Banks close on 11 federal holidays each year, and the dates are set by law
U.S. banks close on the same 11 federal holidays every year. These are days when the Federal Reserve does not operate, so banks cannot process transactions through the federal banking system. Your bank will be closed, ATMs will still work, and any deposits you make will post the next business day.
The 11 holidays are New Year's Day, Birthday of Martin Luther King Jr., Washington's Birthday (Presidents' Day), Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. Some banks also close on the day after Thanksgiving, though this is not a federal holiday.
The dates change each year because some holidays fall on different days of the week. For example, if Independence Day falls on a Saturday, many banks observe it on Friday. If it falls on a Sunday, they observe it on Monday.
Key Takeaways
- Banks close on 11 federal holidays set by federal law, and the exact dates shift year to year depending on which day of the week the holiday falls.
- ATMs and online banking work on federal holidays, but deposits and withdrawals at a teller window cannot be processed until the next business day.
- If a holiday falls on a weekend, your bank will observe it on the nearest weekday — usually Friday if the holiday is Saturday, Monday if it is Sunday.
- Some banks close on the day after Thanksgiving as a courtesy, even though it is not a federal holiday.
The 11 federal holidays when banks close
These are the holidays observed by all U.S. banks:
| Holiday | Typical Date | 2024 Observed | 2025 Observed |
|---|---|---|---|
| New Year's Day | January 1 | Monday, January 1 | Wednesday, January 1 |
| Birthday of Martin Luther King Jr. | Third Monday in January | Monday, January 15 | Monday, January 20 |
| Washington's Birthday (Presidents' Day) | Third Monday in February | Monday, February 19 | Monday, February 17 |
| Memorial Day | Last Monday in May | Monday, May 27 | Monday, May 26 |
| Juneteenth | June 19 | Wednesday, June 19 | Thursday, June 19 |
| Independence Day | July 4 | Thursday, July 4 | Friday, July 4 |
| Labor Day | First Monday in September | Monday, September 2 | Monday, September 1 |
| Columbus Day | Second Monday in October | Monday, October 14 | Monday, October 13 |
| Veterans Day | November 11 | Monday, November 11 | Wednesday, November 11 |
| Thanksgiving Day | Fourth Thursday in November | Thursday, November 28 | Thursday, November 27 |
| Christmas Day | December 25 | Wednesday, December 25 | Thursday, December 25 |
This list is the same for all banks. Some states and cities have additional holidays, but banks do not close for those — only for the 11 federal holidays listed above.
What you can and cannot do when your bank is closed
When your bank is closed on a federal holiday, you cannot visit a branch or speak to a teller. However, most banking services still work. You can use your ATM card to withdraw cash or check your balance. You can use your bank's mobile app or website to check your account, transfer money between your own accounts, or pay bills online.
Any deposits you make at an ATM or through mobile banking will be processed the next business day. If you deposit a check on a holiday, it will not clear until the day after the bank reopens. Transfers to other banks may also be delayed by a day.
If you need to speak to someone at your bank on a holiday, some banks offer phone support or chat support through their website or app, though response times may be slower. Check your bank's website to see what services are available.
How banks observe holidays that fall on weekends
When a federal holiday falls on a Saturday or Sunday, banks observe it on the nearest weekday. If the holiday is on Saturday, the bank closes on Friday. If the holiday is on Sunday, the bank closes on Monday.
For example, in 2024, Independence Day falls on Thursday, so banks close on Thursday. In 2025, Independence Day falls on Friday, so banks close on Friday. If Independence Day fell on a Saturday, banks would close on Friday instead.
This rule applies to all 11 federal holidays. Your bank will post the exact dates on its website or in your branch, so you can confirm before you plan a banking errand.
Planning ahead for bank closures
If you know you will need cash or need to deposit a check, plan a day or two ahead of a federal holiday. Visit your bank or ATM before the holiday to withdraw what you need or deposit checks that need to clear quickly.
If you pay bills by check, mail them earlier in the week so they arrive after the holiday. If you transfer money between banks, do it before the holiday so the transfer completes before the receiving bank closes.
For routine transactions like checking your balance, paying bills online, or moving money between your own accounts, a bank holiday makes no difference — you can do these anytime through your app or website.
Frequently Asked Questions
Can I use my ATM on a bank holiday?
Yes. ATMs work 24 hours a day, even when your bank is closed. You can withdraw cash, check your balance, and deposit checks at an ATM on any federal holiday. Deposits made at an ATM on a holiday will post the next business day.
If I deposit a check on a holiday, when will it clear?
A check deposited on a federal holiday will not be processed until the next business day. If you deposit on a Monday holiday, the check will be processed on Tuesday. This means it may take an extra day to clear compared to a check deposited on a regular business day.
Do all banks close on the same federal holidays?
Yes. All U.S. banks close on the same 11 federal holidays because the Federal Reserve does not operate on those days. Some banks may also close on the day after Thanksgiving as a courtesy, but that is not a federal requirement.
What if I need to speak to my bank on a holiday?
Most banks offer phone support or chat through their website or app, though hours may be limited. Check your bank's website before the holiday to see what support is available. For emergencies like a lost or stolen card, most banks have a 24-hour customer service line.
Do credit unions close on the same days as banks?
Most credit unions close on the same 11 federal holidays as banks, but some may have different hours or additional closures. Check with your credit union directly to confirm their holiday schedule.