How to learn about banks are closed today
The fastest way to know if today is a banking holiday is to check your bank's website or call their customer service line. Most banks post holiday schedules on their homepage, and the phone line will tell you immediately whether branches are open. If you need to know right now, your bank's mobile app usually shows branch hours for today.
The Federal Reserve observes 11 federal holidays each year when most banks close. However, not every bank closes on every federal holiday — some regional banks and credit unions follow different schedules. Your specific bank may also stay open on days when the Federal Reserve is closed, or close on days when it is open.
If you cannot reach your bank directly, the Federal Reserve's website lists which days it will be closed. That tells you when the banking system itself shuts down, though your individual bank may have different hours.
Key Takeaways
- Call your bank's customer service line or check their website to see if they are open today — this is faster and more accurate than checking a general holiday calendar.
- Federal holidays do not automatically close all banks; some stay open while others close, depending on the bank's policy.
- The Federal Reserve publishes its own holiday schedule, which affects the banking system but not necessarily your local branch.
- Mobile banking apps usually show your branch's hours for today without requiring a phone call.
- Holiday hours vary by location, so a branch in one city may be open while another branch in a different city is closed.
The 11 federal holidays that typically close banks
The Federal Reserve closes on New Year's Day, Birthday of Martin Luther King Jr., Washington's Birthday, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. These are the days when the Federal Reserve itself does not operate.
Even on these days, some banks remain open. Certain large national banks keep branches open on some federal holidays, and many credit unions operate on their own schedules. A bank may close on a federal holiday in one state but stay open in another, depending on state law and the bank's internal policy.
Why your bank might be open or closed on a federal holiday
Banks decide their own holiday schedules within limits set by federal and state law. A bank must close when the Federal Reserve is closed if it needs to settle transactions through the Federal Reserve that day. However, if a bank can handle the day's work without Federal Reserve services, it may stay open.
State law also matters. Some states require banks to close on certain holidays, while others do not. A bank operating in multiple states may follow the strictest rule that applies to any of its locations, or it may vary by branch.
Credit unions and smaller regional banks often follow different schedules than large national banks. A credit union might close on a federal holiday while a national bank stays open, or vice versa.
How to check your specific bank's hours for today
Open your bank's website and look for "branch hours" or "locations." Most banks let you enter your zip code or select your branch to see today's hours. If today shows as closed, the website will usually say so directly.
Call your bank's main customer service number. A representative can tell you whether your branch is open today and what time it closes. This is the most reliable method if you need an answer in the next few minutes.
Check your bank's mobile app. Most apps show your primary branch's hours for today on the home screen or under a "locations" tab. This works even if you cannot reach a person by phone.
What to do if you need banking services on a holiday
If your branch is closed today but you need to deposit a check or withdraw cash, use an ATM. ATMs operate 24 hours on federal holidays at most banks. You can also use mobile deposit through your bank's app to photograph and send a check without visiting a branch.
If you need to speak to someone, many banks offer phone support on holidays even when branches are closed. Call the number on the back of your debit card or on your bank's website to reach customer service.
Online banking and bill pay work on holidays. You can transfer money between accounts, pay bills, and check your balance anytime, even when branches are closed.
Banking holidays versus stock market holidays
A banking holiday and a stock market holiday are not the same thing. The stock market (NYSE and NASDAQ) closes on different days than banks do. For example, the stock market is closed on Presidents' Day, but most banks are open. If you trade stocks or manage investments, check the stock exchange's calendar separately from the banking calendar.
If you have a brokerage account, your broker may have different holiday hours than your bank. Call your broker directly to confirm whether they are open today.
Frequently Asked Questions
Can I use my debit card on a banking holiday?
Yes. Debit cards work at ATMs and online 24 hours a day, including on banking holidays. You can withdraw cash, check your balance, and make purchases. You just cannot visit a branch in person if it is closed.
Will my direct deposit arrive on a banking holiday?
Direct deposits scheduled for a banking holiday usually arrive the next business day instead. If your deposit is scheduled for today and today is a federal holiday, check with your employer or the source of the deposit to confirm when it will actually hit your account.
Do credit unions close on the same days as banks?
Not always. Credit unions set their own holiday schedules. Some close on all federal holidays, while others stay open. Call your credit union to ask about today's hours, or check their website.
What if I need to pay a bill and the bank is closed?
Pay online through your bank's website or app, or set up automatic bill pay. Both work on holidays. If you need to mail a check, send it early so it arrives before the due date.
Are banks closed on state holidays?
Some are. Banks may close on state-specific holidays like Thanksgiving in some states or Juneteenth in others, depending on where the branch is located. Check your bank's website or call to confirm whether your branch observes the state holiday you are asking about.