Banks and post offices follow different holiday schedules, so you need to check both separately

Your bank and your post office will not always be closed on the same day. Banks observe federal holidays set by the Federal Reserve, while the U.S. Postal Service follows its own calendar — which overlaps with federal holidays but is not identical. A day your bank is closed does not mean your post office is closed, and vice versa. The fastest way to know is to call or check online rather than assume.

If you need to deposit a check, withdraw cash, or mail a package today, you need to verify the hours for each location separately. Most banks and post offices post their hours on their websites and on Google Maps, and both will show you whether they are open right now.

Key Takeaways

  • Banks close on federal holidays observed by the Federal Reserve; the post office closes on a slightly different set of federal holidays.
  • The fastest way to check is to search "[Your Bank Name] hours" or "[Your City] post office hours" on Google, which shows real-time status.
  • You can also call your bank's customer service line or your local post office directly — both answer when ready during business hours.
  • If your bank or post office is closed today, most offer limited services online or through ATMs and package lockers.

How to check your bank's hours right now

Open Google Maps or your bank's website and search for your branch by name and location. Google will show you the hours for today and whether the branch is currently open or closed. If it says "Closed" with a red label, the branch is not accepting customers today. If it shows hours like "9 AM – 5 PM", it is open during those times.

You can also call your bank's main customer service number — it is on your debit card or bank statement — and ask whether your specific branch is open today. Most banks have a phone line that operates even when branches are closed, and they can tell you in seconds.

If your branch is closed but you need cash, check whether your bank has an ATM you can use. Most ATMs work 24/7 regardless of branch hours. If you need to deposit a check or speak to someone, you will have to wait until the branch reopens or use mobile deposit if your bank offers it.

How to check your post office's hours right now

Search "post office near me" on Google Maps or visit usps.com and enter your ZIP code. The search will show your nearest post office location and its hours for today. If it shows "Closed", that post office is not open. Some locations have extended hours on certain days, so check the full weekly schedule to see when you can go.

You can also call your local post office directly. The number is listed on Google Maps or on usps.com. Post office staff will tell you whether they are open today and what services are available.

If your post office is closed but you need to mail something, look for a blue USPS collection box on the street — you can drop mail in those anytime. For packages, some post offices have package lockers outside that work 24/7, or you can use a UPS store or Amazon locker as an alternative.

Federal holidays when banks close

Banks close on these federal holidays observed by the Federal Reserve: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. Some banks may also close on the day after Thanksgiving, though this is not universal.

If today is one of these holidays, your bank branch will be closed, but you may still be able to use ATMs, mobile deposit, or online banking. Call your bank to confirm which services are available on the holiday.

Federal holidays when the post office closes

The U.S. Postal Service closes on: New Year's Day, Birthday of Martin Luther King Jr., Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. The post office does not close on the day after Thanksgiving, which is a difference from some banks.

On post office holidays, collection boxes still accept mail, and you can buy stamps and mail packages through usps.com or through self-service kiosks at some locations. However, mail will not be processed or delivered until the next business day.

What to do if both are closed today

If today is a federal holiday and both your bank and post office are closed, you have limited options that do not require waiting. For banking, use your ATM to withdraw cash, deposit checks through mobile deposit if your bank offers it, or handle transfers and bill payments through your bank's website or app. For mail, drop packages in a collection box or use a UPS store, Amazon locker, or FedEx location if you need to send something urgently.

If you need to speak to someone at your bank or post office, you will have to call back tomorrow or the next business day. Most customer service lines are staffed even on holidays, so you can call to ask questions — you just cannot visit the physical location.

Frequently Asked Questions

Will my bank be open if it is a federal holiday?

No. Banks close on all federal holidays observed by the Federal Reserve. However, ATMs, mobile deposit, and online banking remain available 24/7. Call your bank's customer service line to confirm which services work on the specific holiday.

Can I mail a package if the post office is closed?

You can drop a package in a collection box anytime, but it will not be processed until the next business day. For urgent shipments, use UPS, FedEx, or Amazon lockers, which operate independently of post office hours.

How do I know if my specific bank branch is open if the website is unclear?

Call the branch directly or call your bank's main customer service line. Both will tell you when ready whether that location is open today. Google Maps also shows real-time status — if it says "Closed", do not go.

What if my post office has different hours than the main location?

Some post offices inside grocery stores or pharmacies have different hours than standalone locations. Search your specific location on Google Maps or usps.com to see the exact hours for that branch.

Can I do banking online if my bank is closed today?

Yes. Online banking, bill pay, transfers, and mobile deposit work 24/7 on most banks' websites and apps, regardless of whether the physical branch is open. You cannot withdraw cash or deposit checks in person, but you can handle most transactions digitally.