Most banks will be closed on Good Friday, April 10, 2026

Good Friday is a federal holiday in the United States, and most banks observe it by closing their physical branches. If you need to deposit a check, withdraw cash, or speak to someone in person, you will not be able to do so at a traditional bank branch on that day.

However, you can still move money on Good Friday through ATMs, online banking, and mobile apps. Transfers between your own accounts, bill payments, and peer-to-peer payments all work normally. The closure affects only in-person services at the branch itself.

Some credit unions and smaller regional banks may have different policies, so if you bank somewhere other than a major national chain, it is worth checking your institution's website or calling ahead.

Key Takeaways

  • Bank branches close on Good Friday, April 10, 2026, because it is a federal holiday.
  • ATMs, online banking, and mobile apps remain available and work normally on Good Friday.
  • Transfers, bill payments, and deposits through your phone or computer process the same way they do on any other day.
  • Credit unions and regional banks may have different holiday schedules, so check with your specific institution.
  • Any transactions you initiate on Good Friday will process when the bank reopens on Monday, April 13.

What you can and cannot do on Good Friday

You cannot walk into a branch and speak to a teller, deposit a check in person, or access a safe deposit box. You also cannot get a cashier's check or wire money through the branch. If you need cash and do not have it on hand, an ATM will dispense it from your account.

You can transfer money between your own accounts online or through your bank's app. You can pay bills through your bank's bill pay system. You can deposit checks using mobile check deposit, which most banks offer through their app. You can send money to another person through Venmo, PayPal, or your bank's peer-to-peer service. You can also initiate wire transfers through online banking at most institutions, though the actual movement of the money may not complete until the next business day.

The key difference is timing: transactions you start on Good Friday will process when the bank reopens on Monday, April 13. A check you deposit Friday morning will not clear until Monday or later. A bill payment you schedule for Friday will go out Monday. A wire transfer initiated Friday will move Monday.

Which banks close and which stay open

All major national banks close on Good Friday. This includes Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC, and TD Bank. Their branches will be dark, and you will not reach a person by phone at the branch.

Most credit unions also close on Good Friday, though some smaller or regional ones may stay open. Your credit union's website will show its holiday schedule, or you can call the main number to confirm.

Online-only banks like Ally, Charles Schwab Bank, and Marcus do not have physical branches, so the holiday does not affect them in the same way. You can still use their apps and websites on Good Friday, and customer service may be available depending on the bank's staffing policy.

If you use a smaller regional bank, check its website or call before Good Friday to confirm whether it will be open. Some regional institutions do not observe all federal holidays.

Planning ahead for Good Friday

If you need cash on Good Friday, withdraw it on Thursday, April 9. If you need to deposit a check, use your bank's mobile app to photograph and deposit it before Friday, or wait until Monday. If you need to pay a bill by a specific date, schedule it for Thursday or earlier in the week.

If you have a time-sensitive transaction that requires speaking to someone at the bank—such as a dispute, a fraud claim, or a large wire—handle it Thursday. The bank's customer service line may have reduced hours or may not answer at all on Friday.

For routine transactions like checking your balance, paying bills online, or transferring money between your accounts, Good Friday makes no practical difference. These happen through systems that run 24/7.

What happens to deposits and transfers on Good Friday

A check you deposit through your mobile app on Good Friday will be processed when the bank reopens Monday. The bank will not begin clearing it until then, so the funds will not appear in your account until Monday or Tuesday, depending on the check's origin bank.

A transfer you initiate between two accounts at the same bank on Good Friday will usually post by Monday morning, though some banks process these overnight. A transfer to another bank (an ACH transfer) initiated on Good Friday will typically post on Monday or Tuesday.

If you schedule a bill payment for Good Friday through your bank's bill pay system, the bank will send it on Monday. If you need the payment to arrive by a specific date, schedule it for Thursday instead. Most bill payments take one to three business days to reach the payee after the bank sends them.

Frequently Asked Questions

Can I use my debit card on Good Friday?

Yes. Your debit card works at any merchant or ATM on Good Friday. The bank closure only affects the physical branch and phone support. ATMs dispense cash normally, and card transactions process as usual.

Will my direct deposit arrive on Good Friday?

No. If your employer normally deposits your paycheck on Friday, April 10, it will arrive on Monday, April 13 instead. Most employers adjust their payroll schedule around federal holidays so deposits land on the last business day before the holiday.

Can I get a cashier's check on Good Friday?

No. Cashier's checks require a teller, and the branch will be closed. If you need one, get it on Thursday. Some banks allow you to order a cashier's check online for pickup, but you would still need to pick it up before Friday.

What if I need to report fraud on Good Friday?

Call your bank's fraud line. Most major banks staff their fraud departments on holidays because fraud does not stop. The number is usually on the back of your card. Online, you can also report fraud through your bank's app or website, and the bank will investigate when it reopens Monday.

Do online banks close on Good Friday?

Online banks do not have branches, so there is no physical closure. However, customer service phone lines may have reduced hours or be closed entirely. You can still use the app and website normally. Check your bank's website for its specific holiday schedule.