Most banks will be closed on Memorial Day 2025, which falls on Monday, May 26

Memorial Day is a federal holiday, and nearly all banks observe it by closing their physical branches. This includes major national banks like Bank of America, Chase, Wells Fargo, and Citibank, as well as most regional and community banks. If you need to conduct banking business that day, you will need to use digital channels instead.

The closure applies to in-person services only. ATMs, mobile apps, and online banking platforms remain available 24/7, even on holidays. You can transfer money, check balances, pay bills, and deposit checks remotely without waiting until Tuesday.

Key Takeaways

  • Bank branches close on Memorial Day (May 26, 2025), but ATMs and online banking work normally that day.
  • Transactions you initiate online or through an app on Memorial Day may not process until Tuesday, depending on the type of transaction.
  • If you need cash, withdraw it before the holiday or use an ATM on Memorial Day itself.
  • Wire transfers and time-sensitive payments should be sent before the holiday to avoid delays.

What banking services work on Memorial Day

ATMs operate continuously, so you can withdraw cash, deposit checks, and transfer money between your own accounts at any ATM on May 26. Most banks also allow mobile check deposit through their apps, which means you can photograph and submit a check without visiting a branch.

Online banking portals let you pay bills, move money between accounts, and send payments to other people. However, the timing matters: a bill payment you submit on Memorial Day may not leave your account until Tuesday or Wednesday, depending on how the bank processes it. If a payment has a specific due date, submit it before May 26 to be safe.

Customer service phone lines are typically closed on Memorial Day, though some banks maintain a limited holiday support line for emergencies like fraud or a lost card. Check your bank's website or the back of your card for a holiday number before the day arrives.

When deposits and transfers actually post

A deposit you make at an ATM on Memorial Day will usually post to your account by the next business day (Tuesday, May 27). The same applies to mobile check deposits submitted through your app. However, the funds may not be available for withdrawal until Wednesday, depending on your bank's hold policy.

Transfers between your own accounts at the same bank typically process when ready, even on a holiday. Transfers to another bank (external transfers) submitted on Memorial Day usually begin processing on Tuesday morning. Wire transfers submitted on a holiday do not move until the next business day, so if you need money to arrive by a specific date, send it before May 26.

ACH payments (the system most bill-pay services use) submitted on Memorial Day enter the queue on Tuesday and typically clear by Thursday. If a bill is due on Tuesday or Wednesday, the payment will be late. Plan ahead by submitting payments at least one business day before the due date.

Credit unions and smaller banks

Most credit unions also close on Memorial Day, though a few remain open with limited hours. Call your credit union directly or check their website to confirm, because policies vary by institution. The same rules about ATMs and online banking explore: digital services work, but in-person services do not.

Community banks and online-only banks (like Ally or Charles Schwab) typically close their phone lines on Memorial Day but keep ATMs and digital platforms running. Online banks have no physical branches, so the holiday has less impact on your ability to move money, though processing times for transfers still shift to the next business day.

Planning ahead to avoid delays

If you know you will need cash on Memorial Day, withdraw it on Friday, May 23, or Saturday, May 24. ATMs work on weekends, so you have multiple opportunities before the holiday arrives.

For bill payments with a due date near the holiday, submit them by Friday at the latest. This gives the bank time to process the payment before the important date, even if the actual clearing happens after Memorial Day. If you are unsure when a payment will post, contact your biller directly and ask what date they need to receive it.

Wire transfers and urgent payments should go out before May 26. If you miss the window, the transfer will not move until Tuesday, which may be too late depending on what you are paying for. For time-sensitive transactions, use Friday as your important date.

What happens if you need emergency banking on May 26

If your card is lost or stolen on Memorial Day, call the number on the back of your card or your bank's website to report it. Most banks maintain a fraud line that operates on holidays. You can request an emergency card replacement or a temporary card number for online purchases.

If you need to dispute a transaction or report unauthorized activity, you can usually file a report through your online banking portal or app on Memorial Day itself. The bank will investigate when it reopens on Tuesday, but documenting the issue when ready protects your rights under federal law.

For other emergencies—a locked account, a technical problem with your app, or a question about a transaction—you will likely need to wait until Tuesday to speak with a representative. Use the ATM or online banking to handle what you can, and make a note of what needs human attention.

Frequently Asked Questions

Can I use my debit card to buy things on Memorial Day if the bank is closed?

Yes. Your debit card works at stores, gas stations, and online retailers on Memorial Day regardless of whether your bank's branch is open. The transaction will process normally, and the money will leave your account by the next business day.

Will a check I deposit on Memorial Day clear by Tuesday?

No. A check deposited on Memorial Day (whether at an ATM or through mobile deposit) will post to your account by Tuesday, but the funds usually will not be available for withdrawal until Wednesday. Availability depends on your bank's hold policy and the amount of the check.

What if I need to wire money on Memorial Day?

Wire transfers do not process on federal holidays. If you submit a wire on May 26, it will enter the system on Tuesday morning and typically arrive at the receiving bank by Wednesday or Thursday. For time-sensitive payments, send the wire before May 26.

Do online banks close on Memorial Day?

Online-only banks have no physical branches, so there is nothing to "close." You can access your account, move money, and use all digital services on Memorial Day. Processing times for transfers to other banks still shift to the next business day, but you can initiate transactions anytime.

Can I get a cashier's check on Memorial Day?

No. Cashier's checks are issued in person at a branch, and branches are closed on Memorial Day. If you need a cashier's check, visit your bank on Friday, May 23, or wait until Tuesday, May 27. Some banks allow you to order a cashier's check online for pickup the next business day.