Yes, most banks are closed on June 19th in 2025

June 19th is Juneteenth National Independence Day, a federal holiday. Banks observe federal holidays, which means most branches will be closed and you won't be able to visit in person, use the ATM at the branch, or reach customer service by phone.

However, you can still access your money. ATMs at other locations (grocery stores, gas stations, other banks' networks) work normally on holidays. Online banking, mobile apps, and transfers between your own accounts all function as usual. The closure only affects the physical branch and its direct phone lines.

Key Takeaways

  • Most banks close their branches on Juneteenth (June 19th), but ATMs and online banking stay open.
  • If you need cash, use an ATM at a grocery store, gas station, or another bank's network before the holiday.
  • Transfers, bill payments, and account management through your bank's app or website work normally on the holiday.
  • Checks deposited on June 19th may not post until June 20th or later, depending on your bank's processing schedule.
  • If you have an urgent banking need, contact your bank before June 19th to see if they offer holiday phone support.

Which banks close on Juneteenth

All major national banks close on federal holidays, including Bank of America, Chase, Wells Fargo, Citibank, and most regional and community banks. Credit unions also close on federal holidays, though a few may have limited hours — call ahead if you use a smaller institution.

If you bank with a very small local bank or credit union, it's worth calling the day before to confirm their holiday schedule. Some smaller institutions occasionally stay open or offer limited services, but this is rare.

What you can and cannot do on June 19th

You cannot: Visit a branch in person, speak to a teller, use the branch ATM, or reach customer service through the main phone line. If you need a cashier's check, notarization, or help opening a new account, you'll need to wait until June 20th.

You can: Use any ATM outside the branch (at other banks, grocery stores, gas stations, or your bank's network ATMs in other locations). Send money to another person through your bank's app or website. Pay bills online. Transfer money between your own accounts. Check your balance. Deposit checks through mobile deposit (if your bank offers it). Make purchases with your debit card.

If you need to withdraw a large amount of cash, do it on June 18th or earlier. ATM daily withdrawal limits typically range from $300 to $1,000 depending on your bank and account type, so plan ahead if you need more.

When deposits and transfers post after the holiday

Checks you deposit on June 19th won't post until at least June 20th, and may take longer depending on when you deposit them and your bank's processing schedule. Most banks process deposits overnight, but holiday timing can add a day.

Wire transfers and ACH transfers (like direct deposits or bill payments) sent on June 19th may also be delayed. If you're expecting a paycheck or need to send money urgently, plan to do it on June 18th instead. If you send a transfer on June 19th, ask your bank when it will actually move — the timing depends on whether the receiving bank is also closed.

Planning ahead for the holiday

If you know you'll need cash, withdraw it on June 18th. If you need to deposit a check, do it before the holiday or use mobile deposit if your bank offers it. If you're waiting for a paycheck or payment, confirm with your employer or the sender that it will arrive by June 18th, or expect it on June 20th or later.

If you have a time-sensitive banking need — like disputing a charge, reporting a lost card, or opening an account — contact your bank on June 18th. Some banks have holiday customer service lines, but these are not may provide. It's safer to handle urgent matters before the holiday.

If you have an emergency on June 19th

If your card is lost or stolen, call the number on the back of your card or your bank's fraud line. Most banks staff these lines on holidays because they're security-critical. Report the card when ready so it can be blocked.

If you need to dispute a transaction or report fraud, you can usually start the process through your bank's app or website, then follow up with customer service on June 20th. Document what happened and take screenshots so you have the details ready.

Frequently Asked Questions

Can I use my debit card on June 19th?

Yes. Your debit card works normally on holidays for purchases and ATM withdrawals. The only thing that stops working is the branch itself and direct phone support.

Will my direct deposit post on June 19th?

Probably not. Most employers process payroll the day before a federal holiday so deposits land on the last business day before the holiday. If your employer processes on the holiday itself, the deposit may arrive on June 20th instead. Check with your HR or payroll department if you're unsure.

What if I need to cash a check on June 19th?

You can't cash it at your bank branch. Some grocery stores and check-cashing services cash checks on holidays, though they may charge a fee. Your best option is to deposit it through mobile deposit if your bank offers it, or wait until June 20th.

Do online banks close on Juneteenth?

Online-only banks (like Ally, Charles Schwab, or Discover) don't have physical branches, so there's nothing to close. You can transfer money, pay bills, and manage your account normally. Customer service phone lines may have reduced hours, but the website and app work 24/7.

Can I still pay my bills on June 19th?

Yes, through your bank's website or app. If you're paying by check, mail it early so it arrives on time. If you're setting up an automatic payment, do it before June 19th so it processes on schedule.