The fastest way to know if today is a federal bank holiday
The U.S. Federal Reserve publishes a calendar each year listing every federal bank holiday. You can check it directly at federalreserve.gov — search for "holiday schedule" and you will see the exact dates. Your own bank's website also lists which days it will be closed, because not all banks observe every federal holiday the same way.
If you need to know right now, the simplest approach is to call your bank's customer service line or check their mobile app. Most banks show holiday closures in their app under "Hours" or "Locations". You can also look at your bank's website footer, where holiday schedules are usually posted before the year begins.
The reason to check your specific bank rather than just the federal list is that some banks stay open on certain federal holidays, and some observe additional holidays that are not federal. For example, some banks close on days like Juneteenth or Indigenous Peoples' Day even though these are federal holidays, while others may close on state holidays that are not federal.
Key Takeaways
- The Federal Reserve publishes the official federal bank holiday calendar each year at federalreserve.gov.
- Your bank may not close on every federal holiday, and may close on days that are not federal holidays, so checking your bank's schedule is more useful than checking the federal list alone.
- Most banks display their holiday schedule in their mobile app under "Hours" or on their website footer.
- If you cannot find the schedule online, call your bank's customer service line — they can tell you when ready whether they are open today.
The federal holidays banks observe
Banks in the United States close on ten federal holidays set by Congress. These are: New Year's Day (January 1), Birthday of Martin Luther King, Jr. (third Monday in January), Washington's Birthday (third Monday in February), Memorial Day (last Monday in May), Juneteenth National Independence Day (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), and Thanksgiving Day (fourth Thursday in November).
Christmas Day (December 25) is also a federal bank holiday. Some banks add a second day off around Christmas or New Year's if the holiday falls on a weekend, but the exact dates vary by bank.
When a federal holiday falls on a Saturday, banks usually close on Friday instead. When it falls on a Sunday, they usually close on Monday. Your bank's website will show you which specific dates it will be closed, because the substitute day can vary.
Why your bank's schedule matters more than the federal list
Not every bank closes on every federal holiday. Some banks, especially smaller ones or those in certain regions, may stay open on days like Columbus Day or Veterans Day. Other banks close on state holidays that are not federal — for example, some banks in Texas close on Texas Independence Day (March 2), and some in Hawaii close on additional days that are state holidays there.
The only way to know for certain whether your bank is open today is to check your bank's own schedule. This is especially important if you need to deposit a check, withdraw cash, or handle something that requires a teller or in-person visit.
ATMs and online banking usually work on federal holidays, even when your bank's physical branches are closed. If you only need to transfer money, pay a bill, or check your balance, you can do that regardless of whether today is a holiday.
Where to find your bank's holiday schedule
Start with your bank's website. Most banks post their annual holiday schedule in the footer or under a "Hours & Locations" section. Some banks let you search by branch, so you can see if a specific location near you has different hours.
Your bank's mobile app usually shows holiday closures under "Locations" or "Hours". If you tap on a specific branch, you will often see a note about upcoming holidays.
If you cannot find the schedule online, call the customer service number on the back of your debit card or on your bank statement. A representative can tell you when ready whether the bank is open today and when it will reopen.
What to do if you need banking services on a holiday
If today is a federal bank holiday and you need to move money, transfer funds, or pay a bill, you can do all of that through your bank's website or mobile app. Online banking runs 24 hours a day, seven days a week, even on holidays.
If you need to deposit a physical check, you can use your bank's mobile app to deposit it by taking a photo — most banks process mobile check deposits overnight, even on holidays. If you need cash and your bank is closed, you can use any ATM, including ATMs at other banks (though you may pay a fee).
If you absolutely need to speak to someone at your bank on a holiday, call the customer service number on your card. Many banks staff their phone lines even when branches are closed.
Planning ahead for holidays
If you know a holiday is coming and you need to handle something in person, plan to visit your bank the day before. This is especially important if you need to withdraw a large amount of cash, deposit a check that needs when ready processing, or handle something that requires a teller.
Many banks post their holiday schedule for the entire year in December or January. If you save this information or set a reminder on your phone for major holidays, you will not be caught off guard.
If you are waiting for a payment or transfer that is scheduled to arrive on a federal holiday, remember that it may not post until the next business day. Banks and the Federal Reserve do not process transactions on federal holidays, so anything scheduled for a holiday will typically process the day after.
Frequently Asked Questions
Will my ATM work if the bank is closed for a holiday?
Yes. ATMs run 24 hours a day, even on federal holidays. You can withdraw cash, check your balance, and transfer money between your own accounts at any time, whether the bank's branches are open or not.
If I deposit a check on a holiday using my phone, when will it post?
Mobile check deposits usually post the next business day. If you deposit on a Friday that is a federal holiday, the check will likely post on Monday. If you deposit on a regular Friday, it usually posts by Saturday or Monday depending on your bank.
Can I still pay my bills online if my bank is closed for a holiday?
Yes. Online bill pay and transfers work 24 hours a day. However, if you schedule a payment for a holiday, it may not reach the recipient until the next business day, so plan ahead if you have a important date.
What if I need to speak to someone at my bank on a holiday?
Call the customer service number on the back of your debit card or on your statement. Most banks keep phone lines staffed even when branches are closed. You may have a longer wait than usual, but someone will be available to help.
Do all banks close on the same federal holidays?
No. While all banks close on the ten main federal holidays, some banks also close on state holidays or additional days. Check your specific bank's schedule to be sure, because it can vary.