Most banks will be open on December 26, 2025
December 26 is not a federal banking holiday in the United States, so most banks will operate on their normal schedule that day. The federal holidays that close banks 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. December 26 does not appear on that list.
However, some individual banks may choose to close on December 26 if it falls on a day when they are normally closed, or if your specific bank observes a local or regional holiday. A few banks also close the day after Christmas as a courtesy to staff, even though it is not required. The safest approach is to check with your own bank directly rather than assume based on the federal calendar.
Key Takeaways
- December 26, 2025 is a Friday and not a federal banking holiday, so most banks will be open during regular business hours.
- Some banks may close on December 26 as a discretionary holiday, so you should verify with your bank before planning to visit.
- You can check your bank's holiday schedule on their website or by calling their customer service line.
- ATMs and online banking typically remain available even when physical bank branches are closed.
How to find your bank's December 26 schedule
The quickest way to know whether your bank will be open is to visit their website and look for a holiday schedule or calendar. Most banks publish this information in the fall, and it is usually found under "Hours" or "Locations" on their homepage. You can also call your local branch directly and ask whether they will be open on December 26.
If you bank with a large national bank like Bank of America, Wells Fargo, Chase, or Citibank, you can search their website for "holiday hours" or "2025 holiday schedule" to find the official list. Credit unions often post their schedules on their member portal or main website. If you cannot find the information online, a phone call to your branch takes less than a minute and removes any doubt.
What you can do if your bank is closed
Even if your bank branch is closed on December 26, you can still access your money and conduct most banking tasks. ATMs are available 24/7 at most banks, so you can withdraw cash, deposit checks (if your ATM has a deposit slot), and check your balance without visiting a branch.
Online banking and mobile apps work around the clock, so you can transfer money between accounts, pay bills, and send money to other people. If you need to speak with someone, many banks offer phone support on weekends and holidays, though wait times may be longer. Wire transfers and other services that require staff may be delayed until the next business day, but you can usually initiate them online and they will process once the bank reopens.
December 26 in 2025 and other years
December 26, 2025 falls on a Friday. In some countries outside the United States, December 26 is Boxing Day and is a public holiday, but it has no special status in U.S. banking. If you travel internationally or bank with an institution that has offices abroad, that bank may close on December 26 in those locations, but U.S. branches will not be affected.
The day after Christmas is sometimes called the "day after Christmas" informally, but it is not a recognized federal holiday. Some employers and schools close on December 26 as a matter of company policy, but banks are not required to do so and most remain open.
Planning ahead for the holiday week
If you need to handle banking tasks around Christmas and New Year's, plan ahead. December 25 (Christmas) is a federal banking holiday, so banks will definitely be closed that day. December 31 and January 1 may have reduced hours or closures depending on which day falls on a weekend. Check your bank's full holiday schedule for the end of the year so you know when you can visit a branch or when services may be delayed.
If you need to deposit a check or handle something that requires a teller, do it before December 24 if possible. If you wait until December 26, you may find your branch is closed even though it is not a federal holiday. Having a backup plan — such as using mobile check deposit or an ATM — means you will not be stuck if your branch has unexpected hours.
Frequently Asked Questions
Is December 26 a bank holiday?
No, December 26 is not a federal banking holiday in the United States. Banks are not required to close on that day. However, individual banks may choose to close as a discretionary holiday, so check with your bank directly.
Will I be able to use my ATM on December 26?
Yes, ATMs are typically available 24/7, even when bank branches are closed. You can withdraw cash, check your balance, and deposit checks (if your ATM has that feature) on December 26 regardless of whether your branch is open.
Can I do online banking on December 26?
Yes, online banking and mobile apps work around the clock. You can transfer money, pay bills, and manage your account on December 26 even if your branch is closed. Some services like wire transfers may process the next business day, but you can start them online anytime.
What if I need to speak to someone at my bank on December 26?
Many banks offer phone support on weekends and holidays, though wait times may be longer. Call your bank's customer service number to see if someone is available. If not, you can leave a message or use online chat if your bank offers it, and someone will respond the next business day.
Should I go to my bank before December 25 to be safe?
If you need to handle something that requires a teller, it is safer to go before December 24. December 25 is definitely closed, and while December 26 is usually open, some banks may close that day too. Handling it early removes any uncertainty.