Most banks will be open on Christmas Eve 2025, but with shorter hours

Christmas Eve falls on a Monday in 2025. Most banks will open that day, though many branches close earlier than usual — often at 2 p.m. or 3 p.m. instead of their normal 5 p.m. or 6 p.m. closing time. Some branches in smaller towns or rural areas may close at noon. A few banks close entirely on Christmas Eve, so you cannot assume your branch will be open without checking first.

The safest approach is to call your bank's local branch directly or check their website for Christmas Eve hours. Most banks post holiday schedules online by early December. If you need to do banking on Christmas Eve, plan to go in the morning or early afternoon rather than waiting until late in the day.

Key Takeaways

  • Most bank branches are open on Christmas Eve 2025, but many close 2 to 3 hours earlier than their regular weekday hours.
  • Your specific branch's hours depend on the bank and location, so calling ahead or checking online is the only way to know for certain.
  • ATMs and online banking work on Christmas Eve regardless of branch hours, so you can withdraw cash or transfer money without visiting a branch.
  • If you need to see a banker in person on Christmas Eve, go in the morning when branches are less crowded and you have more time before they close.

How to find your bank's Christmas Eve hours

Start with your bank's website. Most large banks — Bank of America, Chase, Wells Fargo, Citibank, and others — publish holiday hours on their homepage or in a dedicated holiday schedule section by early December. Search for "holiday hours" or "Christmas hours" on the site.

If you cannot find the information online, call your local branch directly. The phone number is usually on your debit card, your bank statements, or in the bank's mobile app. When you call, ask specifically about Christmas Eve hours and whether the branch will be open at all. Staff can also tell you if there are other branches nearby with different hours.

Credit unions often have different hours than national banks. If you bank with a credit union, check their website or call your local branch, as hours vary widely by institution and location.

What you can do without visiting a branch

You do not need a branch open to handle most banking tasks on Christmas Eve. ATMs work 24 hours a day, so you can withdraw cash, deposit checks (at ATMs that accept deposits), and check your balance anytime. Online banking and mobile apps also work around the clock, letting you transfer money between accounts, pay bills, and send money to other people.

If you need to deposit a check and your ATM does not accept deposits, you can use mobile check deposit through your bank's app — most banks offer this feature. Take a photo of the front and back of the check, and the bank processes it within one or two business days. This works on Christmas Eve just as it does any other day.

Banks closed on Christmas Day itself

Christmas Day 2025 falls on a Tuesday. All banks are closed on Christmas Day because it is a federal holiday. This means no branches are open, no tellers are working, and you cannot do in-person banking. ATMs and online banking still work, so you can withdraw cash and transfer money electronically.

If you need cash on Christmas Day, withdraw it on Christmas Eve or use an ATM. If you need to deposit a check, use mobile check deposit through your app or wait until the day after Christmas (Wednesday, December 26). Checks deposited on Christmas Day through mobile deposit will be processed starting the next business day.

Planning ahead for the holiday weekend

Christmas Eve is a Monday, Christmas Day is a Tuesday, and the following day (Wednesday, December 26) is a normal business day. If you need to do banking in person, Christmas Eve is your final note before the holiday. Wednesday, December 26 is the first day branches reopen with regular hours.

If you are paying bills or sending money electronically, remember that transactions sent on Christmas Eve may not process until after the holiday. Banks do not process electronic transfers on Christmas Day. If a payment is time-sensitive, send it before Christmas Eve or wait until December 26.

What to bring if you visit on Christmas Eve

Bring your ID and your debit card or account number. If you are depositing a check, bring the check and your deposit slip (or just the check — tellers can process it without a slip). If you are withdrawing cash, bring your ID and debit card. If you are opening a new account, bring two forms of ID and proof of address (a utility bill or lease works).

Because many branches close early on Christmas Eve, arrive with time to spare. If a branch closes at 2 p.m. and you arrive at 1:45 p.m., staff may not have time to help you with anything complex. Plan to arrive at least 30 minutes before closing time.

Frequently Asked Questions

Can I use my ATM on Christmas Eve?

Yes. ATMs work 24 hours a day, seven days a week, including Christmas Eve and Christmas Day. You can withdraw cash, deposit checks (if your ATM accepts deposits), and check your balance anytime without visiting a branch.

What if I need to deposit a check on Christmas Eve and my branch closes early?

Use mobile check deposit through your bank's app if you have it. Take photos of the front and back of the check and submit them through the app. The bank will process it by the next business day. If your app does not have mobile deposit, you can mail the check or deposit it at an ATM if your bank's ATMs accept deposits.

Are all banks closed on Christmas Day?

Yes. Christmas Day is a federal holiday, so all banks are closed. No branches are open, and no tellers are working. ATMs and online banking still work, so you can withdraw cash and transfer money electronically.

Will my wire transfer go through on Christmas Eve?

Wire transfers sent before your bank's cutoff time on Christmas Eve will process that day. Most banks stop accepting wire transfers in the early afternoon on Christmas Eve. If you send a wire after the cutoff or on Christmas Day, it will not process until December 26. Call your bank to ask what time their cutoff is.

Do credit unions have the same Christmas Eve hours as banks?

No. Credit unions set their own hours, and they vary by institution and location. Some credit unions close on Christmas Eve, while others stay open with reduced hours. Check your credit union's website or call your local branch to find out their specific Christmas Eve schedule.