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

Good Friday is a federal holiday, and the vast majority of banks treat it as a day when branches close and staff do not work. If you need to deposit a check, withdraw cash, or speak to someone at your bank on that day, you will not be able to do so at a physical branch.

However, you can still access your money through ATMs, mobile apps, and online banking. Transfers between your own accounts, bill payments, and other digital transactions will process normally. The delay comes later: any deposits you make on Good Friday will not clear until the following business day (Monday, April 13, 2026), because the banking system itself does not process transactions on federal holidays.

Key Takeaways

  • Bank branches close on Good Friday, April 10, 2026, but ATMs and online banking remain available all day.
  • Checks deposited on Good Friday will not clear until Monday, April 13, 2026, because the Federal Reserve does not process transactions on federal holidays.
  • Wire transfers, bill payments, and account transfers initiated online on Good Friday will also not process until Monday.
  • Some credit unions and smaller regional banks may have different holiday schedules, so contact your institution directly if you are unsure.

What you can and cannot do on Good Friday

You can withdraw cash from any ATM that your bank operates or that is part of your bank's network. You can log into your online banking portal and move money between your own accounts. You can pay bills through your bank's bill-pay system. You can deposit checks using mobile deposit (the photo-based deposit feature in most banking apps). You can check your balance, review transactions, and set up alerts.

You cannot walk into a branch and speak to a teller or banker. You cannot deposit cash at a branch. You cannot get a cashier's check or money order from a teller. You cannot open a new account or explore for a loan in person. If your bank's customer service line is staffed (some banks do staff holiday lines), you may be able to call, but most banks do not.

When deposits and transfers actually clear

The Federal Reserve, which operates the clearing system that moves money between banks, does not process transactions on federal holidays. This means any check you deposit on Good Friday will sit in your bank's system until Monday morning, when the Fed resumes operations. Your bank may show the deposit in your account on Friday (as "pending"), but the money will not actually be available until Monday.

The same applies to wire transfers, ACH transfers (the standard way to move money between banks), and checks you write. If you mail a check on Friday, it will not be processed until Monday. If you initiate a wire transfer through your bank's website on Friday, it will not leave your account until Monday. Plan accordingly if you have bills due or need funds to clear by a specific date.

Which banks are definitely closed

All major national banks close on Good Friday: Bank of America, Wells Fargo, Chase, Citibank, U.S. Bank, PNC, and TD Bank all shut their branches. Regional banks and credit unions vary. Some treat Good Friday as a regular business day, while others close. Your best move is to check your bank's website or call the branch directly before Friday to confirm.

If you bank with a credit union, check the credit union's holiday schedule on its website. Some credit unions are part of shared branching networks, which means you can conduct limited transactions at other credit unions' branches even if yours is closed—but this varies by network and by transaction type.

Planning ahead for Good Friday

If you need cash on Good Friday, withdraw it on Thursday. If you have a check you need to deposit and the money needs to clear by a specific date, deposit it on Thursday instead. If you are paying a bill that is due on or shortly after Good Friday, pay it by Wednesday or use your bank's bill-pay system on Thursday so the payment processes on Monday morning.

If you are expecting a direct deposit (like a paycheck) on Good Friday, it will not hit your account until Monday. Employers typically schedule payroll to avoid federal holidays, but if yours is set for Friday, the deposit will be delayed. Contact your payroll department if you are unsure when your next deposit is scheduled.

Online and mobile banking work normally

Your bank's app and website will be fully functional on Good Friday. You can check balances, review recent transactions, set up alerts, and manage your account settings. You can initiate bill payments and transfers between your own accounts. The transactions will be queued and will process when the banking system resumes on Monday.

Mobile deposit (depositing a check by photographing it in your app) will also work on Friday. The image will be captured and submitted to your bank, but the check will not clear until Monday. Some banks allow you to see a pending deposit in your account when ready after you submit the photo, but the funds will not be available for withdrawal until the Fed processes it on Monday.

Frequently Asked Questions

Can I use my debit card on Good Friday?

Yes. Debit cards work at merchants and ATMs on Good Friday just like any other day. The transaction will process normally at the point of sale. The only delay is if you are depositing a check or transferring money between banks—those clear on Monday.

Will my paycheck arrive on Good Friday if it is scheduled for that day?

Probably not. Most employers schedule payroll to avoid federal holidays, so your paycheck will likely arrive on Thursday or Monday instead. Check with your payroll department or your bank's deposit schedule to confirm when your next deposit is expected.

What if I need to speak to someone at my bank on Good Friday?

Call the customer service number on the back of your card or on your bank's website. Some banks staff their phone lines on major holidays, but many do not. If you reach an automated system, you may be able to handle routine tasks like reporting a lost card or checking your balance. For complex issues, you will likely need to wait until Monday.

Do online-only banks close on Good Friday?

Online-only banks like Ally, Charles Schwab Bank, and Marcus do not have physical branches, so there is nothing to "close." Their websites and apps work normally on Good Friday. Deposits and transfers still follow the same Federal Reserve schedule, so checks will not clear until Monday.

Can I still use ATMs on Good Friday?

Yes. ATMs operate 24/7 on Good Friday just like any other day. You can withdraw cash, deposit checks using ATM envelopes (though the check will not clear until Monday), and check your balance.