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

Your bank will almost certainly be open this Monday unless it falls on a federal holiday. Banks in the United States observe 10 federal holidays each year, and when one lands on a Monday, branches close for the day. The holidays that most often affect Monday banking are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.

If this Monday is not a federal holiday, your branch will operate on its regular schedule. Most banks open between 8 and 9 a.m. and close between 4 and 6 p.m. on weekdays. Some branches stay open later on certain days or open on Saturday mornings, but Monday is a standard business day for banking.

The fastest way to confirm is to search your bank's name plus "hours" or check your bank's mobile app or website. Most banks display their holiday schedule prominently in January, and you can see the full year at once. If you cannot find the information online, call your local branch directly—the phone number is usually on your bank card or statement.

Key Takeaways

  • Banks close on 10 federal holidays per year, and several of these fall on Mondays: Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Labor Day, and Thanksgiving.
  • Your bank's website or mobile app shows holiday closures and regular hours for your specific branch.
  • If Monday is not a federal holiday, most bank branches open between 8 and 9 a.m. and close between 4 and 6 p.m.
  • Calling your branch directly is the surest way to confirm if you cannot find the information online.

Federal holidays that close banks on Mondays

Some federal holidays always fall on a Monday because they are observed on the third Monday of their month or the first Monday of September. Martin Luther King Jr. Day is the third Monday in January, Presidents' Day is the third Monday in February, and Memorial Day is the last Monday in May. Labor Day is always the first Monday in September. These four holidays close banks every single year on a Monday.

Other holidays can fall on a Monday depending on the year. New Year's Day (January 1), Independence Day (July 4), Thanksgiving (fourth Thursday in November), and Christmas (December 25) close banks when they land on a Monday or when the observed date is moved to Monday. For example, if Christmas falls on a Saturday, banks close on Monday, December 26 instead.

Thanksgiving is the only federal holiday that does not have a fixed date. It falls on the fourth Thursday of November, which means the Friday after Thanksgiving is not a federal holiday, but many banks and businesses close anyway. Check your specific bank's policy if Thanksgiving week is approaching.

How to check your bank's Monday hours before you go

Your bank's website is the fastest source. Go to the main site, look for "Locations" or "Find a Branch," enter your zip code or address, and select your branch. The page will show regular hours and any holiday closures. Most banks update this information in real time, so what you see is accurate.

Your bank's mobile app usually has the same information under a "Locations" or "Branches" tab. Some apps let you set a home branch and will alert you to changes in its hours. If you use mobile banking regularly, this is often the quickest route.

If you cannot find the information online or want to confirm before making a trip, call your branch directly. The number is on your debit card, your most recent statement, or in your bank's app. A staff member can tell you whether the branch is open Monday and what time it closes if you need to do business before a specific time.

What to do if your bank is closed on Monday

Most banks let you handle routine transactions without visiting a branch. You can transfer money between your own accounts, pay bills, deposit checks, and send money to other people through your bank's website or app. These services work 24 hours a day, seven days a week, even when branches are closed.

If you need cash, ATMs operate around the clock on holidays. You can withdraw money from your bank's ATM or from another bank's ATM (though you may pay a fee). If you need to deposit cash or speak to a person, you will have to wait until the branch reopens.

Some banks operate branches inside grocery stores, pharmacies, or other retail locations. These branches may have different hours than the main branch and may be open when the main location is closed. Search your bank's website for "branch locations" and filter by the store type to see if one is near you.

Banks that may have different Monday hours

Credit unions sometimes have different holiday schedules than banks. While most credit unions observe the same 10 federal holidays, some close on additional days or have different branch hours. If you use a credit union, check its website or call your local branch to confirm Monday's hours.

Online banks do not have physical branches, so they do not have branch hours. However, they may have limited customer service hours on holidays. If you bank entirely online and need to reach someone on a holiday Monday, check your bank's website for holiday customer service hours.

Banks in different states may observe state holidays in addition to federal holidays. For example, some states observe Juneteenth or other state-specific holidays. If you are banking in a state other than where you live, check that state's holiday calendar as well.

Frequently Asked Questions

Is my bank open on Martin Luther King Jr. Day?

No. Martin Luther King Jr. Day is a federal holiday, and all banks close on this day. It falls on the third Monday in January. If you need to do banking that day, use your bank's website, app, or ATM.

What if the holiday falls on a Saturday or Sunday?

If a federal holiday falls on a Saturday, banks close on Friday. If it falls on a Sunday, banks close on Monday. Your bank's website will show the observed date for each holiday.

Can I deposit a check on a bank holiday?

You can deposit checks through your bank's mobile app or ATM on any day, including holidays. The deposit may not post to your account until the next business day, but the transaction goes through when ready.

Do all branches of the same bank have the same hours?

Not always. Different branches of the same bank can have different hours, especially if one is in a grocery store or mall. Always check the specific branch you plan to visit.

What if I need to access my money on a bank holiday?

ATMs work 24 hours a day on holidays. You can also transfer money, pay bills, and deposit checks through your bank's website or app without visiting a branch.