Most banks are closed on Labor Day, September 1st, 2025

Labor Day is a federal holiday in the United States, and nearly all banks observe it by closing their physical branches. If you need to deposit a check, withdraw cash, or speak to someone in person, you will not be able to do so at a branch on September 1st, 2025.

However, you can still move money on Labor Day through digital channels. ATMs work 24 hours, online banking platforms stay open, and mobile apps let you transfer funds, pay bills, and check balances without visiting a branch. If you need cash before the holiday, withdraw it on August 29th or 30th.

Some credit unions and smaller regional banks may have different schedules, so check your institution's website or call ahead if you are unsure. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank all close on Labor Day.

Key Takeaways

  • Bank branches close on Labor Day, September 1st, 2025, because it is a federal holiday.
  • ATMs, online banking, and mobile apps remain available 24 hours, even when branches are closed.
  • If you need cash or in-person service, plan ahead and visit your branch on August 29th or 30th.
  • Some credit unions and regional banks may have different hours, so verify with your bank directly.
  • Checks deposited through mobile apps or ATMs on Labor Day may not post until September 2nd.

What you can and cannot do on Labor Day

On September 1st, you cannot walk into a branch and speak to a teller, open a new account in person, or get a cashier's check. You also cannot use a bank's drive-through window or safe deposit box services.

You can use an ATM to withdraw cash, deposit checks (if your bank's ATMs accept deposits), and check your balance. You can log into online banking to transfer money between your own accounts, pay bills, send money to other people through your bank's platform, and view statements. You can also use your bank's mobile app for the same tasks.

Wire transfers initiated through online banking may process on Labor Day, but they typically will not settle until September 2nd. The same applies to ACH transfers and bill payments — they may be submitted on the 1st but will not move funds until the next business day.

Planning ahead for the long weekend

If you know you will need cash over the Labor Day weekend, withdraw it on Friday, August 29th or Saturday, August 30th. Most ATMs are stocked before holidays, but withdrawing early reduces the risk of running into an empty machine.

If you need to deposit a check, use your bank's mobile app or an ATM that accepts deposits. The check will be scanned and held until September 2nd, when it officially posts to your account. This means the funds will not be available until at least September 2nd, even if you deposit on August 29th — the timing depends on your bank's processing schedule and whether the check is from another bank.

If you have bills due on or around September 1st, pay them before August 29th through online banking or bill pay. This ensures the payment leaves your account before the holiday and reaches the recipient on time.

How check deposits work over the holiday

When you deposit a check through a mobile app or ATM on Labor Day, the bank scans it when ready, but the funds do not move until the next business day. September 2nd is a Tuesday, so that is when your bank will send the check to the other bank for clearing.

If the check is from another bank in the same area, it may clear by September 3rd. If it is from a bank in another state or region, clearing can take until September 4th or 5th. Your bank's mobile app will show you the deposit date (September 1st) but the availability date will be later — usually two to three business days after deposit.

Do not assume a check is available just because you deposited it. Check your account on September 2nd to see when your bank says the funds will be available, and plan accordingly.

Credit unions and smaller banks may have different hours

While most large national banks close on Labor Day, some credit unions and regional banks stay open or have limited hours. A few credit unions operate on Saturday and Sunday, which means they might be open on August 30th and 31st even if they are closed on the 1st.

The only way to know your institution's schedule is to check their website, call their main number, or look at the hours posted in your branch. Do not assume your bank follows the same schedule as Chase or Bank of America — call ahead if you are unsure.

What happens to automatic payments and transfers

Automatic bill payments and recurring transfers scheduled for Labor Day will not process on the 1st. Instead, they will process on September 2nd, the next business day. This means if you have a mortgage payment, rent payment, or loan payment due on September 1st, it will leave your account on September 2nd instead.

Contact your lender or service provider before the holiday if you are concerned about a payment being late. Many lenders know that payments scheduled for federal holidays will be delayed by one day and do not count this as late. However, it is better to confirm than to assume.

If you have a payment due on August 31st, make sure it is submitted by August 29th to may support it processes before the holiday.

Frequently Asked Questions

Can I use my debit card on Labor Day?

Yes. Debit cards work at any merchant, ATM, or online retailer on Labor Day. The bank holiday only affects branch services, not card transactions or ATM access.

Will my direct deposit arrive on Labor Day if it is scheduled for September 1st?

No. Direct deposits scheduled for federal holidays are delayed until the next business day. If your paycheck is due on September 1st, it will arrive on September 2nd instead. Check with your employer or payroll department if you are unsure of your deposit date.

Can I transfer money between banks on Labor Day?

You can initiate a transfer through online banking on Labor Day, but it will not actually move until September 2nd. The Federal Reserve does not process transfers on federal holidays, so all inter-bank transfers are delayed by one business day.

What if I need cash and my ATM is empty?

ATMs are usually restocked before holidays, but if yours is empty, you will need to find another ATM or wait until September 2nd. Some grocery stores, convenience stores, and gas stations have ATMs that may have cash available. You can also use your debit card to get cash back at any store that accepts cards.

Do online banks like Ally or Marcus close on Labor Day?

Online banks do not have physical branches, so there is nothing to close. You can access your account, transfer money, and manage your account 24 hours a day on Labor Day. However, transfers to other banks will not process until September 2nd.