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 branches for the day. This means you won't be able to visit a physical branch, use the ATM inside the building, or speak with a banker in person on April 10, 2026.
However, you can still access your money through online banking, mobile apps, and ATMs located outside the bank building (in grocery stores, gas stations, or other retail locations). These services run 24/7 regardless of whether the bank itself is open.
Some banks may have different policies, so if you need to do something that requires a banker's help, it's worth checking your specific bank's website or calling ahead to confirm their Good Friday hours.
Key Takeaways
- Bank branches close on Good Friday, April 10, 2026, because it is a federal holiday.
- You can still withdraw money from ATMs outside the bank building and use online or mobile banking on Good Friday.
- Checks you deposit on Good Friday will not be processed until the following business day (Monday, April 13).
- If you need to speak with a banker, plan your visit for Thursday, April 9, or wait until Monday, April 13.
- Credit unions and some online-only banks may have different holiday schedules, so check with your institution directly.
What you can and cannot do on Good Friday
On Good Friday, you lose access to the things that require a physical branch or a banker's decision. You cannot deposit checks in person, withdraw cash from a teller, open a new account, explore for a loan, or get a cashier's check. You also cannot use the ATM that sits inside the bank building itself.
What you can do: withdraw cash from any ATM outside the building, transfer money between your own accounts online, pay bills through your bank's website or app, check your balance, set up automatic payments, and deposit checks using mobile check deposit (if your bank offers it). Wire transfers initiated online may process, though some banks hold them until the next business day.
If you use a bank that operates only online (like Ally, Charles Schwab, or Discover Bank), Good Friday makes no practical difference to you—you already conduct all business through your phone or computer.
When deposits and payments actually post
This matters if you're counting on money arriving by a certain date. Any check you deposit on Good Friday—whether at an ATM, through mobile deposit, or in person on Thursday—will not be processed until Monday, April 13. The bank counts Good Friday as a non-business day, so the clock for check clearing does not start until the next business day.
The same applies to bill payments you schedule online on Good Friday. If you set a payment to go out "today," most banks will hold it and send it on Monday instead. If you set it for a specific future date, it will go out on that date (unless that date is also a holiday).
Wire transfers are less predictable. Some banks process wires initiated online on Good Friday; others hold them. If you need money to move on Good Friday itself, call your bank on Thursday to ask whether wires process that day, or use a service like PayPal or Venmo instead.
Credit unions and online banks may have different schedules
Most credit unions close on Good Friday, just like banks. However, some smaller or regional credit unions may stay open. If you belong to a credit union, check their website or call the branch directly—don't assume they follow the same schedule as big banks.
Online-only banks and financial technology companies (like PayPal, Square Cash, or Wise) typically do not observe Good Friday as a holiday. You can send money, check balances, and move funds on Good Friday with these services. However, if the money is going to a traditional bank account, that bank may not process it until Monday.
Planning ahead for Good Friday
If you know you'll need cash or need to deposit a check before Good Friday, do it on Thursday, April 9. This is especially important if you're waiting for a check to clear before you can use that money—depositing on Thursday gives you one extra business day.
If you receive a paycheck on Friday, April 10, and your employer deposits it directly to your account, it will post normally (direct deposit processes automatically). But if you receive a paper check on Good Friday, you cannot deposit it until Monday, and it won't clear until Wednesday at the earliest.
For bill payments due on or around Good Friday, schedule them a day or two early. If a payment is due on Friday, April 10, and you schedule it for Good Friday, it may not leave your account until Monday, which could be late. Pay on Thursday instead.
What happens if you need emergency cash
If you run out of money on Good Friday and need cash when ready, use an ATM outside the bank building. These machines work 24/7 and are not affected by bank holidays. You can also use your debit card to buy something small at a store and ask for cash back.
If you need to borrow money urgently, you cannot visit a bank branch, but you might be able to get a short-term loan through an online lender or a credit card cash advance (though both come with fees and interest). Some employers also offer paycheck advances if you're in a genuine bind.
Frequently Asked Questions
Can I use my debit card on Good Friday?
Yes. Your debit card works normally on Good Friday—you can use it to buy things, withdraw cash at any ATM, and make online purchases. The bank holiday only affects the physical branch and services that require a banker to process them.
Will my direct deposit paycheck post on Good Friday?
Yes, direct deposits process automatically on Good Friday just like any other day. If your employer deposits your paycheck on Friday, April 10, it will appear in your account on that day. Paper checks deposited on Good Friday will not clear until Monday.
What if my bank is open on Good Friday?
Some banks, particularly smaller regional banks or those in areas where Good Friday is not widely observed, may stay open. Check your bank's website or call the branch directly. If they are open, their hours may be shorter than usual.
Do I need to do anything special to prepare for Good Friday?
Only if you have a time-sensitive need: deposit checks on Thursday, schedule bill payments a day early, and withdraw extra cash if you think you'll need it. For most people, Good Friday is just a day when the branch is closed but everything else works normally.
Are ATMs inside the bank building open on Good Friday?
No. ATMs located inside the bank building close when the branch closes. Use an ATM in a grocery store, gas station, or other retail location instead. These are open 24/7 regardless of bank holidays.