Most banks adhere to the Federal Reserve System’s holiday schedule. For 2025, these holidays include New Year’s Day, Martin Luther King, Jr. Day, Washington’s Birthday, Memorial Day, Juneteenth, Fourth of July, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. If a holiday falls on a Saturday, banks are open the preceding Friday. If a holiday falls on a Sunday, banks are closed the following Monday.
Online banks typically don’t have physical branches, but transactions might be delayed on holidays. Customer service availability may also vary. For example, Capital One 360 offers customer support on most holidays but is closed on Thanksgiving, Christmas, and New Year’s Day.
It’s crucial to plan ahead, especially during holiday weekends. Check your bank’s website for their specific holiday schedule or contact them directly if you can’t find the information online. Most banks list their holiday closures on their websites, often in the FAQ section or on a dedicated page.
Banks and financial institutions close on federal holidays. Most have a holiday list on their websites for customers to prepare in advance. Some national banks include this information in their website’s FAQ section. Others, like TD Bank and Regions Bank, have dedicated pages outlining bank holiday schedules. During these holidays, physical bank branches will either be closed entirely or operate with modified hours. Customer service hours may also vary depending on the specific bank.
If you can’t find a holiday schedule on your bank’s website, calling your local branch is the best way to confirm their holiday hours. While online banks generally don’t have physical branches, holidays can still impact your banking. Transactions may be delayed until the next business day when an online bank observes a holiday. Customer service hours for online banks usually remain consistent, but there are exceptions.
Transactions, including direct deposits, are generally not processed on bank holidays, regardless of whether you bank online or at a physical branch. This applies to both online banks like Ally Bank and Chime, and traditional institutions like Chase, Wells Fargo, and Bank of America. Transactions typically resume on the next business day.
While bank branches are closed on federal holidays, ATMs remain operational. You can use your debit or ATM card to withdraw cash as needed. If you’re traveling and can’t find a fee-free ATM within your bank’s network, you can use your debit card to get cash back at many retail stores to avoid out-of-network ATM fees.
If you need to cash a check on a bank holiday, several options are available. You can cash it at a participating retail store, though fees may apply. Some ATMs allow check cashing or deposits, but this often requires having sufficient funds already in your account. Alternatively, you can deposit the check via your bank’s mobile app or online platform and then withdraw the cash from an ATM. However, keep in mind that the funds might not be immediately available.
Federal bank holidays are days when the Federal Reserve is closed. Most banks observe these holidays, and transactions or automated payments scheduled for these days are usually delayed. State bank holidays function similarly but are determined at the state or local level. Examples include Inauguration Day in Washington, D.C., or Patriot Day in Massachusetts. Banks might close or operate with reduced hours on state holidays, and credit unions are more likely to observe state holidays than traditional banks. To determine if your bank is closed for a holiday, check their website for announcements, holiday calendars, or contact their customer service line for assistance. You can also call the customer service line to confirm local branch hours.
