Most major banks close on Juneteenth, but the timing depends on which day it falls and whether your bank observes it

Yes, most banks in the United States close on Juneteenth (June 19th), which became a federal holiday in 2021. When Juneteenth falls on a weekday, you will not be able to visit a branch, use ATMs at that branch, or conduct business that requires a teller. If Juneteenth lands on a Saturday or Sunday, banks typically observe the holiday on the nearest weekday — usually the Friday before or the Monday after.

Not every bank treats Juneteenth the same way. Some regional banks and credit unions may stay open, so it is worth checking with your specific institution. The safest approach is to contact your bank directly or check their website a few days before Juneteenth to confirm their hours.

Key Takeaways

  • Federal banks close on Juneteenth when it falls on a weekday, and most major national banks follow the same schedule.
  • When Juneteenth falls on a weekend, banks observe the holiday on the nearest weekday — usually Friday if it is on Saturday, or Monday if it is on Sunday.
  • Some regional banks and credit unions may stay open on Juneteenth, so you should verify your bank's specific closure schedule.
  • ATMs at branch locations may not work during closures, but ATMs at other locations or from other banks usually remain available.
  • Plan ahead for deposits, withdrawals, or time-sensitive transactions by conducting them the business day before the holiday.

Which banks close and which stay open

All Federal Reserve member banks close on Juneteenth when it is a federal holiday. This includes the major national banks you likely use: Bank of America, Wells Fargo, Chase, Citibank, and US Bank all close their branches on Juneteenth.

Credit unions vary. Many credit unions are members of the CO-OP network or Allpoint and follow federal holiday schedules, so they close on Juneteenth. However, some smaller or regional credit unions set their own schedules and may remain open. Call your credit union or check their website to know for certain.

Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no branch closure. However, you may experience delays in processing deposits or transfers if they observe the holiday internally.

What stays open and what does not

When a bank closes for Juneteenth, the branch itself is closed and tellers are not available. You cannot deposit checks, withdraw cash from a teller, or conduct in-person business. However, ATMs typically remain operational — both at your bank's locations and at other banks or networks.

Online banking platforms stay open. You can transfer money between your own accounts, pay bills, and check your balance from your phone or computer on Juneteenth, just as you would on any other day. Wire transfers and ACH transfers initiated on Juneteenth may not process until the next business day, depending on the time you submit them.

If you need cash and your bank is closed, you can use an ATM from another bank or network. Most ATMs charge a small fee if you use a different bank's machine, but the transaction will go through.

When Juneteenth falls on a weekend

Juneteenth is observed on June 19th each year. When June 19th lands on a Saturday, most banks observe the holiday on Friday, June 18th. When June 19th lands on a Sunday, most banks observe the holiday on Monday, June 20th. A few banks may observe it on the actual date even if it falls on a weekend, so check your bank's holiday schedule to be sure.

The Federal Reserve publishes its official holiday schedule each year, and most banks align with it. You can find the Federal Reserve's schedule on their website by searching for "Federal Reserve holiday calendar" and the current year.

Planning ahead for deposits and time-sensitive transactions

If you need to deposit a check or withdraw cash before Juneteenth, do it the business day before — Thursday if Juneteenth is on Friday, or Friday if Juneteenth is on Monday. Checks deposited on Juneteenth will not be processed until the next business day, which can delay when the funds appear in your account.

If you are expecting a direct deposit (such as a paycheck or tax refund) on or around Juneteenth, it will likely arrive on the next business day if the deposit was scheduled for the holiday itself. Most employers and government agencies process direct deposits the night before they are due to post, so a deposit scheduled for Juneteenth will usually hit your account on Friday if Juneteenth is on Saturday, or on Tuesday if Juneteenth is on Monday.

For wire transfers or time-sensitive payments, initiate them at least one business day before Juneteenth. If you wait until Juneteenth to send a wire, it will not process until the next business day, which could cause a late payment if you have a deadline.

What to do if you need banking services on Juneteenth

Use an ATM to withdraw cash or check your balance. ATMs are available 24/7 at most banks, even when branches are closed. If you need to deposit a check, you can use a mobile deposit feature through your bank's app — most banks allow you to photograph the front and back of a check and submit it electronically, and it will be processed the next business day.

If you have an urgent banking need that requires speaking to someone, call your bank's customer service line. Most banks maintain a phone line on holidays, though wait times may be longer. Some banks also offer chat support through their website or app.

If your bank is a credit union, check whether they have a shared branch network. Many credit unions participate in the CO-OP network, which means you can visit another credit union's branch on Juneteenth and conduct basic transactions like deposits and withdrawals.

Frequently Asked Questions

Will my direct deposit arrive on Juneteenth?

Direct deposits scheduled for Juneteenth will usually arrive the next business day instead. Most employers and government agencies process deposits the night before they are due to post, so a deposit scheduled for the holiday will hit your account on the following business day. Check with your employer or the agency sending the deposit if you need to know the exact timing.

Can I use my debit card on Juneteenth if the bank is closed?

Yes. Your debit card works at ATMs and stores on Juneteenth regardless of whether your bank's branch is closed. You can withdraw cash from an ATM or make purchases anywhere that accepts cards. The only thing you cannot do is visit a branch and speak to a teller.

Do online banks close for Juneteenth?

Online-only banks do not have physical branches, so there is no branch closure. However, they may observe the holiday internally, which can delay processing of deposits or transfers submitted on Juneteenth. Transfers initiated on Juneteenth may not process until the next business day.

What if I need to deposit a check on Juneteenth?

Use mobile deposit through your bank's app if it is available — photograph the front and back of the check and submit it electronically. The check will be processed the next business day. If your bank does not offer mobile deposit, wait until the next business day to deposit it in person or at an ATM that accepts deposits.

Are stock markets closed on Juneteenth?

Yes, the New York Stock Exchange and NASDAQ both close on Juneteenth. If you need to trade stocks or access your brokerage account, you can do so through your online platform, but trades will not execute until the market reopens the next business day.