Banks are closed on federal holidays, weekends, and some state holidays — but the specific days vary by location and bank
Whether your bank is open today depends on three things: what day it is, whether your bank observes state-specific holidays, and whether your branch has unusual hours. Most banks follow the same federal holiday closures, but some regional banks and credit unions add extra days. The fastest way to know is to call your branch directly or check your bank's website — most show today's hours on the homepage.
If you need to do something urgent and your branch is closed, you have options. ATMs work 24/7 at most banks, online banking never closes, and many banks now offer mobile check deposit. If you need to speak to someone, some banks staff phone lines on holidays, and some credit unions have branches in other towns that might be open.
Key Takeaways
- Federal holidays when most banks close are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
- Some states and regions observe additional holidays — check your specific bank's holiday schedule on their website or call the branch.
- ATMs, online banking, and mobile check deposit work even when branches are closed.
- If you need to reach a person on a holiday, call your bank's main line — some maintain phone support even when branches are shut.
Federal holidays when banks close nationwide
Banks in all 50 states close on these federal holidays: 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 federal holiday falls on a weekend, most banks close on the nearest weekday instead. If July 4 is a Saturday, for example, banks typically close on Friday July 3. If it falls on a Sunday, they close on Monday July 5. Check your bank's specific policy, because some handle this differently.
State and regional holidays that close some banks
Beyond federal holidays, some states observe their own holidays and require banks to close. These vary widely. For example, some banks in Hawaii close on Kamehameha Day (June 11), some in Texas close on Texas Independence Day (March 2), and some in the South close on Confederate Memorial Day. A bank in one state might be open while a branch of the same bank in another state is closed.
The only reliable way to know whether your specific branch is closed for a state holiday is to check your bank's website or call ahead. Most banks list their full holiday schedule online, and many show it in the branch locator tool when you enter your zip code.
What you can do if your bank branch is closed
ATMs work around the clock at most banks, so you can withdraw cash, deposit checks (if your ATM has mobile deposit), and check your balance any time. Online banking and mobile apps never close — you can transfer money between accounts, pay bills, and see your transaction history at 3 a.m. on a holiday if you need to.
Mobile check deposit, available through most bank apps, lets you photograph a check and deposit it without visiting a branch. This works on holidays and weekends. Some banks also let you deposit cash at ATMs, though not all machines accept cash deposits.
If you need to speak to a person, call your bank's customer service line. Many banks maintain phone support on federal holidays, even when branches are closed. You may wait longer than usual, but someone is often available to help with account questions, fraud reports, or urgent issues.
How to check your specific bank's hours today
The fastest way is to visit your bank's website and look for "branch hours" or "locations." Most banks show today's hours prominently on the homepage. If you use their mobile app, it usually displays hours for your nearest branch right on the main screen.
You can also call your branch directly — the phone number is on your debit card, your statements, or the bank's website. A recorded message will tell you whether the branch is open today. If you are not sure which branch is nearest, use the bank's branch locator tool and enter your address or zip code.
If you bank at a credit union, the same approach works. Credit unions sometimes have different holiday schedules than big banks, so do not assume your credit union follows the same calendar as Chase or Bank of America.
Banks that might have different hours today
Some banks operate on non-standard schedules. Online-only banks like Ally or Charles Schwab do not have physical branches, so "closed" does not explore — you can bank anytime through their app or website. Some regional banks close on fewer holidays than national banks. Some branches in shopping malls or grocery stores have extended hours and may be open when traditional bank branches are closed.
Military banks like USAA and Navy Federal Credit Union sometimes observe different holidays than civilian banks. If you bank with a smaller institution, credit union, or online bank, check their specific holiday schedule rather than assuming it matches the federal list.
What to do if you need cash or a service right now
If your bank is closed and you need cash today, use an ATM. If you need to deposit a check, use mobile deposit through your app if your bank offers it. If you need to wire money, transfer funds, or handle something that requires a person, call your bank's phone line — many answer on holidays.
If your bank is truly unreachable and the matter is urgent (fraud, a blocked account, a payment that needs to go out), try visiting a branch in a different town. Some banks have branches in nearby cities that might be open, or you can use another bank's ATM to withdraw cash (though you may pay a fee).
Frequently Asked Questions
Is my bank open on Saturday and Sunday?
Most traditional bank branches are closed on weekends, but ATMs work 24/7. Some banks in shopping centers or grocery stores have Saturday hours, and a few have limited Sunday hours. Check your branch's specific schedule online or call ahead.
What if I need to deposit a check on a holiday?
Use mobile check deposit through your bank's app if available — you photograph the check and it deposits electronically. If your bank does not offer mobile deposit, you can mail the check or deposit it at an ATM if your bank's machines accept deposits.
Can I transfer money if the bank is closed?
Yes. Online banking and mobile apps work 24/7, so you can transfer money between your own accounts anytime. Transfers to other banks may take longer on holidays, but you can initiate them when ready.
Do credit unions close on the same holidays as banks?
Most credit unions close on federal holidays, but some observe additional state or regional holidays. Check your credit union's website or call your branch — their schedule may differ from traditional banks.
What should I do if I see a fraud charge on a holiday?
Call your bank's customer service line when ready — most banks staff fraud teams on holidays. Report the charge and ask them to freeze or cancel your card. Do not wait until the branch reopens.