Banks close on federal holidays, weekends, and sometimes for local observances
Most banks in the United States close on Saturdays, Sundays, and the 11 federal holidays that the Federal Reserve recognizes. Tomorrow's closure depends on what day tomorrow is and whether it falls on one of those dates. If tomorrow is a weekday that is not a federal holiday, your bank is almost certainly open — though hours may vary by location and branch.
The federal holidays when banks close are: 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. Some banks also close on Election Day or observe additional state or local holidays, so the exact closure calendar can shift by region and institution.
Even when a bank building is closed, you can still move money through ATMs, mobile apps, and online banking. Transfers and payments initiated outside business hours will process the next business day, not when ready.
Key Takeaways
- Banks close on all 11 federal holidays recognized by the Federal Reserve, plus weekends, so check whether tomorrow falls on one of those dates.
- Some banks observe additional state or local holidays beyond the federal list, so your specific bank may have a different schedule than another institution.
- ATMs, mobile apps, and online banking work 24/7 even when the physical branch is closed, though transactions posted outside business hours settle the next business day.
- If you need to speak to someone at your bank tomorrow and it is closed, call the customer service number on your card or statement — many banks staff phone lines on holidays.
How to check if your bank is open tomorrow
The fastest way is to search "[Your Bank Name] hours" plus your city or zip code. Google, Apple Maps, and the bank's own website all show branch hours and whether a location is open tomorrow. Most banks also list their holiday schedule on the main website under "Hours" or "Locations."
If you cannot find the information online, call the branch directly or use the customer service number on the back of your debit card. A representative can tell you whether that specific branch is open and what time it closes.
What you can do when the bank is closed
ATMs work around the clock, so you can withdraw cash, deposit checks, and check your balance any time. Deposits made at an ATM after business hours are usually credited the next business day, not when ready.
Mobile banking apps and online banking portals let you transfer money between your own accounts, pay bills, and send money to other people through services like Zelle or your bank's own transfer tool. These transactions are initiated outside business hours but will not actually move the money until the next business day when the bank processes them.
If you need to speak to someone, most banks have customer service phone lines open on weekends and holidays. The number is on your debit card, in your online banking portal, or on the bank's website. Some banks also offer chat support through their apps.
When transactions actually post if the bank is closed
A transaction you initiate when the bank is closed will not settle until the next business day. If tomorrow is a holiday and the day after is also not a business day (for example, if tomorrow is Friday before a long weekend), your transaction will not post until the following business day.
This matters if you are counting on money arriving by a certain date. A payment sent on a Friday evening will not clear until Monday. A payment sent on a holiday will not clear until the next day the bank is open. Plan accordingly if you have bills due or need funds to arrive by a specific time.
Federal holidays when all banks close
| Holiday | Typical Date |
|---|---|
| New Year's Day | January 1 |
| Martin Luther King Jr. Day | Third Monday in January |
| Presidents' Day | Third Monday in February |
| Memorial Day | Last Monday in May |
| Juneteenth | June 19 |
| Independence Day | July 4 |
| Labor Day | First Monday in September |
| Columbus Day | Second Monday in October |
| Veterans Day | November 11 |
| Thanksgiving | Fourth Thursday in November |
| Christmas | December 25 |
When a federal holiday falls on a weekend, banks typically observe the holiday on the nearest weekday. If Christmas falls on a Saturday, for example, banks close on Friday instead.
State and local holidays that may affect your bank
Beyond the 11 federal holidays, some states and cities observe additional holidays where banks may close. These vary widely by location. For example, some banks in Hawaii close on Hawaii Statehood Day, and some in Texas close on Texas Independence Day. Your bank's website or a phone call to your branch will tell you which additional days affect your location.
Credit unions sometimes follow different holiday schedules than banks, so if you use a credit union, check its specific calendar rather than assuming it matches the federal list.
Frequently Asked Questions
Can I still use my debit card if the bank is closed tomorrow?
Yes. ATMs work 24/7, and you can use your debit card to withdraw cash, check your balance, or deposit checks. Online and mobile banking also work around the clock. Transactions initiated outside business hours will process the next business day.
Will a check I deposit at an ATM tomorrow clear faster or slower?
It will clear the next business day, the same as if you deposited it during business hours. The day the bank is closed does not count toward the clearing timeline. If tomorrow is a holiday and the next day is also not a business day, the check clears the day after that.
What if I need to speak to someone at my bank and it is closed tomorrow?
Call the customer service number on your debit card or statement. Most banks staff phone lines on weekends and holidays, even when branches are closed. You can also use chat or email through the mobile app or website if you prefer not to call.
Does my credit union follow the same holiday schedule as banks?
Not always. Credit unions set their own holiday schedules, though many follow the federal list. Check your credit union's website or call to confirm whether it is open tomorrow. Some credit unions stay open on days when banks close.
If I send money online tomorrow, when will the person receive it?
The transfer will not process until the next business day. If you send it through Zelle or a similar service, it may arrive the same business day or the next one, depending on the service and the receiving bank. Transfers sent on a holiday will not begin processing until the bank reopens.