The fastest way to check: your bank's website or a quick call
The simplest way to know if tomorrow is a banking holiday is to check your bank's own website — most have a holiday schedule listed under "Hours" or "Locations", or search for "banking hours" on their site. If you need an answer right now, call your bank's customer service line; they will tell you in under a minute whether they are closed tomorrow and what that means for your transaction.
The Federal Reserve publishes an official list of federal banking holidays each year, but not every bank observes every holiday the same way. Some banks close on all federal holidays. Others stay open on certain days — for instance, some regional banks remain open on Presidents' Day. A few banks that operate in multiple states may close on state holidays that are not federal holidays. This is why your bank's own schedule is more reliable than a general list.
If you are planning a transaction for tomorrow — a deposit, a wire transfer, a check clearing — knowing whether your bank is closed matters because the timing changes. Money that would normally move overnight may not move until the day after the bank reopens.
Key Takeaways
- Your bank's website or customer service line will tell you definitively whether they are closed tomorrow, which is faster and more accurate than a general holiday list.
- Federal banking holidays are set by the Federal Reserve, but individual banks decide whether to close on each one, so schedules vary by institution.
- If your bank is closed tomorrow, any transaction you submit will not process until the next business day, which affects when money moves between accounts.
- State holidays and bank-specific observances can close a bank even when it is not a federal holiday, so checking your specific bank is essential.
The federal banking holidays that most banks observe
The Federal Reserve recognizes ten federal banking holidays each year. These are: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (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 banking holiday.
Most large national banks — Bank of America, Chase, Wells Fargo, Citibank — close on all of these days. However, some credit unions, regional banks, and online-only banks operate on different schedules. A few banks stay open on Columbus Day or Presidents' Day. Some banks that serve specific regions may also close on state holidays that are not federal holidays — for example, banks in Texas may close on Texas Independence Day (March 2), and banks in Hawaii may close on different dates than mainland banks.
The only way to know for certain is to check your bank. Do not assume that because a holiday is federal, your bank is closed.
What happens to your money if you submit a transaction on a banking holiday
If your bank is closed tomorrow and you submit a transaction today or tomorrow, the transaction enters a queue but does not process until the bank reopens. A deposit you make at an ATM on a holiday will not clear until the next business day. A wire transfer you request will not leave your account until the bank processes it. A check you deposit will not be available for withdrawal until after the holiday.
The timing matters most for time-sensitive payments. If you are paying a bill that is due tomorrow and your bank is closed, the payment will not reach the recipient until after the holiday. If you are waiting for a deposit to clear so you can withdraw cash, a holiday delays that by one business day. If you are transferring money between your own accounts at different banks, the receiving bank may also be closed, which adds another day.
Some transactions — like purchases made with a debit card or credit card — process on a different schedule and are not affected by bank holidays. But transfers between bank accounts, wire transfers, and check deposits all depend on your bank being open.
How to find your bank's specific holiday schedule
Start with your bank's website. Look for a link labeled "Hours", "Locations", "Holiday Hours", or "Banking Hours". Most banks list their holiday schedule for the entire year on this page. If you cannot find it on the main site, try searching the site for "holiday schedule" or "closed" or the specific holiday name.
If your bank has a mobile app, the holiday schedule is sometimes listed there under settings or account information. If you still cannot find it, call the customer service number on the back of your debit card or on your bank statement. A representative can tell you whether the bank is closed tomorrow and whether any of your local branches have different hours.
If you bank at a credit union, the process is the same — check their website first, then call if you need confirmation. Credit unions sometimes have different holiday schedules than banks, so do not assume a credit union follows the federal banking holiday list.
Why some banks stay open when others close
Banks decide their own holiday schedules within the limits set by federal law. The Federal Reserve requires banks to close on federal banking holidays, but some banks interpret this requirement narrowly — they close their physical branches but keep their online banking and ATM services running. Other banks close everything, including ATMs and online access, though this is rare.
Online banks and some regional banks may stay open on certain federal holidays because they do not have physical branches to close. A bank with no brick-and-mortar locations can process transactions on any day, though the Federal Reserve itself may be closed, which can delay certain types of transfers.
Banks also sometimes close on days that are not federal holidays if they are state holidays in the states where the bank operates. A bank with branches in multiple states may close on different days in different states. This is why a national bank's schedule can look different depending on which state you are in.
What to do if you need to move money and your bank is closed tomorrow
If you need to send money and your bank is closed tomorrow, you have a few options. If the transaction is not urgent, wait until the bank reopens and submit it then. If it is urgent, check whether your bank allows you to submit the transaction online or through the mobile app even though the bank is closed — many banks let you schedule transactions in advance, and they will process when the bank reopens.
For payments that cannot wait, consider whether you can use a different method. A credit card payment, a debit card purchase, or a payment through a third-party service like PayPal or Venmo may process on a different timeline and may not be affected by your bank's holiday closure. However, these methods may have fees or limits that a bank transfer does not.
If you need cash and your bank is closed, ATMs are usually still available even on holidays, as long as you have funds in your account. However, if you are waiting for a deposit to clear before you can withdraw, the holiday will delay that by one business day.
Frequently Asked Questions
Do ATMs work on banking holidays?
Yes, most ATMs work on banking holidays because they are automated and do not require bank staff to operate. You can withdraw cash or check your balance on a holiday. However, if you are waiting for a deposit to clear before you can withdraw, the holiday delays that clearance by one business day.
If my bank is closed tomorrow, when will a check I deposit today clear?
A check deposited today will not be processed until your bank reopens. If tomorrow is a holiday and your bank is closed, the check will be processed the next business day after the bank reopens. The full clearing time depends on the check's origin bank and your bank's policies, but the holiday adds at least one day to the timeline.
Can I submit a wire transfer if my bank is closed tomorrow?
You may be able to schedule a wire transfer through your bank's website or app even if the bank is closed, but it will not actually process until the bank reopens. If you submit it in person at a branch, you will have to wait until the bank is open again. Wire transfers submitted on a holiday typically process the next business day.
Do online banks close on banking holidays?
Online banks do not have physical branches, so they do not close in the traditional sense. However, the Federal Reserve itself is closed on federal banking holidays, which can delay certain types of transfers between banks. Check your online bank's website to see whether they process transactions on specific holidays.
What if tomorrow is a holiday but my bank says it is open?
Some banks stay open on certain federal holidays, or they may have different hours than usual. If your bank's website says it is open tomorrow, it is open — trust your bank's own schedule over a general holiday list. Call to confirm the hours if you want to be certain.