiday typically post the following business day anyway.

Does every bank close on federal holidays?

Most mainstream banks close on federal holidays, but some credit unions or online banks may have different policies. Check your specific bank's holiday schedule to be sure. A few banks stay open on certain holidays, though this is uncommon.

When is Thanksgiving in 2025?

Thanksgiving in 2025 is November 27. November 28 will be a regular Friday that year, and banks will be open.