Banks were closed on Juneteenth in 2024 and remain closed in 2025
Yes. Juneteenth (June 19th) became a federal holiday in 2021, and the Federal Reserve, the Office of the Comptroller of the Currency, and the FDIC all observe it. That means most banks — including national banks, state-chartered banks, and credit unions — close their physical branches on Juneteenth. ATMs and online banking stay open, but you cannot walk in, speak to a teller, or conduct business in person.
The closure applies whether Juneteenth falls on a weekday or weekend. When June 19th lands on a Saturday or Sunday, most banks observe the holiday on the nearest weekday instead. In 2024, Juneteenth fell on a Wednesday and banks closed. In 2025, it falls on a Wednesday again.
Not every financial institution follows federal holidays the same way. Some credit unions, smaller regional banks, and online-only banks may stay open. If you use a smaller or less common bank, check their holiday schedule directly rather than assuming closure.
Key Takeaways
- Most banks close their branches on Juneteenth because it is a federal holiday observed by the Federal Reserve and banking regulators.
- ATMs and online banking remain available on Juneteenth, so you can withdraw cash and transfer money without visiting a branch.
- When Juneteenth falls on a weekend, banks typically observe the holiday on the nearest weekday instead.
- Credit unions and smaller banks may have different holiday schedules, so confirm with your specific institution before planning a banking trip.
What stays open when banks close on Juneteenth
Your ATM works on Juneteenth just as it does on any other day. You can withdraw cash, check your balance, and deposit checks at ATMs owned by your bank or through ATM networks. Online banking portals and mobile apps also function normally — you can transfer money between accounts, pay bills, and check transactions from your phone or computer.
If you need to deposit a check, most banks accept mobile check deposits through their app on Juneteenth. The check clears according to the normal deposit timeline, which usually means it posts the next business day (June 20th in 2024 and 2025). Wire transfers and ACH transfers initiated online may also process, though they typically settle the next business day anyway.
The closure only affects services that require a person behind a counter: speaking to a teller, explore for a loan, opening a new account, or getting a cashier's check in person.
How Juneteenth closures affect payment timing
If you send a check or initiate a payment on Juneteenth, the bank does not process it until the next business day. A check you mail on June 19th will not clear until at least June 20th. An ACH transfer you set up online on Juneteenth will process on June 20th (or later, depending on the receiving bank's schedule).
Wire transfers are the exception: if you initiate a wire transfer before the bank's cutoff time on Juneteenth (usually 2 or 3 p.m.), it may still go out that day. But most banks do not process wires on federal holidays, so assume your wire will leave on June 20th instead.
If you are paying a bill with a due date of June 19th, do not wait until that day. Pay on June 18th or earlier. If you miss the important date because the bank was closed, contact the creditor and explain — many will waive a late fee if the delay was caused by a bank holiday.
Which banks close and which stay open
All national banks (those with "National" in the name or "N.A." after the name) close on Juneteenth. State-chartered banks that are members of the Federal Reserve also close. Most large regional and community banks follow the federal holiday calendar and close as well.
Credit unions vary. Many credit unions are regulated by the National Credit Union Administration (NCUA) and observe federal holidays, but not all. Some credit unions stay open on Juneteenth. Online-only banks and fintech companies may or may not close — they have no physical branches, so "closure" means their customer service phone lines are closed and some services may be delayed, but you can still access your account online.
The safest approach: check your bank's website or call the customer service number listed on the back of your card. Most banks publish their holiday schedule online, and a quick search for "[Your Bank Name] Juneteenth hours" will tell you whether they close.
Planning around Juneteenth bank closures
If you need cash, withdraw it on June 18th. If you need to deposit a check, use mobile deposit on Juneteenth or deposit it in person on June 18th or June 20th. If you need to wire money, initiate it before Juneteenth or wait until June 20th.
For bill payments, set up automatic payments or pay online a day or two early. If you are expecting a direct deposit on or around Juneteenth, remember that the bank does not process deposits on the holiday — your paycheck will post on the next business day instead.
If you have a time-sensitive financial matter — a loan closing, a large transfer, opening a business account — schedule it for June 18th or June 20th, not June 19th. Banks that do stay open on Juneteenth are the exception, and you should not count on it.
Frequently Asked Questions
Can I use my debit card on Juneteenth if the bank is closed?
Yes. Your debit card works at any merchant or ATM on Juneteenth. The bank closure only affects services that require staff in a branch. You can swipe your card, withdraw cash from ATMs, and make purchases normally.
Will my paycheck deposit on time if it arrives on Juneteenth?
No. Direct deposits that would normally post on June 19th will post on June 20th instead, because the bank does not process deposits on federal holidays. If your pay date is Juneteenth, expect the money one business day later.
What if I need to speak to someone at my bank on Juneteenth?
Call the customer service number on the back of your card. Many banks staff their phone lines on federal holidays, even if branches are closed. If you reach an automated system, it will usually offer a callback option or direct you to online banking.
Do online banks close on Juneteenth?
Online banks have no physical branches, so they do not "close" in the traditional sense. However, some may have reduced customer service hours or delayed processing on federal holidays. Check your bank's website for their Juneteenth schedule.
If Juneteenth falls on a Saturday, is the bank closed on Friday instead?
Usually yes. When a federal holiday lands on a weekend, banks typically observe it on the nearest weekday. If Juneteenth is on Saturday, most banks close on Friday. If it is on Sunday, they close on Monday. But confirm with your specific bank, as some may observe it differently.