Most banks are closed on Patriots Day, but it depends on which state you live in

Patriots Day is a state holiday, not a federal holiday, so whether your bank closes depends on where you are. Massachusetts and Maine observe Patriots Day on the third Monday in April. If your bank is headquartered in one of those states or has branches there, it will likely be closed that day. Banks in other states stay open unless they have chosen to close voluntarily.

The safest way to know is to call your specific branch or check your bank's website the day before. Many banks post holiday hours online, and a quick phone call takes 30 seconds. If you need to deposit a check or withdraw cash on Patriots Day, you can use your bank's ATM even if the branch is closed — ATMs work 24/7.

Key Takeaways

  • Patriots Day is observed only in Massachusetts and Maine, so banks in those states are most likely to close.
  • Banks headquartered outside Massachusetts and Maine usually stay open on Patriots Day unless they have chosen otherwise.
  • You can use ATMs and mobile banking apps to deposit checks and move money even when your branch is closed.
  • Call your branch or check your bank's website to confirm hours before Patriots Day, since policies vary by location.

Which states actually observe Patriots Day

Only Massachusetts and Maine recognize Patriots Day as an official state holiday. It falls on the third Monday in April each year. If you live in either of these states, your bank will almost certainly be closed. If you live elsewhere, your bank will almost certainly be open, unless it is a smaller regional bank that has decided to honor the holiday anyway.

Some banks with branches in multiple states may close only the locations in Massachusetts and Maine while keeping other branches open. This is common for larger national banks. A bank based in New York with a branch in Boston, for example, might close only the Boston location.

How to find your bank's Patriots Day hours

The fastest way is to call your branch directly. Ask the person who answers: "Will you be open on Patriots Day?" They can tell you in seconds. If you are calling after hours, leave a voicemail and they will call back the next business day.

You can also check your bank's website. Most banks list holiday hours under a "Locations" or "Hours" page. Search for "Patriots Day" or look for the specific date (the third Monday in April). If your bank does not list it online, that usually means the branch is open — banks tend to post closures more prominently than regular hours.

Mobile banking apps sometimes show branch hours if you tap on your specific location. This is often faster than calling, especially if you are checking late at night.

What you can do if your bank is closed

ATMs work around the clock, even when the branch is closed. You can withdraw cash, deposit checks, and transfer money between your own accounts using the ATM. The deposit will show in your account, though it may not be processed until the next business day.

Mobile banking apps let you transfer money, pay bills, and check your balance from your phone. You can also deposit checks by taking a photo of the front and back — most banks offer this feature now. These transactions process when the bank reopens, but you can start them anytime.

If you need to speak to someone, most banks have a customer service phone line open on holidays. The person on the phone cannot access your account in real time the way a branch employee can, but they can answer questions and sometimes help with urgent issues.

Planning ahead for Patriots Day

If you know you will need cash or need to deposit a check on Patriots Day, do it the day before. This takes the guesswork out of whether your branch is open. If you are getting paid on Patriots Day and need the money right away, deposit the check using your mobile app or ATM as soon as you receive it.

If you have a bill due on Patriots Day, pay it a few days early. Banks process payments in batches, so paying on a holiday can delay when the payment reaches the person you owe. Paying early avoids any confusion about whether the payment arrived on time.

Frequently Asked Questions

Can I use my debit card on Patriots Day if the bank is closed?

Yes. Your debit card works at any ATM and any store, regardless of whether your bank's branch is open. You can also use it to pay bills online or over the phone. The only thing you cannot do is walk into a branch and speak to an employee.

Will my check deposit go through on Patriots Day?

If you deposit a check using an ATM or mobile app on Patriots Day, the check will be received and scanned, but it will not be processed until the next business day. The funds will show in your account once processing is complete, usually within one to two business days depending on the check amount.

What if I need to speak to someone at my bank on Patriots Day?

Call your bank's customer service line — most banks keep this open on holidays. They cannot access your account details the way a branch employee can, but they can answer general questions and sometimes help with urgent issues. For complex problems, you may need to wait until the branch reopens.

Do credit unions close on Patriots Day?

Credit unions follow the same rules as banks. If your credit union is based in Massachusetts or Maine, it will likely close. If it is based elsewhere, it will likely stay open. Call your credit union to confirm, since some smaller credit unions may have different policies.