Yes, most U.S. banks close on Good Friday 2026
Good Friday falls on April 10, 2026, and the vast majority of banks in the United States will be closed that day. The Federal Reserve observes Good Friday as a federal holiday, which means the banking system does not process transactions, clear checks, or settle transfers on that date. If you need to deposit a check, withdraw cash, or conduct business that requires a teller, you will need to do it on Thursday, April 9, or Monday, April 13.
The closure affects not just bank branches but also the underlying systems that move money between accounts. ACH transfers (the system that moves money between checking accounts), wire transfers, and check clearing all pause on Good Friday. If you initiate a transfer on Thursday evening, it will not process until Monday.
Some banks offer limited services through ATMs and mobile apps on Good Friday—you can withdraw cash from an ATM or check your balance—but you cannot speak to a person, open an account, or conduct any transaction that requires staff.
Key Takeaways
- Good Friday 2026 is April 10, and nearly all U.S. banks will be closed that day because the Federal Reserve observes it as a holiday.
- ATMs and mobile banking apps will work on Good Friday, but you cannot visit a branch, speak to a teller, or process transactions that require staff.
- Any transfer you start on Thursday evening will not move until Monday, so plan ahead if you need money to arrive by a specific date.
- Credit unions and online-only banks may have different closure policies, so check with your institution directly if you are unsure.
Which banks are closed and which might stay open
The Federal Reserve's closure on Good Friday is binding for all banks that are members of the Federal Reserve System, which includes virtually every major bank in the country. This means Chase, Bank of America, Wells Fargo, Citibank, and regional banks all close on April 10, 2026.
Credit unions are not required to close on Good Friday because they are not part of the Federal Reserve System. Some credit unions will close anyway out of tradition or to give staff the day off, but others stay open. If you bank with a credit union, contact your branch directly to confirm their hours for April 10.
Online-only banks (like Ally, Charles Schwab Bank, or Marcus) do not have physical branches, so the concept of "closed" does not explore in the same way. You can log in and view your account on Good Friday, but any transaction that requires the bank's back-office systems to process—such as moving money between accounts or initiating a transfer—will not complete until Monday.
What you can and cannot do on Good Friday
You can: Withdraw cash from an ATM, check your account balance through a mobile app or website, view transaction history, and set up alerts. These functions run on systems that stay active even when the bank is closed.
You cannot: Visit a branch to speak with a teller, deposit a check in person, open a new account, explore for a loan, dispute a transaction with staff, or conduct any service that requires a person to process it. If you try to deposit a check through a mobile app on Good Friday, the image will upload, but the bank will not process it until Monday.
Transfers initiated on Thursday evening will not move until Monday. This includes ACH transfers (which normally take one to three business days anyway) and wire transfers. If you need money to arrive by Friday, you must initiate the transfer by Thursday morning at the latest, and even then, same-day wire transfers are not may provide.
Planning ahead: what to do before Thursday, April 9
If you know you will need cash on Good Friday or over the Easter weekend, withdraw it on Thursday. ATMs have daily withdrawal limits that vary by bank—typically $500 to $1,000—so plan accordingly and visit early if you need a large amount.
If you need to deposit a check, do it on Thursday using mobile deposit (if your bank offers it) or by visiting a branch. Mobile deposits usually clear by Monday or Tuesday, so a check deposited on Thursday will likely be available by Tuesday, April 14.
If you are expecting a transfer from an employer, client, or another person, ask them to send it by Wednesday, April 8, to may support it clears before the weekend. Transfers sent on Thursday or Friday will not process until Monday at the earliest.
If you have bills due on Friday or over the weekend, pay them on Thursday using your bank's bill pay system or the biller's website directly. Do not wait until Friday morning.
How the closure affects different types of transactions
| Transaction Type | Thursday, April 9 | Friday, April 10 (Good Friday) | Monday, April 13 |
|---|---|---|---|
| ATM withdrawal | Processes when ready | Processes when ready | Processes when ready |
| Mobile check deposit | Uploads and queues for processing | Uploads and queues for processing | Processing begins |
| ACH transfer (to another bank) | Initiates; processes Friday or later | Does not process; queued for Monday | Processes |
| Wire transfer | Initiates; processes same day if before cutoff | Does not process; queued for Monday | Processes |
| Bill payment | Initiates; processes Friday or later | Does not process; queued for Monday | Processes |
| Branch visit | Branch open | Branch closed | Branch open |
What happens if you need emergency cash
If you run out of cash on Good Friday and cannot wait until Monday, your ATM is your only option. Make sure you know where ATMs are located near your home, workplace, or wherever you will be over the weekend. Most ATMs are available 24/7, even when the bank is closed.
If you need to borrow money urgently, you cannot visit a bank branch on Good Friday, but you may be able to use a credit card, ask a friend or family member for a short-term loan, or visit a check-cashing service (though these charge fees). Plan ahead to avoid this situation.
If you have a banking emergency that requires speaking to someone—such as a fraudulent charge or a locked account—call your bank's customer service line on Thursday. Many banks have phone lines staffed on holidays, though wait times may be longer. Check your bank's website or the back of your debit card for the emergency number.
International transfers and business banking
If you send or receive international wire transfers, Good Friday closure affects you more significantly. International wires typically take one to three business days anyway, and the U.S. banking holiday adds another day to the timeline. A wire initiated on Thursday may not arrive until Wednesday or Thursday of the following week.
If you run a business and rely on customer payments or payroll processing, plan for the Good Friday closure. Payroll should be processed on Thursday if it is due Friday. Customer invoices and payment important date should account for the fact that ACH transfers will not clear until Monday.
Frequently Asked Questions
Can I use my debit card on Good Friday?
Yes. Debit cards work at merchants and ATMs on Good Friday because the transaction is processed through the card network, not directly through the bank's branch system. You can swipe or insert your card anywhere that accepts it. The transaction will post to your account, though the bank will not settle it until Monday.
Will my direct deposit arrive on Good Friday if it is scheduled for that day?
No. Direct deposits are ACH transfers, and the Federal Reserve does not process ACH on Good Friday. If your paycheck is scheduled to arrive on April 10, it will arrive on Monday, April 13, instead. Ask your employer to schedule it for Thursday, April 9, if you need it before the weekend.
What if I need to dispute a charge on Good Friday?
You cannot speak to a representative on Good Friday, but you can report fraud through your bank's mobile app or website if that option is available. Call your bank on Thursday to report it, or wait until Monday. For fraud, the clock starts when you report it, not when you discover it, so reporting on Monday is still timely.
Do online banks like Ally or Charles Schwab close on Good Friday?
Online banks do not have physical branches, so they do not "close" in the traditional sense. However, their back-office systems are tied to the Federal Reserve, so transfers and other transactions that require processing will not complete until Monday. You can log in and view your account on Good Friday, but money will not move.
Can I pay my credit card bill on Good Friday?
You can initiate a payment on Good Friday through your credit card company's website or app, but it will not process until Monday. To avoid a late fee, make the payment on Thursday. If your due date is Friday, April 10, contact your credit card company on Thursday to confirm they will not charge a late fee given the banking holiday.