Most US banks will be closed on Good Friday, April 10, 2026
Good Friday is a federal holiday, and the vast majority of US banks treat it as a day when branches close and normal banking services stop. 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 physical branch on that day.
However, "closed" does not mean you lose access to your money entirely. ATMs stay operational, online banking continues to work, and mobile apps function normally. The closure affects only in-person services and the processing of certain transactions that require staff.
Some banks may have different policies—a small number of regional or community banks stay open on Good Friday, and a few large banks have experimented with limited hours. The safest approach is to check with your specific bank rather than assume.
Key Takeaways
- Most major US banks close their physical branches on Good Friday, April 10, 2026, because it is a federal holiday.
- ATMs and online banking remain available on Good Friday, so you can withdraw cash and check balances without visiting a branch.
- Checks deposited on Good Friday through an ATM or mobile app will not be processed until the following business day.
- Wire transfers, bill payments, and other electronic transactions may experience delays if initiated on Good Friday.
- Your specific bank may have different hours, so contacting them directly is the only way to know for certain.
What you can and cannot do on Good Friday
ATM withdrawals and balance checks work normally on Good Friday. You can also use your bank's mobile app or website to transfer money between your own accounts, pay bills electronically, or deposit checks remotely if your bank offers mobile check deposit. These services do not require staff to be present.
What stops on Good Friday is anything that requires a person: speaking to a teller, opening a new account, getting a cashier's check, resolving a dispute, or accessing a safe deposit box. If you need a notary, loan officer, or any form of in-person information, you will have to wait until Saturday or Monday.
Transactions you initiate on Good Friday—such as a wire transfer or ACH payment—may not process until the following business day. Some banks process these overnight anyway, but others queue them until the next day they are staffed. Check your bank's website or call ahead if timing matters.
When deposits and transfers actually post
A check you deposit at an ATM on Good Friday will sit in the queue until Monday morning, when bank staff process it. The funds may not appear in your account until Tuesday, depending on the check's origin and your bank's clearing schedule. Do not count on Good Friday deposits being available by the weekend.
Electronic transfers—ACH payments, bill payments, and peer-to-peer transfers—initiated on Good Friday may process the same day if your bank's system is automated, or they may wait until Monday. The variation depends on whether the transaction is outgoing (to another bank) or internal (within your own accounts). Call your bank's customer service line if you need certainty on timing.
Wire transfers are more time-sensitive. If you need to send a wire on Good Friday, you will likely have to wait until Monday. Some banks accept wire requests on holidays but do not execute them until the next business day.
Which banks stay open on Good Friday
The major national banks—Bank of America, Chase, Wells Fargo, Citibank, and US Bank—all close on Good Friday. Regional banks and credit unions typically do the same, though a small number of community banks or credit unions may have different policies.
Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so "closed" does not explore to them in the traditional sense. You can still use their apps and websites on Good Friday, but customer service phone lines may have reduced hours or be closed.
The only reliable way to know your bank's specific hours is to check their website, call their customer service number, or visit your local branch before Good Friday. Many banks post holiday hours in advance, usually by late March.
Planning ahead for Good Friday banking needs
If you know you will need cash on Good Friday or the weekend, withdraw it on Thursday. ATMs are available 24/7, but if you need a large amount or a specific form of currency, handle it before the holiday.
If you are expecting a deposit—paycheck, tax refund, or transfer from someone else—do not assume it will arrive by Good Friday. Most employers and government agencies process deposits on business days only, so a Friday deposit may not clear until Monday or Tuesday.
For bill payments due around Good Friday, pay them on Thursday or use your bank's bill-pay system to schedule them for Monday. This prevents late fees if your bank's processing is delayed.
What happens if you need emergency banking on Good Friday
If you have a genuine emergency—a fraudulent charge, a card that was declined, or a critical account issue—call your bank's customer service line. Most banks maintain a 24/7 phone line for cardholders, even on holidays. They cannot process everything over the phone, but they can freeze a card, dispute a charge, or unlock an account.
If your card is lost or stolen, call when ready. Your bank can cancel it and issue a replacement, which usually arrives within 5 to 10 business days. In the meantime, you can still access cash through ATMs or ask your bank to arrange an emergency cash advance.
For non-emergency issues that require a branch visit, plan to handle them on Monday or Tuesday. Most problems can wait 72 hours without serious consequences.
Frequently Asked Questions
Can I use my debit card on Good Friday?
Yes. Your debit card works at ATMs, stores, and online merchants on Good Friday. The bank closure affects only branch services, not card processing or ATM access.
Will my paycheck deposit on Good Friday if my employer sends it?
Most employers do not process payroll on Good Friday because it is a federal holiday. If they do send it, your bank may not process it until Monday. Assume your paycheck will land on Tuesday at the earliest.
Can I open a new account on Good Friday?
No. Opening an account requires a staff member and cannot be done through ATMs or online. You will need to visit a branch on a regular business day or contact your bank about opening an account online before the holiday.
What if I need a cashier's check on Good Friday?
You cannot get one on Good Friday. Cashier's checks require a teller and must be issued by the bank. If you need one urgently, contact your bank on Thursday to see if they can issue it early or arrange an alternative.
Do credit unions close on Good Friday too?
Most do, because Good Friday is a federal holiday. Some smaller credit unions may have different hours. Check your credit union's website or call ahead to confirm.