Which days banks close in 2025
U.S. banks close on 11 federal holidays each year. In 2025, those days are: New Year's Day (January 1), Martin Luther King Jr. Day (January 20), Presidents' Day (February 17), Memorial Day (May 26), Juneteenth (June 19), Independence Day (July 4), Labor Day (September 1), Columbus Day (October 13), Veterans Day (November 11), Thanksgiving (November 27), and Christmas (December 25).
When a federal holiday falls on a weekend, most banks close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks typically close on Friday the 24th. Your specific bank may have its own holiday schedule, so checking their website or calling ahead is the safest way to confirm.
Some banks also close on additional days beyond the federal list — often the day after Thanksgiving or the day after Christmas. Credit unions may have different schedules than traditional banks. If you need to do banking on or near a holiday, contact your bank directly rather than assuming it will be open.
Key Takeaways
- Federal holidays when banks close include 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.
- When a holiday falls on Saturday or Sunday, banks typically close on the nearest weekday instead, usually Friday or Monday.
- Individual banks may close on additional days beyond the federal list, so checking your bank's specific holiday schedule is important.
- ATMs and online banking usually remain available even when bank branches are closed.
- Credit unions and smaller banks sometimes observe different holidays than large national banks.
What you can still do on bank holidays
Even though bank branches are closed, you can still access your money and conduct many banking tasks. ATMs work 24/7 on holidays, so you can withdraw cash, check your balance, or deposit checks using your bank's ATM or a network ATM.
Online banking and mobile apps remain available on holidays. You can transfer money between your own accounts, pay bills, check transactions, and set up automatic payments without visiting a branch. Wire transfers and ACH transfers (transfers between banks that take one to three business days) can be initiated online, though they will process the next business day.
If you need to speak with someone at your bank on a holiday, some larger banks offer phone support or chat support even when branches are closed. Check your bank's website or the back of your debit card for the customer service number.
Planning ahead for holiday closures
If you need cash or must complete a transaction that requires a teller, plan to visit your bank the business day before the holiday. This is especially important before long weekends or holidays that fall on Monday, when the branch will be closed for two days.
If you need to deposit a check, use your bank's mobile app to deposit it remotely if that option is available. Many banks allow you to photograph the front and back of a check and submit it through the app, and the deposit will post the next business day.
For bill payments, set them up a few days early using online banking. If a bill is due on a holiday, the payment will typically post the next business day, but confirming with your biller beforehand prevents confusion.
How holiday closures affect transfers and payments
Transfers between accounts at the same bank usually post when ready or within one business day, even if you initiate them on a holiday through online banking. However, transfers to other banks (ACH transfers) will not process until the next business day after the holiday.
Wire transfers initiated on a holiday will not send until the next business day. If you need money to arrive urgently, initiate the transfer the day before the holiday instead.
Automatic bill payments scheduled for a holiday will process on the next business day. If the payment date matters — for example, to avoid a late fee — make sure your scheduled payment date is before the holiday, not on it.
State and local holidays that may affect some banks
Beyond the 11 federal holidays, some states observe additional holidays that may cause certain banks to close. For example, some banks in Texas close on Texas Independence Day (March 2), and some banks in Hawaii close on Prince Kuhio Day (March 26).
Banks with branches in multiple states may close on different days depending on location. A bank branch in New York might be open on a day when a branch in another state is closed. If you have accounts at a bank with branches across different states, check the holiday schedule for the specific branch you plan to visit.
Local banks and credit unions are more likely to observe state or regional holidays than national chains. If you bank locally, ask about their full holiday schedule.
Frequently Asked Questions
Will my bank be open the day after Thanksgiving?
Most large national banks close on Thanksgiving (November 27 in 2025) but reopen the day after. However, some banks close on both Thanksgiving and the Friday after. Check your bank's specific holiday schedule on their website or by calling the branch.
Can I use my debit card on a bank holiday?
Yes. Your debit card works at ATMs and stores on bank holidays. You can withdraw cash from ATMs, make purchases, and check your balance. The only thing you cannot do is visit a physical branch to speak with a teller.
If a holiday falls on Saturday, is the bank closed on Friday?
Usually yes. When a federal holiday falls on Saturday, most banks close on Friday instead. When a holiday falls on Sunday, banks typically close on Monday. Your bank's website will show which day it observes the holiday.
Do credit unions have the same holiday schedule as banks?
Most credit unions close on the same 11 federal holidays as banks, but some observe additional holidays or have different schedules. Contact your credit union directly to confirm their 2025 holiday closure dates.
Can I pay my bills on a bank holiday?
Yes, through online banking or your bank's mobile app. Payments initiated on a holiday will process the next business day. If a bill is due on a holiday, set up the payment a few days early to may support it posts on time.