Most US banks are closed on Easter Monday, but the date changes every year

Easter Monday is not a federal holiday in the United States, which means banks are not required to close. However, most major banks—including Bank of America, Chase, Wells Fargo, and Citibank—choose to close on Easter Monday anyway. This is a business decision, not a legal requirement. The reason is practical: Easter Sunday is a religious holiday when many people are with family, and banks extend the closure to Monday to give staff time off.

Because Easter is a moveable holiday tied to the lunar calendar, Easter Monday falls on a different date each year. In 2024 it was April 1. In 2025 it will be April 21. In 2026 it will be April 5. If you need to do banking on or around Easter, you need to know the specific date for that year.

Your own bank may have different hours than the major national chains. Credit unions, smaller regional banks, and online-only banks sometimes stay open on Easter Monday. The only way to know for certain is to check your bank's website or call the branch directly.

Key Takeaways

  • Most major US banks close on Easter Monday even though it is not a federal holiday, but your bank may have different hours.
  • Easter Monday falls on a different date each year because Easter is based on the lunar calendar, so you cannot assume the same date as last year.
  • Online banking, ATMs, and mobile apps work normally on Easter Monday even when physical branches are closed.
  • If you need to visit a branch on or near Easter, check your bank's website or call ahead rather than assuming standard hours.

How to find your bank's Easter Monday hours

The fastest way is to visit your bank's website and search for "holiday hours" or "Easter hours". Most banks post their full holiday schedule at the start of the year. You can also call your local branch directly and ask whether they will be open on Easter Monday.

If you use an online bank with no physical branches—such as Ally, Charles Schwab, or Marcus—the closure does not affect you. You can deposit checks, transfer money, and check balances from your phone or computer on Easter Monday just as you would on any other day. The bank's servers run 24/7.

ATMs work on Easter Monday regardless of whether the branch is open. If you need cash, you can withdraw from any ATM in your bank's network. If you need to deposit a check, many banks have mobile deposit through their app, which you can use anytime.

What you cannot do when your bank is closed

You cannot visit a teller, open a new account, explore for a loan, or speak to a banker in person on Easter Monday if your branch is closed. You also cannot deposit cash at the branch—only checks through mobile deposit or ATM deposits if your bank offers them.

If you need to wire money, transfer between accounts at different banks, or resolve a problem with a transaction, you will have to wait until the branch reopens. Some banks have phone support on holidays, but this varies. Check your bank's website to see whether customer service is available on Easter Monday.

Planning ahead for Easter Monday banking

If you know you will need to do something at your bank around Easter, do it before Easter Sunday. Deposit checks, withdraw cash, and handle any account changes during regular business hours the week before.

If you are expecting a check to arrive or a payment to post around Easter, remember that the bank will not process it until the day it reopens. A check that arrives on Easter Monday will not be deposited until Tuesday. A bill payment scheduled for Easter Monday may not go through until Tuesday, depending on your bank's system.

If you are traveling over Easter and need cash, withdraw it before you leave. Do not count on being able to visit a bank branch while you are away.

Federal holidays versus bank holidays

The federal government recognizes 11 holidays per year: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Banks must close on all of these.

Easter Monday is not on that list, so banks close at their own discretion. Some banks also close on Good Friday (the Friday before Easter) even though it is not a federal holiday. A few banks stay open on Easter Monday. This is why you cannot assume your bank will be closed without checking first.

Frequently Asked Questions

Will my ATM work on Easter Monday if the branch is closed?

Yes. ATMs operate 24/7 regardless of branch hours. You can withdraw cash, check your balance, and transfer money between your own accounts on Easter Monday. Some ATMs also accept check deposits.

Can I use mobile banking or my bank's app on Easter Monday?

Yes. Mobile apps and online banking work on Easter Monday just like any other day. You can check balances, transfer money between accounts, pay bills, and deposit checks by phone. The bank's digital systems do not close for holidays.

What if I need to talk to someone at my bank on Easter Monday?

Call your bank's customer service number. Some banks staff phone support on holidays, but not all. Check your bank's website or the back of your debit card to see whether customer service is available on Easter Monday. You may have to wait until Tuesday to speak to someone at a branch.

Does Easter Monday closure affect bill payments I scheduled?

It depends on when the payment is scheduled to process. If you set a bill payment for Easter Monday, it may not go through until Tuesday. If you need a payment to arrive by a certain date, schedule it for the day before Easter or the day after, depending on your bank's processing time.

Are credit unions closed on Easter Monday?

Most credit unions close on Easter Monday, but not all. Call your credit union directly or check their website. Some smaller credit unions stay open on days when banks close, so it is worth asking.