How to learn about Monday is a bank holiday
The fastest way is to check the Federal Reserve's official holiday calendar at federalreserve.gov or the U.S. Office of Personnel Management calendar at opm.gov/policy-data-oversight/pay-leave/federal-holidays. Both list every federal bank holiday for the current year. If Monday falls on one of those dates, banks will be closed and you won't be able to conduct in-person transactions.
Federal bank holidays are fixed to specific dates each year. If you know the date of the Monday you're asking about, you can cross-check it against the list in seconds. The same Monday is a bank holiday everywhere in the United States — there's no state-by-state variation for federal holidays.
Some banks also close on state holidays that fall on Monday, even though those aren't federal bank holidays. Your own bank's website will show its holiday schedule under a link like "Hours" or "Holiday Schedule." That's the most reliable source for whether your specific bank will be open.
Key Takeaways
- Federal bank holidays are the same across all U.S. banks and are listed on federalreserve.gov and opm.gov.
- If Monday matches a federal holiday date, all banks will be closed for in-person services that day.
- Some banks also close on state holidays, so check your bank's own holiday schedule to be certain.
- ATMs and online banking typically work on bank holidays even when physical branches are closed.
The complete list of federal bank holidays
There are eleven federal bank holidays each year. Most fall on the same date every year, but a few are observed on the Monday closest to the actual date. Here's what to look for when checking if Monday is one of them:
| Holiday | Date or Rule |
|---|---|
| New Year's Day | January 1 |
| Birthday of Martin Luther King, Jr. | Third Monday in January |
| Washington's Birthday (Presidents' Day) | Third Monday in February |
| Memorial Day | Last Monday in May |
| Juneteenth National Independence Day | June 19 |
| Independence Day | July 4 |
| Labor Day | First Monday in September |
| Columbus Day | Second Monday in October |
| Veterans Day | November 11 |
| Thanksgiving Day | Fourth Thursday in November |
| Christmas Day | December 25 |
If the Monday you're asking about matches any of these dates or rules, your bank will be closed. For example, if Monday is the third Monday in January, it's Martin Luther King Jr. Day and banks will be closed. If Monday is December 25 and that date falls on a Monday, Christmas Day is a bank holiday.
When a federal holiday falls on a Saturday, banks typically observe it on Friday. When it falls on a Sunday, they observe it on Monday. This means you might see a bank closed on a Monday that isn't technically a holiday — it's the observed day for a Sunday holiday.
What stays open on bank holidays
ATMs work on bank holidays because they're automated machines, not staffed locations. You can withdraw cash, check your balance, and transfer money between your own accounts 24/7, even when the bank building is closed.
Online banking also runs on bank holidays. You can log into your account, pay bills, transfer money, and deposit checks by phone or mobile app. The only thing you can't do is walk into a branch, speak to a teller, or conduct business that requires a person.
If you need to deposit a physical check on a Monday bank holiday, use mobile deposit through your bank's app if you have it. Otherwise, the check won't be processed until the next business day after the holiday ends.
When your bank might close on a Monday that isn't a federal holiday
Some states observe additional holidays beyond the federal list. If your bank is in a state that recognizes a state holiday on Monday, the bank may close even though it's not a federal bank holiday. Examples include Cesar Chavez Day in California, Evacuation Day in Massachusetts, and Confederate Memorial Day in some Southern states.
The safest approach is to check your bank's website directly. Most banks publish their holiday schedule for the full year, and you can search for the specific Monday you're concerned about. If the bank's schedule doesn't show a closure, you can assume it will be open for in-person services.
You can also call your bank's customer service line to ask whether a specific Monday is a holiday for them. They'll give you a definitive answer in one call.
What to do if you need banking services on a Monday holiday
If you need to deposit cash or a check, use an ATM or mobile deposit. Both work around the clock. Mobile deposit is faster — you photograph the check through your bank's app and it's submitted instantly, though it may take one or two business days to clear.
If you need to speak to someone, most banks offer phone support on holidays. Call the number on the back of your debit card or on your bank's website. You may reach a smaller team than usual, but basic questions about your account can usually be answered.
If you need to open a new account, apply for a loan, or handle something that requires a signature or in-person verification, you'll have to wait until the next business day. Plan ahead if you know you'll need that kind of service.
Frequently Asked Questions
If Monday is a bank holiday, when will my direct deposit hit my account?
Direct deposits scheduled for a bank holiday typically post on the next business day instead. If your employer sends payroll on Friday for Monday deposit, and Monday is a holiday, the money usually arrives Tuesday. Check with your employer's payroll department to confirm their specific timing.
Can I use my debit card on a bank holiday Monday?
Yes. Debit card transactions at stores, restaurants, and online merchants work normally on bank holidays. You can also use ATMs to withdraw cash. The only thing that doesn't work is in-person banking at a closed branch.
Do credit unions close on the same Mondays as banks?
Most credit unions follow the same federal holiday schedule as banks, but some observe different holidays or have their own schedules. Check your credit union's website or call them to confirm whether a specific Monday is a holiday for them.
What if I need to pay a bill that's due on a Monday bank holiday?
Pay it online or by phone before the holiday. Online bill pay typically processes the next business day, so if you submit it on Friday for a Monday holiday, it usually clears Tuesday. If the bill is due Monday itself, paying online before the holiday ensures it's on time.
Are stock markets closed on the same Mondays as banks?
The stock market follows a similar but not identical holiday schedule. Most federal bank holidays close the stock market, but not all. Check the NYSE or NASDAQ holiday calendar if you're trading on a Monday you think might be a holiday.