Yes, most banks are closed on Presidents Day 2026, which falls on Monday, February 16
Presidents Day is a federal holiday, which means most banks observe it and close their branches for the day. If you need to do banking on that Monday, you will not be able to visit a physical branch. However, you can still use ATMs, online banking, and mobile apps to check balances, transfer money, or pay bills — those services run 24/7 even when branches are closed.
Some credit unions and smaller regional banks may have different holiday schedules, so if you bank at a smaller institution, it is worth checking their website or calling ahead to confirm. A few banks stay open on Presidents Day, though this is uncommon. Your bank's website usually lists its holiday hours under "Locations" or "Hours".
Key Takeaways
- Most bank branches close on Presidents Day (February 16, 2026), but ATMs and online banking remain available.
- Deposits made at ATMs on Presidents Day will typically post the next business day, Tuesday, February 17.
- If you need to speak to a banker or handle something that requires a person, plan to visit on Friday, February 13 or Tuesday, February 17.
- Credit unions and regional banks may have different schedules, so check your institution's website before the holiday.
What you can and cannot do on Presidents Day
On Presidents Day, you can use ATMs to withdraw cash, deposit checks (though they will not post until the next business day), and check your account balance. Online banking portals and mobile apps work normally. You can also call your bank's automated phone line to check balances or hear recent transactions, and you can pay bills online or through your bank's app.
What you cannot do is speak to a teller or a banker. If you need to open a new account, dispute a transaction, get a cashier's check, or discuss a loan, you will need to wait until the branch reopens. Some banks offer phone support on holidays for urgent issues — check your bank's website to see if they list a holiday customer service number.
When deposits posted on Presidents Day will show up
If you deposit a check at an ATM on Presidents Day, the deposit will be recorded in your account that day, but the funds will not actually post (become available to spend) until Tuesday, February 17. This is because the bank's processing centers are closed on the holiday and do not process deposits until the next business day.
Mobile check deposits (taking a photo of a check through your bank's app) follow the same timeline. The deposit shows as pending on Presidents Day, but clears on Tuesday. If you need the money urgently, deposit it on Friday, February 13 instead.
Planning ahead for Presidents Day banking
If you know you will need cash or need to handle banking on Presidents Day weekend, withdraw cash on Friday, February 13. If you need to deposit a check, do it Friday or wait until Tuesday — depositing on the holiday does not speed up the process.
If you have a time-sensitive banking need (a wire transfer, a new account, a loan decision), contact your bank on Friday to see if they can handle it before the holiday. Some banks will process urgent requests on Friday afternoon if you call ahead. For anything that can wait, straightforward plan to visit on Tuesday, February 17.
How Presidents Day affects bill payments and transfers
If you set up a bill payment or transfer to post on Presidents Day, most banks will process it on the next business day instead (Tuesday, February 17). Check your bank's website or app to see the exact timing — some show you the expected posting date when you schedule the payment.
If you are paying a bill that has a important date on Presidents Day, do not wait until the holiday. Pay it on Friday, February 13 to make sure it reaches the creditor on time. The same applies to rent, loan payments, or any bill with a specific due date.
What to do if your bank has unusual holiday hours
Some banks, particularly credit unions and community banks, may stay open on Presidents Day or have reduced hours. The only way to know is to check your specific bank's website or call the branch directly. Search for "[Your Bank Name] Presidents Day hours" or look for a "Locations" page that lists holiday schedules.
If you bank at a large national bank (Chase, Bank of America, Wells Fargo, Citibank, etc.), assume the branch is closed on Presidents Day unless the website says otherwise. If you bank locally, checking ahead takes two minutes and saves a wasted trip.
Frequently Asked Questions
Will my paycheck deposit on Presidents Day if my employer uses direct deposit?
No. If your employer normally deposits your paycheck on Monday, February 16, it will be delayed and deposit on Tuesday, February 17 instead. Most employers know about federal holidays and adjust their payroll schedules accordingly, so your check may actually be sent on Friday, February 13 to land in your account on Monday. Check with your payroll department if you are unsure.
Can I use my debit card on Presidents Day?
Yes. Your debit card works at stores, restaurants, and online merchants on Presidents Day. The bank branch is closed, but the payment networks are open. You can also use your card at ATMs to withdraw cash.
What if I need to dispute a charge on Presidents Day?
You cannot speak to someone at the bank on Presidents Day, but you can start a dispute through your online banking portal or mobile app on most banks' platforms. Document what happened, take screenshots, and file the dispute. A banker will review it when the branch reopens on Tuesday.
Do online banks close on Presidents Day?
Online-only banks (like Ally, Charles Schwab Bank, or Marcus) do not have physical branches, so there is nothing to "close." Their customer service may have reduced hours on Presidents Day, but your account and all online services remain accessible 24/7.
If I need cash over the Presidents Day weekend, what should I do?
Withdraw cash on Friday, February 13. ATMs work on Presidents Day, but if you wait until Monday and your ATM is out of cash or malfunctions, you will have no way to get money until Tuesday. Getting cash Friday eliminates that risk.