Most banks are closed on Mondays only if that Monday is a federal holiday

Banks follow the same holiday schedule as the federal government. If Monday is a regular business day — not a holiday — your bank will be open during its normal hours. If Monday is a federal holiday like Martin Luther King Jr. Day, Presidents' Day, or Memorial Day, most banks will be closed that day.

The easiest way to know for certain is to check your bank's website or call the branch directly. Banks post their holiday closures weeks in advance, and most have a phone line that tells you hours before you visit.

If you need to do banking on a holiday Monday, you have options: ATMs work 24 hours even when branches are closed, and many banks let you handle routine tasks through their mobile app or website.

Key Takeaways

  • Banks close on federal holidays like Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas, but stay open on regular Mondays.
  • Your bank's website or a quick phone call will confirm whether a specific Monday is a holiday closure or a normal business day.
  • ATMs and mobile banking work on holidays, so you can withdraw cash or check your balance even when the branch is closed.
  • If you need to speak to a person on a holiday, some banks offer limited phone support or can schedule a callback for the next business day.

The federal holidays when banks close

Banks in the United States observe these federal holidays and close their branches:

  • 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 Day (fourth Thursday in November)
  • Christmas Day (December 25)

When a holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday the 24th. If New Year's Day falls on a Sunday, banks close on Monday the 2nd.

How to check if your specific bank is open Monday

The fastest way is to visit your bank's website and look for "Hours" or "Holiday Hours." Most banks list their full holiday schedule for the year. You can also search "[Your Bank Name] holiday hours" to find this page quickly.

If you cannot find it online, call your branch directly. The phone line usually tells you the hours before you speak to anyone, or you can ask a representative. Many banks also let you text or chat with customer service through their app to ask about Monday's hours.

If you are not sure which bank you use, check a recent debit card, bank statement, or email from your bank. The bank's name and a customer service number are usually on all of these.

What you can do on a holiday Monday when the branch is closed

Your bank's ATM works 24 hours a day, even on holidays. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between your accounts, and check your balance without visiting a branch.

Mobile banking through your bank's app or website lets you pay bills, send money to other people, deposit checks by taking a photo, and review your account. These services work on holidays just as they do on regular days.

If you need to speak to someone, some banks offer phone support on major holidays, though wait times are often longer. You can also leave a message or request a callback for the next business day. A few banks offer limited in-person service at certain locations on some holidays, but this is rare — call ahead if you think your bank might.

Planning ahead for Monday banking

If you know you will need to visit a branch on a specific Monday, check the holiday schedule a few days before. This gives you time to plan a visit on a different day if that Monday is a holiday, or to handle the task through ATM or mobile banking instead.

If you need a service that requires speaking to a banker — like opening a new account, explore for a loan, or discussing a problem with your account — try to schedule it on a regular business day. Most banks let you book an appointment through their website or by calling ahead, which also saves you from waiting in line.

For time-sensitive tasks like depositing a check before a important date, remember that mobile check deposit through your app usually posts the same day or the next business day, even if you deposit on a holiday.

What counts as a federal holiday for banking

Banks follow the Federal Reserve's holiday schedule, not every state or local holiday. This means your bank will close for national holidays like Thanksgiving and Independence Day, but not for state-specific holidays like Juneteenth observance in some states or local holidays that only your city recognizes.

Some banks may close for additional days beyond the federal list — for example, a few close on the day after Thanksgiving. Check your specific bank's schedule rather than assuming all banks close on the same days.

Credit unions sometimes follow a different schedule than banks. If you use a credit union, check its holiday hours separately from a traditional bank's schedule.

Frequently Asked Questions

Can I use my debit card on a holiday Monday if the bank is closed?

Yes. Your debit card works at any ATM and at stores 24 hours a day, whether your bank is open or closed. You can withdraw cash, make purchases, and check your balance without visiting a branch.

Will my direct deposit or bill payment go through on a holiday Monday?

Direct deposits and automatic bill payments scheduled for a holiday usually post the next business day instead. Check with your employer or the company you are paying to confirm their specific timing, as some process on holidays and others do not.

What if I need to deposit a check on a holiday Monday?

Use your bank's mobile app to deposit the check by taking a photo. This usually posts the same day or the next business day. If your ATM has a deposit slot, you can also deposit there, though it may take an extra day to process.

Do online banks close on 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 24 hours a day. However, some services like wire transfers may process slower on holidays.

How do I know if a Monday is a federal holiday if I am new to the country?

The easiest way is to check your bank's website for its holiday schedule, or search "federal holidays 2024" (or the current year) online. You can also ask a bank employee or call customer service — they expect this question and can tell you quickly.