Most U.S. banks will be closed on Good Friday, April 3, 2026

Good Friday is a federal holiday, and nearly all banks observe it by closing their branches for the day. This means you will not be able to visit a physical branch, use the drive-through, or speak to a teller in person. However, your account will still function — you can use ATMs, mobile apps, and online banking without interruption.

The closure applies to most major banks, including Bank of America, Chase, Wells Fargo, Citibank, and regional institutions. Some credit unions also close on Good Friday, though a small number remain open. If you bank with a smaller institution or credit union, contact them directly to confirm their 2026 schedule.

Any transactions you initiate online or through an ATM on Good Friday will process normally. Deposits made at ATMs will be credited to your account, though the posting time may shift to the next business day depending on when you deposit. Checks deposited through mobile apps follow the same timing rules.

Key Takeaways

  • Bank branches close on Good Friday, April 3, 2026, but ATMs and online banking remain available 24/7.
  • Transactions initiated through ATMs or apps on Good Friday will process, though posting may occur on the next business day.
  • Wire transfers and other services requiring staff involvement will not be processed until the following business day.
  • If you need in-person banking before the holiday, plan your visit for Thursday, April 2, or wait until Monday, April 6.
  • Credit unions vary in their Good Friday policies, so confirm your institution's hours before the holiday.

What you can and cannot do on Good Friday

ATM withdrawals, balance checks, and transfers between your own accounts work normally on Good Friday. You can deposit checks through your mobile app or at an ATM envelope slot. You can pay bills online, set up automatic payments, and move money between accounts using your bank's website or app.

What you cannot do is speak to a banker, process a wire transfer, open a new account, order a cashier's check, or resolve disputes that require staff involvement. If you need a wire transfer to go out on Good Friday, you must initiate it before the branch closes on Thursday. Incoming wires from other banks will still arrive, but your bank will not process outgoing wires until Monday.

If you have a time-sensitive transaction — such as paying a bill with a specific important date — use online bill pay or your app to schedule it before Good Friday. Most banks process online bill payments even on holidays, sending the payment on the next business day if you submit it during the closure.

Planning ahead to avoid delays

If you need cash, withdraw it on Thursday, April 2. ATMs will have money on Good Friday, but if the machine runs low over the weekend, you may not be able to withdraw on Saturday or Sunday either. Getting cash before the holiday ensures you have what you need through the weekend.

If you need a cashier's check, certified check, or any document a teller must issue, request it on Thursday. These cannot be obtained from an ATM or app. Similarly, if you need to dispute a transaction or report fraud, call your bank's customer service line on Thursday — most banks staff their phone lines even on holidays, though wait times are often longer.

For deposits, use your mobile app or ATM on Good Friday without worry. The deposit will be credited to your account, and the funds will be available according to your bank's standard deposit timing — usually one to two business days for checks, when ready for transfers.

How Good Friday affects the banking calendar

Good Friday is one of eleven federal holidays when banks close. The others are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, the day after Thanksgiving, and Christmas. On all these days, branches close but digital banking continues.

Because Good Friday falls on April 3, 2026, the banking week runs Monday through Thursday, then resumes Tuesday through Friday the following week. If you have a recurring payment or automatic deposit scheduled for April 3, it will process on April 6 instead. Check your calendar if you have bills due around this time.

The Federal Reserve also closes on Good Friday, which means the banking system itself moves more slowly. Checks clear more slowly, and wire transfers take longer. If you are sending money to someone else's bank account, allow extra time — what normally takes one business day might take two.

What to do if you have an urgent banking need on Good Friday

Call your bank's customer service line. Most major banks staff their phone lines 24/7, even on holidays. You can report fraud, dispute a transaction, ask about your account, and in some cases authorize a wire transfer over the phone. The representative cannot process the wire when ready, but they can document your request and may support it goes out first thing Monday morning.

If you need to transfer money urgently, use your bank's app or website. Most banks allow you to transfer money between your own accounts when ready, and many allow transfers to other people's accounts through services like Zelle or your bank's own transfer tool. These work on holidays.

If you have a true emergency — such as a fraudulent charge that is actively draining your account — call the number on the back of your debit card. Banks maintain fraud departments that answer calls on holidays. They can freeze your card or account when ready to stop unauthorized activity.

Regional and online banks may have different hours

Online-only banks like Ally, Charles Schwab Bank, and Marcus by Goldman Sachs do not have physical branches, so Good Friday closure does not affect you. You can conduct all banking through their apps and websites without interruption. However, customer service phone lines may have reduced staffing or longer wait times.

Some regional banks and credit unions choose to remain open on Good Friday. If your bank is small or local, check their website or call ahead. A few institutions stay open on federal holidays to serve customers who cannot visit on other days. Their hours may be reduced — for example, opening at 10 a.m. instead of 9 a.m. — but they will be staffed.

If you use multiple banks, confirm the hours for each one. Your primary checking account may be closed while a credit union account remains open, or vice versa. Knowing which institutions are available on Good Friday prevents you from making a trip to a closed branch.

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, ATM, or online retailer regardless of whether your bank's branch is open. The bank's closure only affects in-person services at the branch itself. Transactions will process normally.

Will my direct deposit arrive on Good Friday?

Direct deposits scheduled for Good Friday, April 3, 2026, will arrive on Monday, April 6, instead. Employers typically submit payroll the day before, so your employer's system will hold the deposit until the banking system reopens. Check with your employer if you are unsure of their payroll schedule.

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

Use your mobile app or an ATM envelope slot. The check will be deposited to your account, and the funds will be available according to your bank's standard timing — usually one to two business days. The Good Friday closure does not delay mobile or ATM deposits.

Can I open a new bank account on Good Friday?

No. Opening an account requires a banker to verify your identity and set up your account in the system. You must visit a branch or call customer service during business hours. Plan to open your account on Thursday or wait until Monday.

Will wire transfers process on Good Friday?

Outgoing wire transfers will not process until Monday, April 6. If you need to send a wire on Good Friday, initiate it on Thursday before the branch closes. Incoming wires from other banks will still arrive in your account, but your bank cannot send wires while closed.