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 observe it by closing their branches for the day. This means you cannot visit a branch in person, speak to a teller, or conduct business that requires a physical location. However, the specifics depend on your bank and what you need to do.

If you use online banking, mobile apps, or ATMs, those services typically remain available on Good Friday—the same as any other day. Wire transfers, bill payments, and account transfers can usually happen through digital channels without interruption. The closure affects only the physical branch and the staff who work there.

Some banks, particularly smaller regional or credit unions, may have different policies. A few stay open on Good Friday or operate on a modified schedule. The only way to know for certain is to check with your specific bank before the holiday.

Key Takeaways

  • Most major U.S. banks close their branches on Good Friday, April 10, 2026, because it is a federal holiday.
  • ATMs and online banking remain available on Good Friday, so you can withdraw cash and transfer money digitally without visiting a branch.
  • Some regional banks and credit unions may stay open or keep limited hours, so contact your bank directly to confirm.
  • If you need cash or in-person service, plan ahead by withdrawing money or handling transactions on Thursday, April 9.

Which banks close on Good Friday

All major national banks—Bank of America, Chase, Wells Fargo, Citibank, and others—close on Good Friday. The Federal Reserve observes the holiday, which means the banking system itself operates on a holiday schedule. Checks deposited on Good Friday will not clear until the following business day, and ACH transfers initiated that day may not process until Monday.

Credit unions follow the same pattern. Most close their branches on Good Friday, though some may operate under different holiday schedules depending on their membership base and location. If your credit union is affiliated with a shared branching network, you may be able to conduct limited transactions at other credit union branches, but this varies by institution.

Online-only banks like Ally, Charles Schwab Bank, and others do not have physical branches, so the holiday does not affect their digital services. You can still log in, transfer money, and manage your account on Good Friday just as you would on any other day.

What you can and cannot do on Good Friday

You cannot: Visit a branch in person, speak to a banker or loan officer, deposit checks at a teller window, or access safe deposit boxes. If you need a cashier's check, notary service, or help opening a new account, you will have to wait until Saturday or Monday depending on your bank's weekend hours.

You can: Use any ATM to withdraw cash or deposit checks (though the deposit may not post until the next business day). Transfer money between your own accounts through online banking or a mobile app. Pay bills online. Set up automatic payments. Check your balance. Initiate wire transfers through your bank's website or app. Make purchases with your debit or credit card.

The key difference is that digital transactions happen on your schedule, while branch services require a staff member to be present. Plan accordingly if you need something that only a person can do.

When banks reopen after Good Friday

Banks reopen on Saturday, April 11, 2026, though most branches operate on reduced weekend hours—typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Not all branches are open on Saturday, so check your bank's website or call ahead to confirm your location is staffed.

Monday, April 13, is a regular business day with full hours. If you cannot get to a branch on Saturday, Monday is your next opportunity for in-person service. Keep in mind that any checks or transfers you initiate on Good Friday will not process until Monday at the earliest, so the timing difference between Friday and Saturday may not matter for most transactions.

How to prepare before Good Friday

If you know you will need cash over the Good Friday weekend, withdraw it on Thursday, April 9. ATMs work on the holiday, but it is easier to plan ahead than to hunt for a working machine on a day when fewer people are around.

If you need to deposit a check, do it before Good Friday. Checks deposited on the holiday will not clear until Monday, which could delay access to the funds if you need them over the weekend. The same applies to any bill payments or transfers you want to process quickly—send them Thursday or earlier in the week.

If you have a time-sensitive banking need—a loan process, account issue, or service that requires a banker—handle it before the holiday. Good Friday closures can add an extra day to any process that depends on branch staff.

What happens to automatic payments and direct deposits

Automatic bill payments and direct deposits scheduled for Good Friday will process on schedule. The Federal Reserve's payment systems run on the holiday, so payroll deposits, Social Security payments, and recurring bill payments go through as normal. You will see the transactions in your account on Friday even though the branch is closed.

The only exception is if your payment is scheduled to process through a method that requires manual handling—for example, a check you mail or a payment that needs a teller to process. Those will be delayed until the branch reopens.

Frequently Asked Questions

Can I use my debit card on Good Friday if the bank is closed?

Yes. Your debit card works at any merchant or ATM on Good Friday. The bank branch being closed does not affect your ability to make purchases or withdraw cash. The only thing you cannot do is visit the physical branch or speak to a banker.

Will my paycheck deposit on Good Friday?

Yes. Direct deposits process on schedule on Good Friday because the Federal Reserve's payment systems operate on the holiday. You will see the deposit in your account on Friday morning, even though the branch is closed.

What if I need to deposit a check on Good Friday?

You can deposit checks through a mobile app using mobile check deposit, or use an ATM if your bank offers ATM check deposits. If you deposit at an ATM or through the app on Good Friday, the check will not clear until Monday. If you need the funds sooner, deposit on Thursday instead.

Are credit unions open on Good Friday?

Most credit unions close on Good Friday, but some may have different holiday schedules. Contact your credit union directly to confirm. If it is closed, you can still use ATMs and online banking on the holiday.

What if my bank is open on Good Friday?

Some smaller regional banks or credit unions may stay open or operate limited hours. Check your bank's website, call the branch, or look for holiday hours posted in the app. If your bank is open, you can conduct business as usual.