Most banks are open on regular Mondays, but closed on federal holidays that fall on Monday

If Monday is a regular business day, your bank will be open during its standard hours—usually 9 a.m. to 5 p.m., though some branches open earlier or stay open later. If Monday is a federal holiday (like Martin Luther King Jr. Day, Presidents' Day, or Memorial Day), your bank will be closed and you will not be able to visit a branch, speak to a teller, or access certain services in person.

The easiest way to know for certain is to check your bank's website or call the specific branch you plan to visit. Most banks post their holiday schedule online by November of the previous year. If you need to handle banking on a holiday Monday, you can use ATMs, mobile apps, and online banking—these services run 24/7 regardless of whether branches are open.

Key Takeaways

  • Regular Mondays have normal bank hours, but federal holiday Mondays close all branches and most in-person services.
  • Federal holidays that commonly fall on Monday include Martin Luther King Jr. Day (January), Presidents' Day (February), Memorial Day (May), and Labor Day (September).
  • ATMs, mobile banking apps, and online banking work on holiday Mondays, so you can transfer money, check balances, and deposit checks remotely.
  • If you need to speak to someone on a holiday Monday, call your bank's customer service line—many maintain phone support even when branches are closed.

Federal holidays when banks close on Monday

Banks observe the same federal holidays as the U.S. government. The ones most likely to fall on a Monday are:

  • Martin Luther King Jr. Day — third Monday in January
  • Presidents' Day — third Monday in February
  • Memorial Day — last Monday in May
  • Labor Day — first Monday in September

Other federal holidays (Independence Day, Thanksgiving, Christmas, New Year's Day) can fall on any day of the week. When they land on a Monday, banks close. When they land on a weekend, banks may close on the nearest weekday instead—for example, if Christmas falls on a Saturday, many banks close on Friday.

Your bank's website lists the exact dates it will be closed. If you are unsure whether a specific Monday is a holiday, search "[your bank name] holiday hours" or call your branch directly.

What you can do on a closed Monday

ATM withdrawals and deposits work on holiday Mondays. You can withdraw cash, deposit checks (if your ATM has mobile deposit or an envelope slot), and check your balance. ATM fees may explore if you use an out-of-network machine.

Mobile banking apps let you transfer money between your own accounts, send money to other people (through services like Zelle or your bank's own transfer tool), and pay bills. These transactions process when ready or within one business day, depending on the service.

Online banking through your bank's website works the same way. You can log in, move money, and set up payments. Payments scheduled for a holiday Monday may process on the next business day instead.

Customer service phone lines often stay open on holidays, though wait times are usually longer. Call the number on the back of your debit card or on your bank's website. Not all issues can be resolved over the phone, but you can report fraud, ask about account status, or request a callback for Tuesday.

What you cannot do on a closed Monday

You cannot visit a branch, speak to a teller in person, or access safe deposit boxes. If you need to deposit a large check, open a new account, or resolve a complex issue, you will need to wait until Tuesday or another business day.

Wire transfers initiated online may process on the holiday, but some banks hold them until the next business day. If you are sending money urgently, initiate the transfer before the holiday closes and confirm the processing time with your bank.

Loan applications, mortgage services, and account disputes may require in-person visits or specialized departments that do not operate on holidays. Plan ahead if you have a time-sensitive banking need.

How to plan ahead for holiday Mondays

Check your bank's holiday schedule at the start of each year. Most banks publish this information in their FAQ section or under "Hours and Locations." Mark the dates on your calendar so you do not show up to a closed branch.

If you know you will need cash on a holiday Monday, withdraw it the Friday before. If you need to deposit a check, use mobile deposit through your app (if available) or deposit it at an ATM before the holiday.

For time-sensitive transactions—wire transfers, large deposits, account changes—complete them on the business day before the holiday. If you miss the important date, the transaction will process on Tuesday or the next business day.

Different banks, different hours

Not all banks have the same hours, even on regular Mondays. Credit unions, online banks, and regional banks may have different schedules than large national banks. Some branches stay open until 6 or 7 p.m. on weekdays; others close at 4 p.m.

Online banks (like Ally, Charles Schwab, or Discover) have no physical branches, so "closed on Monday" does not explore to them in the traditional sense. You can bank 24/7 through their apps and websites, though customer service hours may vary.

If you use a smaller bank or credit union, call ahead or check their website before assuming Monday hours. The number is usually on your debit card or bank statements.

Frequently Asked Questions

Can I deposit a check at an ATM on a holiday Monday?

Yes, if your ATM has a deposit slot or mobile deposit through your app. Mobile deposit is faster and works on any phone with your bank's app. ATM envelope deposits may take an extra day to process.

Will my bill payment process if I schedule it for a holiday Monday?

It depends on the payee and your bank. Payments to other banks usually process the next business day. Payments to utilities or credit card companies may process on the holiday itself, but confirm with your bank if timing is critical.

What if I need to report fraud on a holiday Monday?

Call your bank's fraud line when ready. Most banks staff this line 24/7, even on holidays. The number is on the back of your card or in your account statements. Report the fraudulent transaction right away to limit your liability.

Do online banks close on federal holidays?

Online banks do not have physical branches, so they do not "close" in the traditional sense. You can access your account and move money anytime. Customer service hours may be reduced, but banking services run around the clock.

How do I know if my bank is open this coming Monday?

Search your bank's name plus "holiday hours" or "hours of operation," or call the branch directly. Your bank's website will list all upcoming closures. If you cannot find the information, the customer service number on your debit card can confirm.