Most banks are open on Monday, but some branches close for the holiday
Banks are normally open on Mondays during regular business hours. However, if Monday falls on a federal holiday — like Martin Luther King Jr. Day, Presidents' Day, or Memorial Day — that specific branch will be closed. The same applies to state holidays that your particular state observes, which vary by location.
If you need to know whether your bank is open this coming Monday, the fastest way is to call the branch directly or check your bank's website. Most banks post holiday closures prominently on their homepage and in their mobile app. You can also look up the federal holiday calendar to see if Monday is a recognized holiday in your area.
Key Takeaways
- Federal holidays like Martin Luther King Jr. Day and Presidents' Day close most banks, even though they fall on a Monday.
- State holidays vary by location, so a bank in one state may be open while the same bank's branch in another state is closed.
- The fastest way to confirm your branch's Monday hours is to call directly or check your bank's website or mobile app.
- If your bank is closed Monday, you can still use ATMs, mobile banking, and online transfers — these work 24/7 regardless of branch hours.
- Some banks open on certain Mondays that are not federal holidays but are observed by that specific institution.
How to check if your bank is open this Monday
Call your branch directly. The phone number is on your debit card, your bank statements, or the bank's website. When you call, you'll hear a recorded message with hours, or a person can tell you whether the branch is open Monday and what time it opens and closes.
Check your bank's website or mobile app. Most banks display branch hours prominently and flag holiday closures with a banner or notice. Some apps let you search by branch location and show real-time status.
Search "[Your Bank Name] holiday hours" in a search engine. This usually pulls up the bank's official holiday schedule for the year, which tells you which Mondays are affected.
What you can do when your bank is closed
ATMs work around the clock, even when the branch is closed. You can withdraw cash, deposit checks (at ATMs with deposit capability), and check your balance at any time on Monday.
Mobile banking and online transfers are available 24/7. You can send money to another account, pay bills, move funds between your own accounts, and view transactions without visiting a branch. Transfers between accounts at the same bank usually process when ready or by the next business day.
Wire transfers and transfers to other banks may process more slowly if initiated on a holiday Monday — they typically won't clear until the next business day when the banking system resumes normal operations.
Federal holidays that close banks on Monday
Banks close on these federal holidays when they fall on a Monday: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).
When a holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday. If it falls on a Sunday, they close on Monday.
State holidays that may close banks on Monday
Some states observe additional holidays that are not federal. For example, some Southern states close banks on Confederate Memorial Day, and some states close on Election Day. These vary widely by location.
Your bank's website or a call to your branch will tell you which state holidays affect your specific location. If you're unsure, it's worth asking directly rather than making a trip to a closed branch.
What to do if you need banking services on a closed Monday
Plan ahead. If you know Monday is a holiday and you need cash or need to deposit a check, do it on Friday or over the weekend using an ATM.
Use online banking. Most transactions that don't require a teller — transfers, bill payments, balance checks — can be done from your phone or computer at any time.
Visit a different branch. If your regular branch is closed but you need to speak to someone, some banks keep certain branches open on holidays, or you may be able to visit a branch in a neighboring city or state that observes different holidays.
Contact customer service by phone. Many banks have phone lines open on holidays, even if branches are closed. You can ask questions, report fraud, or handle urgent matters without visiting in person.
Frequently Asked Questions
Can I use my debit card on a Monday when the bank is closed?
Yes. Your debit card works at ATMs and stores regardless of whether your branch is open. Online purchases and transfers also work normally. Only services that require a teller — like cashing a check or opening a new account — require the branch to be open.
Will a check I deposit on Monday clear if the bank is closed?
If you deposit the check at an ATM on Monday, it will be processed when the bank reopens on Tuesday. The check will typically clear by Wednesday or Thursday, depending on the bank and the account it's being deposited into. Checks deposited at a closed branch won't be processed until the branch reopens.
What if I need to wire money on a Monday holiday?
You can initiate a wire transfer through online banking on Monday, but it won't actually process until Tuesday when the banking system resumes. If you need the money to arrive the same day, you'll need to wait until a business day when the branch is open, or use a service like Western Union or MoneyGram instead.
Do credit unions close on the same Mondays as banks?
Most credit unions close on federal holidays, but some stay open on certain state holidays or have different schedules. Call your credit union directly or check their website to confirm Monday hours, since policies vary by institution.