The fastest way to know
The simplest method is to check the Federal Reserve's official holiday calendar at federalreserve.gov, which lists every day the banking system closes. You can also call your own bank's customer service line — they will tell you when ready whether they are open tomorrow and whether it affects your specific account or transaction.
If you need the answer right now, text your bank's support number or log into your mobile app. Most banks display holiday closures in the app's home screen or under account settings. The Federal Reserve publishes its annual holiday schedule in December of the previous year, so the dates do not change unexpectedly.
The key distinction: a federal holiday does not automatically close all banks. Some banks stay open on certain federal holidays, and some close on days that are not federal holidays at all. Your bank's schedule is what matters for your transactions.
Key Takeaways
- The Federal Reserve publishes its official holiday closure schedule at federalreserve.gov, updated annually in December.
- Your specific bank may stay open on federal holidays or close on other days, so checking with your bank directly is more reliable than checking the federal list.
- Most banks display holiday closures in their mobile app or on their website under hours of operation.
- If you need to know today, call your bank's customer service line or check your app — they can confirm tomorrow's status in seconds.
What counts as a bank holiday
The Federal Reserve recognizes ten annual holidays when it closes: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, and Thanksgiving. The day after Thanksgiving is not a federal holiday, though some banks close it anyway.
Christmas is the only holiday that shifts: if it falls on a Saturday, banks close on Friday. If it falls on a Sunday, they close on Monday. The same rule applies to New Year's Day and Independence Day.
When a federal holiday falls on a weekend, the Federal Reserve observes it on the nearest weekday. For example, if Independence Day is a Saturday, the Federal Reserve closes on Friday. This means the closure date can vary year to year depending on the calendar.
Why your bank might not follow the Federal Reserve schedule
The Federal Reserve's closure affects the banking system's backbone — the networks that move money between banks. But individual banks are not required to close on federal holidays. Some stay open to serve customers, though they may not process certain transactions like wire transfers or check clearing.
State-chartered banks sometimes follow state holiday schedules instead of the federal one. Credit unions may have their own closure policies. Online banks often stay open on federal holidays because they have no physical branches, though they may not process transactions until the next business day.
If you are planning a transaction for tomorrow, the safest approach is to assume it will not process until the day after if tomorrow is a holiday — even if your bank is technically open. Transfers, deposits, and withdrawals may sit in queue until the banking system reopens.
How to find your bank's specific holiday schedule
Most banks publish their holiday hours on their website under "Hours" or "Locations." You can also call the main customer service number and ask directly. Many banks send email or app notifications about upcoming closures a week or two in advance.
If you bank with a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, you can usually find the schedule on their homepage or in the mobile app. Smaller regional banks and credit unions post theirs on their website or in branch locations.
For online-only banks like Ally, Chime, or Marcus, check their website's FAQ or contact page. They typically stay open on federal holidays but may delay processing until the next business day.
What happens if you try to do banking on a holiday
If your bank is closed tomorrow, you can still use ATMs and mobile apps to check balances, transfer money between your own accounts, and deposit checks remotely. You cannot speak to a person or complete transactions that require manual processing.
Wire transfers, loan applications, and disputes typically cannot be started on a holiday. If you initiate a transfer through your app on a holiday, it will queue and process the next business day. Checks deposited on a holiday will not clear until the day after the bank reopens.
If you need cash and your bank is closed, you can use any ATM in your bank's network or a third-party ATM, though you may pay a fee. Debit card purchases work normally on holidays.
Planning ahead for known holidays
The Federal Reserve's annual schedule is published in December, so you can plan ahead for major holidays. If you need to move money, pay a bill, or deposit a check before a holiday, do it the business day before. This prevents delays and ensures your transaction processes on time.
If a holiday falls on a Friday, remember that Monday is also not a business day for the banking system — so transactions initiated Friday will not process until Tuesday. The same applies when a holiday falls on a Monday: transactions initiated Friday will not process until Tuesday.
For recurring bills or automatic payments, set them to process at least two business days before a holiday. If you are expecting a deposit or refund around a holiday, it may arrive a day later than usual.
Frequently Asked Questions
Can I withdraw money from an ATM if my bank is closed tomorrow?
Yes. ATMs work on holidays and weekends. You can withdraw cash, check your balance, and transfer money between your own accounts. If you use an out-of-network ATM, you may pay a fee depending on your bank.
Will my direct deposit arrive if tomorrow is a bank holiday?
Direct deposits scheduled for a holiday will arrive the next business day instead. If tomorrow is Friday and Monday is a holiday, your deposit will arrive Tuesday. Check with your employer or the source of the deposit if you are unsure of the exact timing.
Do online banks close on federal holidays?
Online banks like Ally and Chime stay open on federal holidays because they have no physical branches. You can access your account and use your debit card normally. However, transactions like wire transfers or check clearing may not process until the next business day.
What if I need to pay a bill and my bank is closed tomorrow?
Pay through your bank's mobile app or website — you can schedule payments for future dates even if the bank is closed. If the bill is due tomorrow, call the creditor and explain the holiday delay. Most creditors allow an extra day when a payment falls on a holiday.
How do I know if a holiday is observed on a different day?
Check the Federal Reserve's website or your bank's website. When a holiday falls on a weekend, the Federal Reserve observes it on the nearest weekday — usually Friday if the holiday is Saturday, or Monday if it is Sunday. Your bank will follow the same rule.