Most banks are closed on June 20 if it falls on a weekend; if it's a weekday, most branches open at 9 a.m. and close between 4 and 6 p.m.
Whether your bank is open on June 20 depends on two things: what day of the week it is, and whether your bank observes Juneteenth as a federal holiday. If June 20 is a Saturday or Sunday, all traditional bank branches are closed. If it's a weekday and your bank does not observe Juneteenth (June 19), standard hours explore. If your bank does observe Juneteenth and June 20 is the observed holiday (because June 19 falls on a weekend), the branch will be closed.
The safest way to know is to call your specific branch or check your bank's website for its holiday calendar. Banks do not all follow the same holiday schedule, and some branches in different states may have different hours.
Key Takeaways
- If June 20 is a Saturday or Sunday, your bank branch is closed; if it's a weekday, most branches open at 9 a.m. and close between 4 and 6 p.m.
- Some banks close on June 19 (Juneteenth) or June 20 if that is when they observe the federal holiday, so check your bank's holiday schedule.
- ATMs and mobile banking apps work 24/7 regardless of branch hours, so you can withdraw cash or transfer money even when the branch is closed.
- Calling your branch directly or visiting your bank's website is faster than guessing, because holiday schedules vary by bank and sometimes by location.
How to find your bank's hours for June 20
The fastest way is to search "[Your Bank Name] hours" plus your city or zip code. Most banks display branch hours and holiday closures on their website homepage or in a dedicated locations page. You can also call your branch directly—the phone number is usually on your debit card or in your online banking portal.
If you use a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, you can also use their mobile app to find nearby branches and see real-time hours. Regional banks and credit unions may have less detailed online information, so a phone call is often the most reliable option.
Federal holidays that close most banks
Banks close on 11 federal holidays each year. Juneteenth (June 19) became a federal holiday in 2021, so most banks now close on that date. If June 19 falls on a Saturday, many banks observe the holiday on Friday, June 18. If June 19 falls on a Sunday, the observed holiday is usually Monday, June 20.
The other federal holidays that close banks are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Not every bank observes every holiday the same way, so it is worth checking your bank's specific calendar.
What you can do when the branch is closed
ATMs work 24/7, so you can withdraw cash, deposit checks (if your ATM has mobile deposit), and check your balance anytime. Mobile banking apps let you transfer money between your own accounts, pay bills, and send money to other people without visiting a branch.
If you need to speak to someone, most banks offer phone support during extended hours or on weekends, though you may reach a call center rather than your local branch. Some banks also offer chat support through their app or website. For urgent matters like a lost card or fraud, call the number on the back of your card—customer service lines usually operate even on holidays.
When you actually need a branch to be open
Most banking tasks no longer require a physical branch. Wire transfers, large cash deposits, and notarization are the main reasons people need to visit in person. If you need to do something that requires a teller or manager, call ahead to confirm the branch is open and ask how long the task typically takes.
If June 20 is a holiday and you have an urgent banking need, check whether a nearby branch in a different city or state is open. Some banks keep select branches open on holidays, especially in areas with high foot traffic or in states that do not observe the same holidays.
Banks that may have different hours on June 20
Credit unions sometimes have different holiday schedules than national banks. Some credit unions observe Juneteenth, others do not. Online banks like Ally, Charles Schwab, and Marcus have no physical branches, so they do not close on any day—you can transfer money and manage your account anytime.
If you bank with a smaller regional bank or a credit union, their website or a phone call is the only reliable way to know. Do not assume they follow the same schedule as Chase or Bank of America.
Planning ahead for holiday banking
If you know you will need cash or need to make a deposit on or around June 20, withdraw or deposit a few days earlier. If you are expecting a check, remember that deposits made on a holiday may not post until the next business day.
For bill payments or transfers, schedule them through your mobile app or online banking portal a day or two before the holiday. Most banks process scheduled transactions on the next business day if you submit them during a closure.
Frequently Asked Questions
Will my bank be open on June 20, 2025?
June 20, 2025 is a Friday. If your bank observes Juneteenth (June 19), it will be closed on June 19, not June 20. Most branches will be open on June 20 with standard hours. Call your branch or check your bank's website to confirm.
Can I use my ATM if the branch is closed on June 20?
Yes. ATMs work 24/7 regardless of branch hours. You can withdraw cash, check your balance, and deposit checks (if your ATM supports mobile deposit) anytime, even on holidays when the branch is closed.
What if I need to deposit a large amount of cash on June 20?
If the branch is closed, you cannot deposit cash in person. Deposit it a day earlier, or use your ATM if it accepts cash deposits. If your ATM does not accept deposits, wait until the branch reopens. Large cash deposits may also trigger reporting requirements, so ask your bank about that when you visit.
Do online banks close on June 20?
No. Online banks with no physical branches operate 24/7 and do not close on any holiday. You can transfer money, pay bills, and manage your account anytime. Processing times for transfers to other banks may still take one to two business days.
Will my paycheck deposit on June 20 if the bank is closed?
Direct deposits usually post on schedule even if the branch is closed, because they are processed automatically. If June 20 is a holiday, your deposit may post on June 20 or on the next business day depending on your employer's payroll timing and your bank's processing schedule. Check with your employer or bank if you are unsure.