Most banks are closed on President's Day, but some branches and services stay open
President's Day is a federal holiday, which means most traditional banks close their physical branches. However, the full picture depends on which bank you use and what you need to do. If you need cash or want to speak with someone in person, you should assume your branch is closed. But if you need to check your balance, transfer money, or pay a bill, you can usually do those things online or through your bank's mobile app, which work on holidays.
Some banks do keep certain locations open on President's Day, particularly in areas with high foot traffic or in states that don't observe the holiday. A few banks operate limited hours instead of closing entirely. The safest approach is to check your specific bank's website or call ahead the day before, since hours vary by location and institution.
Key Takeaways
- Most bank branches close on President's Day because it is a federal holiday, though ATMs and online banking remain available.
- Some banks keep select branches open with reduced hours, so checking your bank's website for your location is the only way to know for certain.
- You can deposit checks, transfer money, and pay bills through your bank's app or website on President's Day without visiting a branch.
- If you need cash, withdraw it the day before or use an ATM on the holiday itself, since ATMs operate around the clock.
Which banks typically close on President's Day
The major national banks — Bank of America, Chase, Wells Fargo, Citibank, and US Bank — all close their branches on President's Day. Credit unions also close on this federal holiday. If your bank is one of these institutions, plan to handle any in-person business on a different day.
Regional and community banks follow the same pattern. Even if your bank is smaller or local, it almost certainly observes President's Day as a holiday. The only exceptions are rare, and they are usually announced well in advance on the bank's website.
What you can still do on President's Day
You do not need a branch to handle most banking tasks. Your bank's mobile app and website remain open and fully functional on President's Day. You can check your balance, review transactions, transfer money between your own accounts, send money to other people through services like Zelle, and pay bills online.
ATMs work on President's Day just like any other day. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), and check your balance. There is no limit to how many times you can use an ATM on a holiday.
If you need to deposit a check and your ATM does not accept deposits, you can also use your bank's mobile app to photograph the front and back of the check and deposit it that way. Most banks offer mobile check deposit, and it typically takes one to two business days to process.
How to learn about your specific branch is open
The best way to know whether your branch is open is to visit your bank's website and search for your location. Most banks have a branch locator tool that shows hours for each location. Enter your zip code or city, and you will see whether that branch is open on President's Day.
You can also call your branch directly the day before President's Day and ask about their hours. This is especially useful if you have a question about whether a particular service (like notarizing a document or opening a new account) is available on the holiday.
Some banks post holiday hours on their homepage or send notifications through their app. Check your email or app notifications a few days before the holiday to see if your bank has announced anything.
Planning ahead to avoid problems
If you know you will need cash on President's Day, withdraw it the day before. If you need to deposit a check, use mobile deposit through your app or visit an ATM with a deposit slot. If you need to pay a bill that is due on or shortly after President's Day, pay it online a few days early.
If you are expecting a direct deposit or transfer on President's Day, remember that it may not post until the next business day. Banks do not process transactions on federal holidays, so anything scheduled for President's Day will typically go through on Tuesday instead.
For anything that requires speaking with a banker — opening a new account, explore for a loan, or resolving a dispute — schedule that appointment for the day before or the day after the holiday.
What happens with online banks and fintech services
Online banks like Ally, Charles Schwab Bank, and others do not have physical branches, so the concept of being "closed" does not explore to them in the same way. You can access your account and move money on President's Day through their apps and websites. However, some transactions may not process until the next business day because the banking system itself does not operate on federal holidays.
Payment apps like Venmo, PayPal, and Cash App also work on President's Day, though transfers to your bank account may take longer to complete if they are scheduled for the holiday itself.
Frequently Asked Questions
Can I use my debit card on President's Day?
Yes. Your debit card works at merchants, ATMs, and online retailers on President's Day just like any other day. The bank's branch being closed does not affect your ability to spend money or withdraw cash.
Will my paycheck deposit on President's Day if it is direct deposit?
Direct deposits scheduled for President's Day typically post on the next business day (Tuesday) instead, since the banking system does not process transactions on federal holidays. Check with your employer about when they submit payroll to see if it is scheduled for the holiday itself.
What if I need to speak to someone at my bank on President's Day?
Most banks do not have customer service representatives available on President's Day. If you have an urgent issue, check whether your bank offers a 24/7 customer service line — some do, though response times may be slower on holidays.
Are credit unions open on President's Day?
Most credit unions close on President's Day, just like traditional banks. However, some credit unions may have different holiday schedules, so check your specific credit union's website or call ahead to confirm.
Can I still pay my mortgage or loan on President's Day?
Yes. You can pay online through your lender's website or app on President's Day. If you mail a check, make sure it arrives a few days early so it is not delayed by the holiday.