Most banks are open on Mondays, but some branches close for specific holidays

Banks in the United States are generally open on Mondays during regular business hours. The day itself is not a universal closure day. However, if Monday falls on a federal holiday — or the day a federal holiday is observed — your bank will likely be closed.

The federal holidays that most commonly fall on or are observed on a Monday are New Year's Day (January 1, or observed the following Monday if it falls on a weekend), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Independence Day (July 4, or observed on a nearby weekday), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11, or observed on a nearby weekday), Thanksgiving (fourth Thursday in November, with some banks also closing Friday), and Christmas (December 25, or observed on a nearby weekday).

Individual banks may also close on state holidays or for other reasons. Your specific bank's Monday hours depend on which bank you use, which branch location, and whether that particular Monday coincides with a holiday.

Key Takeaways

  • Most Mondays, banks operate during their normal business hours, typically 9 a.m. to 5 p.m., though hours vary by branch and bank.
  • Banks close on federal holidays, and several federal holidays are scheduled for Mondays each year, including Martin Luther King Jr. Day, Presidents' Day, Memorial Day, and Labor Day.
  • Some states and regions observe additional holidays beyond the federal list, so your bank may close on days other banks remain open.
  • The fastest way to confirm whether your bank is open on a specific Monday is to check your bank's website, call the branch directly, or use their mobile app.

Federal holidays that fall on Mondays

Several federal holidays are fixed to Mondays by law or tradition. Martin Luther King Jr. Day is always the third Monday in January. Presidents' Day is always the third Monday in February. Memorial Day is always the last Monday in May. Labor Day is always the first Monday in September. Columbus Day is always the second Monday in October.

When other federal holidays (like New Year's Day, Independence Day, Veterans Day, or Christmas) fall on a Saturday or Sunday, the federal government observes them on the nearest weekday — often a Monday. For example, if January 1 falls on a Sunday, the observed holiday is Monday, January 2, and banks close that Monday instead.

You can find the complete federal holiday calendar on the Office of Personnel Management website, which lists both the actual date and the observed date for each holiday. This is the calendar most banks follow.

How to check if your specific bank is closed

The most reliable way to know whether your bank is open on a particular Monday is to check directly with your bank. Visit your bank's website and look for a holiday hours page or branch locator tool. Most banks list their holiday closures for the entire year.

You can also call your branch's main number — the phone line usually has a recorded message stating whether the branch is open or closed that day. If you use mobile banking, your app may show branch hours and holiday closures. Some banks also send email or text notifications about upcoming closures.

If you need to conduct a transaction on a Monday that might be a holiday, do not assume your branch is open. A five-minute call or website check prevents a wasted trip.

What you can do if your bank is closed

If your bank is closed on Monday, you have several options depending on what you need to do. ATMs operate 24/7, so you can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), or transfer money between your own accounts at any time.

Online banking and mobile apps work around the clock. You can pay bills, transfer money to other people, set up automatic payments, or check your balance at any hour, even when branches are closed. These transactions typically process the next business day.

If you need to speak to someone or handle a transaction that requires a teller or banker, you will need to wait until the branch reopens. Some banks offer phone support on holidays, though not all do. Check your bank's website or call ahead to see whether holiday phone support is available.

State and regional holidays that may close banks

Beyond federal holidays, some states observe their own holidays, and banks in those states often close on those days as well. For example, some Southern states observe Confederate Memorial Day, some Western states observe Pioneer Day, and some states have unique local observances.

Banks may also close on days that are not official holidays but are significant in their region. The best approach is to assume that if your state or locality observes a holiday, your bank probably does too — but verify with your specific branch rather than guessing.

If you live near a state border or use a bank with branches in multiple states, different branches may have different holiday schedules. Always check the hours for the specific branch you plan to visit.

Planning ahead for Monday transactions

If you know you need to handle a banking task on a specific Monday, plan ahead. Check the federal holiday calendar and your bank's website at least a week in advance. If that Monday is a holiday, complete your transaction on the Friday before or the Tuesday after instead.

For time-sensitive payments or transfers, use online banking or your mobile app rather than waiting to visit a branch. Online transactions initiated on a Monday (even if the branch is closed) usually process the next business day, which is often Tuesday.

If you have a recurring bill due on a Monday that is a holiday, set up automatic payment through your bank well ahead of time. This ensures the payment goes through without you having to visit a branch or call during business hours.

Frequently Asked Questions

Are banks closed on every Monday in September?

No. Banks are closed only on the first Monday in September, which is Labor Day. All other Mondays in September, banks are open during regular hours. Check your bank's website to confirm the exact date of Labor Day each year.

What if I need cash on a Monday when the bank is closed?

Use an ATM. ATMs are available 24/7, even when branches are closed. You can withdraw cash, and many ATMs also allow deposits. If you do not have an ATM card, you will need to wait until the branch reopens.

Can I deposit a check on a Monday if the bank is closed?

If your bank offers mobile check deposit through its app, yes — you can deposit anytime, even on closed Mondays. The check will process the next business day. If your ATM has a check deposit slot, you can also use that. Otherwise, you will need to wait until the branch opens.

Do all banks close on the same federal holidays?

Most banks close on federal holidays, but some banks may have different policies. Credit unions and online-only banks may have different schedules. Always check your specific bank's holiday calendar rather than assuming all banks follow the same schedule.

How do I know if my bank observes a state holiday?

Check your bank's website for a complete holiday schedule, or call your branch and ask which state and local holidays they observe. This information is usually listed on the branch locator or hours page.