Most banks will be open on Christmas Eve 2025, but with reduced hours

Banks in the United States typically stay open on Christmas Eve, though many close earlier than usual. Most major banks operate on a modified schedule — some open at their normal time but close by early afternoon, while others keep standard hours. The exact timing depends on your bank and your location, because individual branches can set their own hours within company policy.

Christmas Eve falls on a Monday in 2025. Banks do not treat it as a federal holiday the way they treat Christmas Day itself, so you will not see the blanket closures you get on December 25th. However, because many customers take the day off or leave early, banks often reduce staffing and close ahead of schedule.

The safest approach is to check your specific branch's hours before you go. Most banks post holiday hours on their website or in their mobile app at least a week in advance. If you need to handle banking on Christmas Eve, do it in the morning — that is when you are most likely to find a branch open and staffed.

Key Takeaways

  • Christmas Eve 2025 is a Monday, and most banks will be open, though many close earlier than their normal closing time.
  • Your bank's website or mobile app will show your specific branch's hours for December 24th — check there rather than calling.
  • Morning is the safest time to visit on Christmas Eve, because afternoon closures are common even when the branch is technically open.
  • ATMs and online banking work on Christmas Eve the same way they do any other day, regardless of branch hours.
  • If you need to deposit a check or handle a transaction that requires a teller, plan to do it before noon on December 24th.

How to find your bank's Christmas Eve hours

Start with your bank's official website. Most major banks — Bank of America, Chase, Wells Fargo, Citibank, and others — publish holiday hours in a dedicated section, usually labeled "Holiday Hours" or "Branch Hours." You can search for your specific branch by zip code or address, and the hours for December 24th will appear next to the regular schedule.

If you use mobile banking, open your bank's app and look for a "Locations" or "Find a Branch" tab. Tap your branch and scroll down — holiday hours are usually listed below the regular schedule. This method is faster than a website search if you already know which branch you use.

If you cannot find the information online, call your branch directly. Ask specifically about December 24th hours, not just "holiday hours," because some branches stay open on Christmas Eve but close on other holidays. Have your branch address or account number ready so they can pull up the right location.

What you can do without visiting a branch

ATMs work on Christmas Eve regardless of branch hours. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), transfer money between accounts, and check your balance. ATM access is the same on December 24th as any other day.

Online banking and mobile apps work normally on Christmas Eve. You can pay bills, transfer money between your accounts, send money to other people through your bank's transfer service, and review transactions. The only thing you cannot do online is speak to a person — customer service lines may have reduced hours or be closed.

If you need to deposit a check and your bank's branch is closed, use mobile deposit through your app if your bank offers it. Take a photo of the front and back of the check, and the deposit posts to your account within one to two business days (though the funds may not be available until after the holiday).

When banks close completely for Christmas

Banks close entirely on Christmas Day (December 25th, 2025, a Thursday) because it is a federal holiday. No branches will be open, and customer service lines will be closed. ATMs and online banking still work, but you cannot visit a branch or speak to a representative.

The day after Christmas (December 26th, a Friday) banks reopen at their normal hours. If you have a transaction that requires a teller and you miss Christmas Eve, you will need to wait until December 26th.

Planning ahead for the holiday week

If you know you need to handle banking during the Christmas week, do it on December 23rd or 24th morning. This avoids the rush of last-minute customers and gives you time to resolve any problems before the branch closes for the holiday.

If you need to deposit a check after Christmas Eve, remember that deposits made on December 26th (Friday) will not clear until the following Monday or Tuesday, depending on your bank's processing schedule. Plan accordingly if you need the funds before the new year.

For wire transfers or other time-sensitive transactions, complete them before December 24th. Many banks do not process wires on Christmas Eve afternoon or on Christmas Day, and delays can push your transaction into the following week.

Frequently Asked Questions

Will my bank be open on Christmas Eve 2025?

Most banks will be open on December 24th, 2025, but many close earlier than usual. Check your specific branch's hours on your bank's website or app — do not assume standard hours explore.

Can I use my ATM on Christmas Eve?

Yes. ATMs work on Christmas Eve the same way they do any other day. You can withdraw cash, deposit checks (if your ATM supports it), and transfer money between accounts without visiting a branch.

What if I need to deposit a check on Christmas Eve afternoon?

If your branch closes early, use mobile deposit through your bank's app if available. Take photos of the front and back of the check, and the deposit will post within one to two business days. If your bank does not offer mobile deposit, wait until December 26th to visit a branch.

Are banks open on December 25th?

No. Christmas Day is a federal holiday, and all banks close completely. Branches reopen on December 26th at normal hours. ATMs and online banking work on December 25th, but you cannot visit a branch or reach customer service.

When should I do my banking if I need to visit a branch?

Visit on December 23rd or early morning on December 24th. Afternoon closures are common on Christmas Eve, and waiting until the last minute increases the risk that your branch will be closed when you arrive.