The fastest way to know if tomorrow is a bank holiday

The U.S. Federal Reserve publishes the official list of bank holidays each year on its website. Go to federalreserve.gov, search for "bank holidays," and you will see the full calendar for the current year. The list shows the exact date of each holiday and which day of the week it falls on. If tomorrow's date appears on that list, banks will be closed.

You can also check your own bank's website or call their customer service line. Some banks observe holidays on different dates than the federal standard — for example, some recognize additional state holidays — so what applies to one bank may not apply to another. Your bank's holiday schedule is usually posted in the "Hours" or "Contact Us" section of their website.

If you need to know right now, the simplest method is to search "federal bank holidays 2024" or "federal bank holidays 2025" (depending on the current year) and look at the official Federal Reserve calendar in the results. You will see the date immediately.

Key Takeaways

  • The Federal Reserve publishes the official U.S. bank holiday calendar each year on federalreserve.gov.
  • Bank holidays fall on fixed dates: New Year's Day (January 1), Independence Day (July 4), Thanksgiving (fourth Thursday in November), Christmas (December 25), and others.
  • Some banks observe additional state holidays or move holidays to nearby business days, so check your specific bank's schedule if the federal list does not match.
  • If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead — usually Friday if the holiday is Saturday, or Monday if it is Sunday.

The complete list of federal bank holidays

There are eleven federal bank holidays observed by most U.S. banks. New Year's Day is January 1. Martin Luther King Jr. Day is the third Monday in January. Presidents' Day is the third Monday in February. Memorial Day is the last Monday in May. Juneteenth National Independence Day is June 19. Independence Day is July 4. Labor Day is the first Monday in September. Columbus Day is the second Monday in October. Veterans Day is November 11. Thanksgiving Day is the fourth Thursday in November. Christmas Day is December 25.

When a holiday falls on a Saturday, most banks close on Friday instead. When a holiday falls on a Sunday, most banks close on Monday instead. This rule does not apply to all banks — some close on the actual date regardless of the day of the week — so confirm with your bank if the holiday falls on a weekend.

Why this matters for your refund or payment

If you are waiting for a tax refund, insurance refund, or government payment to arrive, a bank holiday tomorrow affects when the money will show up in your account. Deposits and transfers that would normally post overnight may not process until the next business day after the holiday. If your bank is closed tomorrow, any pending deposits will wait until the bank reopens.

This does not mean the money is lost or delayed beyond the normal timeline — it simply means the clock does not move forward on a holiday. If you were expecting a deposit to post tomorrow and tomorrow is a bank holiday, plan for it to arrive the next business day instead.

How to check your bank's specific holiday schedule

Visit your bank's website and look for a link labeled "Hours," "Holiday Hours," "Locations," or "Contact Us." Most banks post their full holiday schedule there. If you cannot find it online, call the customer service number on the back of your debit card or on your bank statement. They can tell you whether your branch is open tomorrow and when they will reopen if they are closed.

If you use an online-only bank, check their website or app for a holiday schedule. Online banks often process transactions differently than brick-and-mortar banks, and some do not close on federal holidays at all — they process deposits and transfers on weekends and holidays just as they do on regular business days. Your bank's website will state this clearly.

What happens if you need to deposit a check on a bank holiday

If tomorrow is a bank holiday and you need to deposit a check, you have a few options. Most banks allow you to deposit checks through their mobile app or ATM, and these deposits usually process the same way whether the bank is open or closed — they will post on the next business day. If your bank offers mobile check deposit, you can photograph the check and submit it through the app without visiting a branch.

If you cannot use mobile deposit and the bank is closed, you can wait until the next business day to deposit in person or at an ATM. Checks do not expire immediately, so waiting one day will not cause a problem. If the check is time-sensitive or you are worried about it, call your bank to ask whether they have after-hours deposit options.

Bank holidays versus government office closures

A bank holiday means banks are closed, but it does not automatically mean government offices are closed. Some federal holidays close both banks and government offices — like Christmas and Independence Day. Others, like Presidents' Day, close banks and federal offices but not all state or local government offices. If you need to reach a government agency tomorrow, check their website or call ahead to confirm they are open.

This distinction matters if you are tracking a tax refund or waiting for a government payment. The IRS and Social Security Administration observe federal holidays, so if tomorrow is a bank holiday, their offices will also be closed. This may delay responses to calls or emails, but it will not delay direct deposits that are already scheduled — those process automatically regardless of whether offices are open.

Frequently Asked Questions

If tomorrow is a bank holiday, will my direct deposit still go through?

Yes. Direct deposits are processed automatically by the banking system and do not depend on the bank being staffed. If your employer or a government agency scheduled a deposit for tomorrow, it will post on that date even if the bank is closed. The money will be in your account when the bank reopens.

Does a bank holiday affect wire transfers or ACH payments?

Wire transfers and ACH payments initiated before a bank holiday will process on the next business day after the holiday. If you send a wire transfer on a bank holiday, it will not move until the following business day. Check with your bank about their cutoff times if you need a payment to go through urgently.

Can I withdraw money from an ATM on a bank holiday?

Yes. ATMs operate independently of bank branch hours, so you can withdraw cash on a bank holiday as long as your account has funds available. The withdrawal will post immediately, just as it does on any other day.

What if my bank observes a holiday that is not on the federal list?

Some banks close on state holidays or additional observances that are not federal holidays. Check your bank's website or call them directly to see their full schedule. They will tell you which days they are closed beyond the standard federal holidays.

How do I know if my state observes different holidays than the federal government?

State governments sometimes observe holidays that the federal government does not, or observe them on different dates. Your state's government website will list the official state holidays. However, banks follow the Federal Reserve's schedule, not the state's, so your bank will close on federal holidays even if your state does not observe them.