The fastest way to check today's status
The U.S. Federal Reserve and most banks observe 11 federal holidays each year. To find out whether today is one of them, check the Federal Reserve's official holiday calendar at federalreserve.gov — search for "holiday schedule" — or call your bank's customer service line. Your bank may also post the information on its website or mobile app under "hours" or "holiday schedule".
If today is a federal holiday, most banks will be closed and you won't be able to process transactions in person. However, online banking, ATM withdrawals, and bill payments typically continue to work. Wire transfers and ACH transfers may be delayed until the next business day.
Some banks observe holidays on different dates than others. A bank may close on a holiday that falls on a weekend by closing on Friday or Monday instead. Your own bank's schedule is what matters for your accounts, so checking directly with them is more reliable than a general federal list.
Key Takeaways
- The Federal Reserve publishes an official holiday schedule each year that shows which days banks will be closed.
- Your specific bank may observe holidays on different dates than the federal standard, especially when a holiday falls on a weekend.
- Online banking and ATM access usually work on bank holidays, but in-person services and wire transfers are delayed until the next business day.
- Calling your bank's customer service or checking their website is the most direct way to confirm whether they are open today.
The 11 federal holidays banks observe
Banks close on New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (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), and Christmas Day (December 25).
When a holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, they close on Monday. This shift means your bank may be closed on a day that is not technically the holiday itself. Check your bank's specific schedule rather than the calendar date.
What still works when banks are closed
ATM withdrawals and deposits continue to work on bank holidays because ATMs operate independently of branch staff. Online banking — checking balances, viewing transactions, and paying bills through your bank's website or app — also remains available.
Transfers between your own accounts process normally on holidays. However, transfers to other banks (ACH transfers) and wire transfers typically do not process until the next business day. If you initiate a transfer on a holiday, it will sit in a queue and move on the following business day.
Checks you deposit on a holiday may take longer to clear. The deposit itself may post to your account, but the funds won't be available until after the holiday when the check can be physically processed.
Where to find your bank's specific holiday schedule
Visit your bank's website and look for a link labeled "hours," "locations," "holiday schedule," or "bank holidays." Most banks publish their full-year schedule in advance. If you use a credit union instead of a bank, check the credit union's website the same way — credit unions may observe different holidays or dates than banks.
You can also call your bank's main customer service number, which is usually on the back of your debit card or in your account statements. A representative can tell you immediately whether the branch is open today and when it will reopen.
Mobile banking apps often show branch hours and holiday closures under a "locations" or "find a branch" section. Some apps display a banner at login on holiday dates to remind you that branches are closed.
What to do if you need banking services on a holiday
If you need to deposit a check or withdraw cash and your bank is closed, use an ATM. Most ATMs are available 24/7, even on holidays. If your bank is part of a shared ATM network, you may be able to use another bank's ATM without a fee.
If you need to speak to someone, wait until the next business day. Most banks do not staff customer service phone lines on federal holidays, though some larger banks may have limited holiday support. Check your bank's website for holiday hours before calling.
For urgent wire transfers or time-sensitive transactions, contact your bank before the holiday to see whether they can process it early. Some banks will accommodate requests made in advance, though this is not may provide.
Frequently Asked Questions
Do all banks close on the same holidays?
All banks observe the same 11 federal holidays, but they may close on different calendar dates when a holiday falls on a weekend. Some banks also close on additional state or regional holidays. Check your specific bank's schedule to be certain.
Can I use my debit card on a bank holiday?
Yes. Debit card purchases at stores and online work normally on bank holidays. ATM withdrawals also work. Only in-person services at bank branches are unavailable.
Will my direct deposit arrive on a bank holiday?
Direct deposits scheduled for a bank holiday typically arrive on the next business day instead. If your regular payday falls on a holiday, your employer's payroll system usually sends the deposit the day before or the day after, depending on their setup.
What if I need to pay a bill and the bank is closed?
Pay through your bank's online bill pay system or your biller's website directly. Both work on holidays. If you mail a check, send it early enough that it arrives before the due date, accounting for mail delivery time.
Are credit unions closed on the same days as banks?
Credit unions observe most federal holidays, but some may have different schedules. Check your credit union's website or call their main number to confirm whether they are open today.