Not all banks are closed on the same days, and most branches stay open even when federal holidays happen
The short answer: no. Most banks are open today unless it is a federal banking holiday or a Sunday. Even on federal holidays like Thanksgiving or Christmas, some banks open for limited hours, and online banking never closes. The banks that are closed depend on which bank you use, which state you are in, and whether today is a weekend or a holiday that affects the financial system.
The confusion happens because bank holidays are not the same as public holidays. A bank holiday is a day when the Federal Reserve does not process transfers between banks. On those days, your bank branch might be closed, but your account still exists and you can still use your debit card, withdraw cash from ATMs, and move money through your bank's app. Deposits and transfers you make on a bank holiday will process the next business day instead.
Key Takeaways
- Most banks close on Sundays and on the nine federal banking holidays set by the Federal Reserve, but some branches stay open on holidays with reduced hours.
- Your specific bank's hours depend on the branch location and the bank's own policy, so calling or checking the bank's website is the only way to know for certain.
- Even if your branch is closed, you can use ATMs, mobile banking, and online transfers 24 hours a day.
- If you need cash or to speak to someone today, finding an ATM or calling your bank's customer service line takes less than five minutes.
The nine federal banking holidays when most branches close
The Federal Reserve recognizes nine holidays when banks do not process transfers between institutions. On these days, most bank branches close, but the dates are fixed and the same across the country:
| Holiday | Date |
|---|---|
| New Year's Day | January 1 |
| Birthday of Martin Luther King, Jr. | Third Monday in January |
| Presidents' Day | 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 |
| Thanksgiving Day | Fourth Thursday in November |
| Christmas Day | December 25 |
Some banks also close on the day after Thanksgiving, though this is not a federal banking holiday. If today is one of these dates, your branch is likely closed, but your bank's website or phone line will confirm.
How to check if your specific bank branch is open today
The fastest way is to search "[Your Bank Name] hours" plus your city or zip code. Most banks display branch hours on their website homepage, and you can usually filter by location. Chase, Bank of America, Wells Fargo, and most regional banks show hours on their main website without logging in.
If you cannot find the information online, call your branch directly. The phone number is on your debit card, your bank statements, or the bank's website. A recorded message will tell you today's hours, or you can speak to someone during business hours. Customer service lines are often open longer than branches — some banks keep phone support open until 8 or 9 p.m. on weekdays.
You can also use Google Maps. Search your bank's name and your location, and Google will show you the branch hours, whether it is open right now, and customer reviews. This works for almost every bank and credit union.
What you can do even if your branch is closed
Your bank branch being closed does not stop you from accessing your money. ATMs work 24 hours a day, seven days a week, and you can withdraw cash, check your balance, and deposit checks without visiting a branch. Most banks do not charge you to use your own bank's ATM.
Mobile banking and online banking never close. You can transfer money between your own accounts, pay bills, send money to other people through your bank's app, and check your balance at any time. These transactions process when ready within your bank, though transfers to other banks may wait until the next business day if today is a weekend or holiday.
If you need to speak to someone, call your bank's customer service number. This line is usually staffed longer than branches are open, and representatives can help you with most issues over the phone — opening accounts, disputing charges, answering questions about your balance, or arranging a wire transfer.
When deposits and transfers process if your bank is closed today
If you deposit a check or make a transfer on a day when your bank is closed, the transaction will process on the next business day. A business day is any day the Federal Reserve processes transfers — Monday through Friday, excluding federal banking holidays. So if you deposit a check on Sunday, it processes on Monday. If you deposit on a federal holiday that falls on a weekday, it processes the next day.
Mobile check deposits usually show a timestamp of when you submitted them, and your bank will tell you when to expect the funds to appear. Most banks credit mobile deposits within one business day, though some take two. Wire transfers sent on a closed day will also wait until the next business day, so if you need money to move urgently, ask the recipient whether they can wait or whether you should use a different method.
Sundays and weekends
Most bank branches are closed on Sundays and Saturdays. Some larger branches in cities or shopping areas stay open on Saturday mornings, usually from 9 a.m. to 1 p.m., but this varies widely. If you need to visit a branch on the weekend, check your bank's website or call ahead — do not assume your location is open.
Credit unions often have different weekend hours than banks. Some credit unions open on Saturday, and a few open on Sunday. If you bank with a credit union, search its website or call to confirm weekend hours at your branch.
Frequently Asked Questions
Can I withdraw money from an ATM if the bank is closed?
Yes. ATMs work 24 hours a day, every day, whether the branch is open or closed. You can withdraw cash, deposit checks, and check your balance without visiting a teller. The only limit is the daily withdrawal limit your bank sets on your account, which is usually $500 to $1,000 but varies by bank.
Will my deposit process today if the bank is closed?
Mobile check deposits submitted today will process on the next business day. If you deposit a physical check at an ATM or through the mail, it may take one to two business days. Transfers between your own accounts process when ready, but transfers to other banks wait until the next business day if today is a weekend or holiday.
Is my money safe if the bank is closed?
Yes. Your account and your money exist whether the branch is open or closed. You can access your funds through ATMs and online banking at any time. The Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250,000 per account holder per bank, regardless of whether the branch is open.
What if I need to speak to someone today and the bank is closed?
Call your bank's customer service number, which is usually open longer than branches. The number is on your debit card, your statements, or the bank's website. Representatives can help with most issues over the phone, including disputes, account questions, and transfers.
Do all banks close on the same holidays?
All banks close on the nine federal banking holidays, but some banks also close on additional days like the day after Thanksgiving. A few banks in certain states may observe state holidays. Check your specific bank's website or call to confirm whether it is closed today.