Most banks will be closed on Good Friday, April 18, 2025

Good Friday is a federal holiday in the United States, which means most banks observe it as a day off. If your bank is part of a major national chain — Bank of America, Wells Fargo, Chase, Citibank, or similar — it will almost certainly be closed on April 18, 2025. Your branch will not open that day, and you will not be able to visit in person or use the drive-through.

However, you can still access your money through ATMs and online banking. ATMs work on holidays because they run 24/7 without staff. You can withdraw cash, check your balance, and transfer money between your own accounts using the ATM or your bank's website or app. If you need to speak to someone or handle a transaction that requires a person — like opening a new account, getting a cashier's check, or disputing a charge — you will need to wait until Saturday, April 19, or Monday, April 21.

Key Takeaways

  • National banks close their physical branches on Good Friday, April 18, 2025, but ATMs and online banking remain available.
  • If you need cash before the holiday, withdraw it on Thursday, April 17, or use an ATM on Friday.
  • Credit unions and smaller regional banks may have different holiday schedules, so check with your specific institution.
  • Any transactions that require speaking to a banker or handling documents will need to wait until the branch reopens.

How to check your specific bank's Good Friday hours

The safest way to know for certain is to contact your bank directly. Call the phone number on the back of your debit card, visit your bank's website, or use the branch locator tool to find your local branch and see its holiday hours listed there. Some banks post holiday schedules weeks in advance.

If you bank at a credit union instead of a traditional bank, call ahead — credit unions are not required to follow the same federal holiday schedule as banks. Some stay open on Good Friday, while others close. Your credit union's website or a quick phone call will tell you whether your branch is open on April 18.

What you can do on Good Friday without visiting a branch

ATMs work around the clock, so you can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), and transfer money between your own accounts at any time on Good Friday. Most banks also let you set up bill payments, send money to other people, and check your balance through their website or mobile app without needing to visit a branch.

If you need to pay a bill or send money to someone else, do it online or through your bank's app before the holiday. If you are expecting a check to arrive or waiting for a deposit to clear, remember that banks do not process deposits on holidays, so anything that arrives on Friday will not post to your account until Monday or Tuesday.

Planning ahead for Good Friday transactions

If you know you will need something from your bank on or around Good Friday, handle it on Thursday, April 17. This is the time to get a cashier's check, order new debit cards, open a new account, or ask questions that require speaking to a banker. Waiting until Friday means waiting until Saturday at the earliest, or Monday if your bank is not open on Saturday.

If you are expecting a paycheck or other deposit on Friday, remember that it will not show up in your account until the bank reopens. Plan your spending accordingly if you are counting on that money over the weekend.

Banks that may have different Good Friday hours

Most large national banks treat Good Friday as a full closure, but some smaller regional banks or credit unions may stay open or have reduced hours. Online-only banks like Ally, Charles Schwab, or Discover do not have physical branches, so the holiday does not affect them — you can manage your account anytime through their app or website.

If you bank with a smaller institution or a credit union, do not assume they follow the same schedule as Chase or Bank of America. A quick call or website check takes two minutes and saves you a wasted trip on Friday.

What happens if you need emergency banking on Good Friday

If you have a genuine emergency — your debit card is lost or stolen, your account has been compromised, or you need to report fraud — call your bank's customer service line. Most banks have a 24/7 phone line for emergencies, even on holidays. The number is usually on the back of your debit card or on your bank's website.

For non-emergency issues that cannot wait until Saturday, you may be able to use a different bank's ATM (though you might pay a fee), or you can handle the transaction online if it does not require a person.

Frequently Asked Questions

Can I use my debit card at other banks' ATMs on Good Friday?

Yes. ATMs from other banks work on holidays. You may be charged a fee by the ATM owner (usually $1 to $3), but you can withdraw cash. Your own bank's ATM will not charge you a fee.

Will my paycheck deposit on Friday if it arrives on Good Friday?

No. Banks do not process deposits on federal holidays. A check or direct deposit that arrives on Friday will not post to your account until Monday or Tuesday, depending on your bank's processing schedule.

Are online banks closed on Good Friday?

No. Banks that operate only online, like Ally or Charles Schwab, do not close on holidays because they have no physical branches. You can access your account and move money anytime.

What if I need a cashier's check on Good Friday?

You cannot get one on Friday if your branch is closed. You will need to go on Thursday, April 17, or wait until Saturday or Monday. Some banks offer Saturday hours, so check your branch's schedule.

Do all credit unions close on Good Friday?

No. Credit unions set their own holiday schedules. Some close on Good Friday, others stay open. Contact your credit union directly to find out whether your branch is open on April 18.