Most banks will be closed on Presidents Day 2026, which falls on Monday, February 16

Presidents Day is a federal holiday, and nearly all banks observe it by closing their branches. This means you won't be able to visit a teller, use the drive-through, or access in-person services that day. However, you can still use ATMs, online banking, and mobile apps — those work around the clock.

If you need to handle banking on Presidents Day itself, plan to use your bank's digital tools instead. If you need to speak with someone or handle something that requires a teller, you'll want to go on Friday, February 13, or Tuesday, February 17.

Key Takeaways

  • Presidents Day 2026 is Monday, February 16, and most banks will be closed that day.
  • ATMs and online banking will still work on Presidents Day, even though branches are closed.
  • If you need to visit a branch, go on Friday the 13th or Tuesday the 17th instead.
  • Some credit unions and online-only banks may have different holiday schedules, so check with your institution directly.

Which banks close on Presidents Day

All major national banks close on Presidents Day — that includes Bank of America, Chase, Wells Fargo, Citibank, and US Bank. Regional banks and most community banks do the same. The holiday is observed by the Federal Reserve, which means the banking system itself shuts down for settlement and clearing, so even banks that wanted to stay open usually cannot process certain transactions.

Some smaller credit unions and online-only banks may operate on different schedules. If you bank with a smaller institution or a credit union, contact them directly to confirm. A quick phone call or check of their website takes two minutes and saves you a wasted trip.

What you can still do on Presidents Day

ATMs work on federal holidays because they are machines, not staffed locations. You can withdraw cash, deposit checks (if your ATM has a deposit slot), check your balance, and transfer money between your own accounts. The transaction may not post until the next business day, but you can initiate it.

Online banking and mobile apps also run on the holiday. You can pay bills, transfer money, check balances, and deposit checks by phone or app. Again, the actual processing may wait until Tuesday, but you can complete the action on Monday. If you have an urgent payment due on Presidents Day itself, sending it through online banking before the holiday is the safest approach.

Planning ahead for Presidents Day banking

If you know you'll need cash or need to deposit a check, do it on Friday, February 13. This gives you the weekend and Monday covered. If you're expecting a direct deposit or a check to clear, remember that nothing processes on the holiday — that transaction will move on Tuesday instead.

If you have a bill due on Presidents Day, pay it online or by phone before the holiday. Most billers accept payments a day or two early without penalty. If you're mailing a check, send it several days before the due date to account for mail time and the holiday delay.

What happens to direct deposits and checks on Presidents Day

Direct deposits scheduled for Presidents Day will not hit your account until Tuesday, February 17. The same goes for checks you deposit on Monday — they won't clear until the next business day. If you're counting on money arriving on the 16th, plan as if it's arriving on the 17th instead.

This matters most if you're living paycheck to paycheck or have a bill due right after the holiday. Deposit checks or arrange direct deposit a day or two earlier if you can, or use your ATM to withdraw cash from a previous deposit to cover the gap.

Online and mobile banking during the holiday

Your bank's website and app will be available on Presidents Day. You can log in, check your balance, transfer money between your accounts, pay bills, and deposit checks by phone or mobile app. The transactions you initiate will sit in a queue and process when the bank reopens on Tuesday.

If you're worried about whether a payment went through, check your app on Tuesday morning. You'll see it listed as pending or posted. If something looks wrong, call the bank on Tuesday and they can help you sort it out.

Frequently Asked Questions

Can I use my debit card on Presidents Day?

Yes. Debit cards work at stores, restaurants, and online merchants on the holiday because those transactions go through payment networks, not your bank's branch system. Your bank being closed doesn't affect your ability to swipe or tap your card.

What if I need cash and my ATM is out of order?

Plan ahead and withdraw cash on Friday. If you're stuck without cash on Monday, you can use your debit card at most stores instead. Some grocery stores and retailers will let you get cash back when you make a purchase, even if their ATM is down.

Will my online bill payment go through on Presidents Day?

You can schedule it on Monday, but it won't process until Tuesday at the earliest. If a bill is due on the 16th, pay it on Friday or over the weekend instead. Most billers accept payments a day or two early.

Do credit unions close on Presidents Day?

Most do, but not all. Some credit unions stay open or have different holiday schedules. Call your credit union or check their website to confirm their hours for February 16, 2026.

What if I have an emergency and need to reach my bank?

Call the customer service number on the back of your card. Many banks have phone lines open on holidays for urgent issues, though you may wait longer than usual. For true emergencies like fraud, they will help you even on a holiday.