Not all banks close on the same days, but most major ones do

Whether your bank is closed tomorrow depends on which bank you use and what day tomorrow is. Most large banks — Chase, Bank of America, Wells Fargo, Citibank — close on the same federal holidays. But smaller banks, credit unions, and online-only banks sometimes stay open when the big ones shut down. The only way to know for certain is to check your specific bank's website or call the branch you plan to visit.

If tomorrow is a weekday and not a federal holiday, your bank is almost certainly open during normal business hours. If tomorrow is a weekend, most physical branches are closed, though you can still use ATMs and online banking. If tomorrow is a federal holiday, check the list below to see if your bank observes it.

Key Takeaways

  • Federal holidays when most banks close include New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Your specific bank may stay open on a holiday that other banks observe, so you need to check your bank's schedule, not a general list.
  • Even when a bank branch is closed, you can usually withdraw money from ATMs, transfer funds online, and use mobile banking.
  • If you need to deposit a check or speak to someone on a holiday, you may have to wait until the next business day.

Federal holidays when most banks close

Banks that are members of the Federal Reserve system close on these federal holidays: 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), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Independence Day is on a Sunday, most banks close on Monday. Some banks close on the day before or after the holiday depending on their own policy.

Not every bank observes every holiday. Some credit unions and smaller regional banks have different schedules. A few banks stay open on some federal holidays, particularly if they have branches in states that do not recognize certain holidays.

How to check if your bank is open tomorrow

The fastest way is to search "[Your Bank Name] hours" plus your city or zip code. Most banks show their branch hours and holiday closures on the first page of results. You can also call your branch directly — the phone number is usually on your bank card or in your online banking portal.

If you use online banking, log in and look for a "locations" or "branches" section. Many banks list holiday hours there. Some banks send email or text alerts about closures, so check your recent messages if you are unsure.

For credit unions, visit your credit union's website or call the main number. Credit unions often have different holiday schedules than banks, so do not assume they follow the same calendar.

What you can do when your bank is closed

Even if your branch is closed, you can still access your money and move it around. ATMs work 24 hours a day, seven days a week at most banks. You can withdraw cash, deposit checks (if your ATM has a check deposit slot), and check your balance anytime.

Online banking and mobile apps work on holidays. You can transfer money between your own accounts, pay bills, send money to other people, and check your balance without visiting a branch. If you need to send money to someone else's account, most banks process transfers the next business day even if you send them on a holiday.

If you need to speak to someone — to dispute a charge, ask about a loan, or handle something complicated — you will have to wait until the branch reopens. Some banks offer phone support on holidays, but not all. Check your bank's website to see if customer service is available tomorrow.

What happens if you need to deposit cash or a check

If your bank is closed and you have a check to deposit, use the ATM if your bank has mobile check deposit through its app. Many banks let you photograph the front and back of a check and deposit it through your phone without visiting a branch. The deposit usually shows up in your account within one or two business days.

If you need to deposit cash and your ATM does not accept cash deposits, you will have to wait until the branch opens. Cash deposits do not process through ATMs at most banks. Some banks have cash deposit envelopes you can use, but the money will not be available until someone at the branch processes it the next business day.

Banks that may have different holiday schedules

Online banks like Ally, Charles Schwab, and Discover do not have physical branches, so they do not close for holidays in the traditional sense. You can access your account anytime. However, customer service phone lines may have reduced hours or be closed on major holidays.

Credit unions sometimes observe different holidays than banks. Some credit unions close on holidays that banks stay open for, and vice versa. If you use a credit union, check their specific schedule rather than assuming it matches a bank's calendar.

Banks in certain states may observe state holidays that are not federal holidays. For example, some banks in the South close on Confederate Memorial Day, which is not a federal holiday. Check your bank's website to see if it observes any state-specific holidays.

Frequently Asked Questions

Can I use my debit card at a closed bank?

Yes. Your debit card works at any ATM, even when your bank branch is closed. You can withdraw cash, check your balance, and deposit checks (if your ATM has that feature) anytime. Purchases at stores and online also go through normally on holidays.

Will a check I deposit on a holiday clear faster or slower?

Slower. Checks deposited on a holiday or weekend do not start processing until the next business day. A check deposited on Friday or a holiday typically clears by Wednesday or Thursday, depending on the amount and the other bank involved.

What if I need cash and the ATM is broken?

If your bank's ATM is out of service on a holiday, you can use another bank's ATM, though you may be charged a fee (usually one to three dollars). Some banks reimburse out-of-network ATM fees if you are a premium customer — check your account terms.

Do online banks close on holidays?

Online banks do not have branches that close, so you can access your account anytime. However, customer service phone lines may have reduced hours or be unavailable on major holidays. Check your bank's website for holiday customer service hours.

If a holiday falls on a weekend, is the bank closed on Friday or Monday?

Usually Monday. If a federal holiday lands on a Sunday, most banks close on the following Monday. If it lands on a Saturday, most banks close on the preceding Friday. Your bank's website will confirm which day it observes the holiday.