Most banks will be closed on Black Friday 2025
Black Friday falls on November 28, 2025, and most banks treat it as a regular business holiday. Major banks including Bank of America, Chase, Wells Fargo, and Citibank will be closed that day. You will not be able to visit a branch, speak to a teller, or conduct in-person transactions.
However, you can still access your money through ATMs and online banking. ATMs operate 24/7 regardless of whether the branch is open, so you can withdraw cash, check balances, and transfer funds electronically. Mobile apps and websites remain available all day.
If you need cash before Black Friday, withdraw it on Thursday, November 27. If you need to deposit a check or handle something that requires a teller, do that on Thursday as well. Banks reopen on Saturday, November 29, with normal weekend hours (usually 9 a.m. to 1 p.m., though this varies by location).
Key Takeaways
- Bank branches close on Black Friday, November 28, 2025, but ATMs and online banking work normally.
- Withdraw cash and make deposits on Thursday, November 27, if you need them over the weekend.
- Transfers, bill payments, and account changes can be done through your bank's app or website on Black Friday.
- Banks reopen Saturday, November 29, with weekend hours that typically run 9 a.m. to 1 p.m.
- Credit unions may have different holiday schedules, so check with your institution directly if you bank with a credit union.
What you can and cannot do on Black Friday
You cannot visit a branch, speak to a banker in person, or use teller services on Black Friday. You also cannot deposit checks at a physical location or access a safe deposit box. If you need to dispute a transaction or report fraud, you can call your bank's fraud line—most maintain 24/7 phone support even on holidays—but you may not reach a regular customer service representative.
You can deposit checks through mobile deposit (taking a photo of the check through your app), transfer money between your own accounts, pay bills online, set up automatic payments, check your balance, and dispute transactions through your app or website. You can also use ATMs to withdraw cash, deposit cash (if your bank's ATMs support cash deposits), and transfer funds between accounts.
ATM access and online banking on Black Friday
ATMs do not close on holidays. You can withdraw cash, check your balance, and make transfers at any ATM belonging to your bank or within your bank's ATM network. If you use an out-of-network ATM, you may be charged a fee, but the transaction will still go through.
Online banking and mobile apps work normally on Black Friday. Log in to your bank's website or app to pay bills, transfer money, set up alerts, or review your account. These services are not affected by branch closures. If you encounter a technical problem, you may not reach technical support until Saturday, so plan accordingly if you need to troubleshoot something.
Credit unions and smaller banks may have different hours
Credit unions do not all follow the same holiday schedule as major banks. Some credit unions close on Black Friday, while others remain open with reduced hours. Call your credit union directly or check their website to confirm whether they are open on November 28.
Smaller regional banks and community banks also vary. Some close on Black Friday; others stay open. If you bank with a credit union or a bank that is not one of the "Big Four" (Bank of America, Chase, Wells Fargo, Citibank), contact your institution directly. Their website usually lists holiday hours, or you can call their main line to ask.
Planning ahead for Black Friday banking needs
If you plan to shop on Black Friday and need cash, withdraw it on Thursday. If you are expecting a direct deposit or a check to clear, remember that banks do not process transactions on holidays. A check deposited on Black Friday will not clear until Monday or Tuesday, depending on your bank's processing timeline.
If you are paying bills online, do that on Thursday or earlier in the week. If you wait until Black Friday to pay a bill due on Friday, November 28, the payment may not post in time, and you could face a late fee. Most online bill payments take one to three business days to reach the payee.
If you need to report fraud or a disputed transaction, call your bank's fraud line on Black Friday—these lines typically operate 24/7. Have your account number and the transaction details ready. You can also report fraud through your mobile app, and your bank will investigate even though the branch is closed.
Saturday and Monday hours after Black Friday
Banks reopen on Saturday, November 29, with weekend hours. Most major banks are open Saturday from 9 a.m. to 1 p.m., though some locations stay open until 3 p.m. Sunday, November 30, most banks are closed. Monday, December 1, is a regular business day, and branches operate on their normal weekday schedule (usually 9 a.m. to 5 p.m., though hours vary by location).
If you need to handle something in person—deposit a check, open an account, or speak to a banker—Saturday morning is your next opportunity. Call ahead or check your bank's website to confirm your branch's exact Saturday hours, as they vary by location.
Frequently Asked Questions
Can I deposit a check at an ATM on Black Friday?
Yes, if your bank's ATMs support check deposits. Most major banks allow mobile check deposit through their app, which is even faster. ATM check deposits are processed the next business day, so a check deposited on Black Friday will not clear until Monday or Tuesday.
Will my direct deposit go through on Black Friday?
Direct deposits scheduled for Black Friday may post to your account, but processing is delayed. Banks do not process transactions on holidays, so a deposit scheduled for November 28 may not appear until November 29 or December 1. Contact your employer or the source of the deposit to confirm the exact timing.
What if I need to report fraud on Black Friday?
Call your bank's fraud line when ready. These lines operate 24/7 on holidays. Have your account number and the fraudulent transaction details ready. You can also report fraud through your mobile app, and your bank will investigate even though branches are closed.
Are wire transfers available on Black Friday?
Wire transfers initiated through your bank's online system may be processed, but most banks do not send outgoing wires on holidays. If you need to send a wire, do it on Thursday. Incoming wires may arrive, but they will not be processed until the next business day.
Can I open a new account on Black Friday?
You cannot open an account in person on Black Friday. Some banks allow online account opening through their website or app, which works on holidays. Check your bank's website to see if online account opening is available, or wait until Saturday or Monday to visit a branch.