Most banks close on Juneteenth, but not all of them
Juneteenth (June 19) became a federal holiday in 2021. All federally chartered banks must close on this day. That includes most large national banks: Bank of America, Wells Fargo, Chase, Citibank, and US Bank all shut their doors. However, some state-chartered banks and credit unions stay open, and a few large banks operate limited services. The safest assumption is that your bank is closed, but you should check directly with your branch or online banking portal the day before.
The closure affects in-person services only. You can still use ATMs, mobile apps, and online banking on Juneteenth. Deposits made through ATMs or mobile deposit will process when the bank reopens the next business day. Wire transfers and other time-sensitive transactions should be handled before the holiday.
Key Takeaways
- All federally chartered banks close on Juneteenth, but some state-chartered banks and credit unions remain open.
- ATMs and online banking work on Juneteenth even when branches are closed.
- Deposits made through ATMs or mobile apps will post the next business day.
- If you need in-person banking on June 19, call your branch ahead of time to confirm whether it will be open.
- Wire transfers and time-sensitive transactions should be completed before the holiday.
Which banks definitely close on Juneteenth
Federal Reserve member banks are required to close on Juneteenth. This includes all the major national banks: Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC, Capital One, and TD Bank. If your bank is part of a large national network, it almost certainly closes.
Most credit unions also close on Juneteenth because they follow the same federal holiday calendar as banks. However, some smaller or regional credit unions may stay open. Your credit union's website will list its holiday schedule, or you can call the branch directly.
Banks and credit unions that may stay open
Some state-chartered banks that are not Federal Reserve members may remain open on Juneteenth. These are typically smaller, regional institutions. A few online banks also operate on federal holidays since they have no physical branches to close. However, even online banks usually halt certain services like wire transfers on federal holidays.
The only way to know for certain is to contact your specific bank or credit union. Check their website for a holiday schedule, call the customer service number on the back of your card, or visit your local branch in person before June 19.
What you can and cannot do on Juneteenth
ATMs work on Juneteenth regardless of whether your bank's branches are closed. You can withdraw cash, check your balance, and transfer money between your own accounts using any ATM in your bank's network. ATM deposits are also available at most banks, though the funds may not post until the next business day.
Mobile deposit (taking a photo of a check through your bank's app) works on Juneteenth. The check image will be received and processed when the bank reopens. Online bill pay and transfers between your own accounts also work through your bank's website or app. However, transfers to other people's accounts or wire transfers may be delayed if they require manual processing.
In-person services are unavailable: you cannot speak to a teller, open a new account, get a cashier's check, or handle disputes in person on Juneteenth. If you need any of these services, complete them before June 18 or wait until June 20.
Planning ahead for Juneteenth banking
If you know you will need cash or in-person banking services around Juneteenth, withdraw money and handle transactions on June 18 or earlier. This is especially important if you need a cashier's check, a new debit card, or help with a disputed transaction.
If you are expecting a direct deposit on or around June 19, it will likely post on June 20 instead. Payroll processors usually submit deposits the day before payday, but banks do not process them until they reopen. Check with your employer or payroll department if you are unsure when your deposit will arrive.
For wire transfers, initiate them before June 18. Wires sent on Juneteenth may not be processed until June 20, and some receiving banks may hold them longer if they arrive on a holiday.
What to do if you need banking services on Juneteenth
Call your bank's customer service line before June 19 to ask whether your specific branch will be open. Some banks operate a small number of branches on federal holidays, particularly in areas with large populations or high demand. Your local branch might be one of them.
If your branch is closed and you need cash, use an ATM. If you need a service that requires a teller, ask whether you can handle it online or through mobile banking. Many routine tasks—paying bills, transferring money, depositing checks—can be done without visiting a branch.
If you have a time-sensitive issue like a disputed charge or a frozen account, call customer service on June 18. Explain the situation and ask what steps you can take while the branch is closed. Some issues can be resolved over the phone or through your online account.
Frequently Asked Questions
Will my paycheck deposit on Juneteenth if it's supposed to arrive that day?
Probably not. Most employers submit payroll the day before payday, but banks do not process deposits on federal holidays. Your paycheck will likely post on June 20 instead. Check with your employer's payroll department if the timing is critical.
Can I use my debit card on Juneteenth?
Yes. Your debit card works at stores, restaurants, and online merchants on Juneteenth. You can also use it at ATMs to withdraw cash. The only limitation is that you cannot visit a bank branch in person.
What if I need to deposit a check on Juneteenth?
Use mobile deposit through your bank's app if you have it. Take a photo of the front and back of the check and submit it through the app. The check will be received and processed when the bank reopens on June 20. ATM deposits also work if your bank offers them.
Do online banks close on Juneteenth?
Online banks have no physical branches, so they do not "close" in the traditional sense. However, most halt wire transfers and other services that require manual processing on federal holidays. You can still access your account, check balances, and use mobile deposit.
If Juneteenth falls on a weekend, do banks close on Friday or Monday instead?
When Juneteenth falls on a Saturday, most banks close on Friday. When it falls on a Sunday, most banks close on Monday. Check your bank's holiday schedule to confirm, as some institutions handle observed holidays differently.