The quickest way to check

The Federal Reserve publishes the official list of bank holidays each year on its website. You can search for "Federal Reserve holidays" and the current year to see the exact dates. If tomorrow is not on that list, banks will be open.

Most banks follow the same federal holiday schedule, but some regional or smaller banks may observe different days. If you need to know whether your specific bank is open, call the branch directly or check your bank's website — they usually post holiday hours in a prominent place.

The nine federal holidays when most U.S. 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. If tomorrow is one of these dates, your bank will almost certainly be closed.

Key Takeaways

  • The Federal Reserve website lists all federal bank holidays for the current year, and you can check it in seconds to see if tomorrow is one of them.
  • The nine main federal holidays when banks close are New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Some banks may have different hours or closures on holidays, so calling your branch or checking their website gives you the most accurate answer for your bank.
  • If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead — usually Friday if the holiday is on Saturday, or Monday if it is on Sunday.

What happens when a holiday falls on a weekend

When a federal holiday lands on Saturday, banks usually close on Friday instead. When it lands on Sunday, they close on Monday. This is called an "observed" holiday, and the Federal Reserve announces which day each bank will observe.

For example, if Independence Day (July 4) falls on a Saturday, most banks will be closed on Friday, July 3. Your bank's website or a phone call will confirm the exact day your branch observes the holiday.

Where to find your bank's specific holiday schedule

Your bank's website almost always has a "Holiday Hours" or "Branch Hours" page. Look for it in the footer or under a "Customer Service" section. Many banks also send email reminders a week or two before major holidays.

If you cannot find the information online, call your branch directly. The phone number is on your debit card, your statements, or your bank's main website. A staff member can tell you when ready whether they will be open tomorrow.

Some banks also post holiday information in the branch itself or on their mobile app. If you use mobile banking, check the app before you assume the branch is closed.

Why banks close on federal holidays

Federal holidays are days when the Federal Reserve — the central banking system of the United States — does not operate. Because the Federal Reserve is closed, most commercial banks close too. They cannot process certain transactions, move money between accounts, or clear checks without access to the Federal Reserve's systems.

This does not mean you cannot access your money at all. ATMs usually work on holidays, and many banks offer online banking and mobile apps that function 24/7. You just cannot visit a branch in person or speak to a teller.

What you can and cannot do on a bank holiday

On a federal bank holiday, you can still use your debit card, withdraw cash from ATMs, transfer money through your bank's app or website, and check your balance. Deposits made through ATMs or mobile apps may not post until the next business day, but the transaction goes through.

What you cannot do is visit a branch, speak to a teller, explore for a loan in person, or resolve issues that require a staff member. If you need to do any of these things, plan ahead and visit your bank on a day it is open.

Planning ahead for holidays

If you know a holiday is coming and you need cash or need to handle banking in person, go to your branch the day before. This is especially important before long weekends, when the bank may be closed for multiple days.

If you have bills due on a holiday, pay them a day or two early through your bank's bill pay service or through the biller's website. Payments made on a holiday may not post until the next business day, which could result in a late fee.

Frequently Asked Questions

Can I withdraw money from an ATM on a bank holiday?

Yes. ATMs work on bank holidays because they are not connected to the teller system. You can withdraw cash, check your balance, and make deposits at an ATM anytime, even when the branch is closed.

Will my direct deposit come through on a bank holiday?

Direct deposits scheduled for a bank holiday usually post on the next business day instead. If your paycheck is due on a holiday, it will likely appear in your account the day after the holiday. Check with your employer or your bank if you are unsure.

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

Most banks let you deposit checks through their mobile app or at an ATM on a holiday. The deposit will process, but the funds may not be available until the next business day because the Federal Reserve is closed.

Are credit unions closed on the same holidays as banks?

Most credit unions follow the same federal holiday schedule as banks, but some may have different hours. Call your credit union directly to confirm whether they are open tomorrow.

Do online banks close on federal holidays?

Online banks do not have physical branches, so they do not "close" in the traditional sense. You can use their website and app on any day. However, some transactions like wire transfers or customer service calls may be delayed if the holiday affects the Federal Reserve or the banking system.