Most banks are open on Mondays, but some branches close for federal holidays that fall on Monday
Banks in the United States are normally open on Mondays during regular business hours. However, if Monday is a federal holiday — such as Martin Luther King Jr. Day, Presidents' Day, or Memorial Day — most branches will be closed that day. The easiest way to know whether your specific branch is open is to call the number on your debit card or check your bank's website or app, which usually shows holiday hours.
Federal holidays that commonly fall on Mondays include Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), and Labor Day (first Monday in September). Some banks also close on Columbus Day (second Monday in October), though this varies by region and institution. If you are unsure whether this coming Monday is a holiday, your bank's website will tell you when ready.
Key Takeaways
- Banks are open on regular Mondays, but closed on Mondays that are federal holidays.
- Martin Luther King Jr. Day, Presidents' Day, Memorial Day, and Labor Day are the federal holidays most likely to fall on Monday and close bank branches.
- Your bank's website, mobile app, or the phone number on your card will show whether your branch is open or closed on a specific Monday.
- ATMs and online banking work on federal holidays even when branches are closed, so you can still withdraw cash or transfer money.
How to check if your bank is closed this Monday
The fastest way to find out is to visit your bank's website or open its mobile app. Most banks have a branch locator tool that shows hours for each location. Search for your branch by address or ZIP code, and the current hours — including any holiday closures — will appear.
You can also call the branch directly using the number on your debit card or bank statement. A recorded message will usually tell you whether the branch is open today. If you call during business hours, a staff member can answer questions about holiday hours for the coming weeks.
What you can still do when the branch is closed
Even if your bank branch is closed on Monday, you are not locked out of your money. ATMs work 24 hours a day, seven days a week, so you can withdraw cash, check your balance, or deposit checks at any ATM your bank operates or partners with. This means you can handle most routine banking tasks without waiting for the branch to reopen.
Online banking and mobile apps also work on federal holidays. You can transfer money between your own accounts, pay bills, send money to other people, and check your balance anytime. Wire transfers and ACH transfers (electronic transfers between banks) may take longer to process if initiated on a holiday, but you can still start them. The branch closure does not affect your ability to move money or see what you have.
Federal holidays that close banks on Mondays
| Holiday | When it falls |
|---|---|
| Martin Luther King Jr. Day | Third Monday in January |
| Presidents' Day | Third Monday in February |
| Memorial Day | Last Monday in May |
| Labor Day | First Monday in September |
| Columbus Day | Second Monday in October |
Not all banks close on Columbus Day — some regional banks and credit unions stay open. Check with your specific institution to be sure. Banks always close on New Year's Day, Independence Day, Thanksgiving, and Christmas, but these holidays do not always fall on Monday.
If you work with a credit union instead of a traditional bank, the closure schedule may differ slightly. Some credit unions observe the same federal holidays as banks, while others have their own holiday calendars. Your credit union's website or a quick phone call will confirm whether it is closed this Monday.
Planning ahead for holiday closures
If you know you will need cash or need to handle banking on a Monday that might be a holiday, withdraw money the Friday before or use an ATM on the holiday itself. If you need to speak with someone at your bank, call on the Friday before to ask questions or handle business that requires a staff member.
For recurring bills or payments due on a holiday Monday, set them up in advance through online banking or automatic transfers. Most banks process these on the next business day if you schedule them for a holiday, but confirm this with your bank to avoid late fees. This small step prevents surprises with due dates or payment timing.
Frequently Asked Questions
Can I still use my debit card on a Monday when the bank is closed?
Yes. Your debit card works at ATMs and stores on federal holidays. You can withdraw cash, check your balance, and make purchases normally. Only the physical branch location is closed.
Will my paycheck deposit on time if Monday is a holiday?
Direct deposits usually process on schedule even on federal holidays, so your paycheck should appear in your account on the normal day. If your employer processes payroll on Monday and Monday is a holiday, the deposit may arrive on Tuesday instead. Check with your employer if you are unsure.
What if I need to deposit a check on a Monday holiday?
Use your bank's mobile app to deposit the check by taking a photo of the front and back. You can also deposit checks at ATMs that have deposit slots. Both methods work on holidays, though the check may not clear until the next business day.
Do credit unions close on the same holidays as banks?
Most credit unions close on the same federal holidays as banks, but some stay open on Columbus Day or have different hours. Call your credit union or check its website to confirm hours for the specific Monday you need.