The fastest way to know if tomorrow is a bank holiday

The U.S. observes 11 federal bank holidays each year, but the day changes depending on what today is. The easiest way to check is to look at the Federal Reserve's official holiday calendar at federalreserve.gov — search for "holiday schedule" and you'll see the exact dates for the current year. You can also call your own bank's customer service line; they will tell you whether they're open tomorrow and which holidays they observe.

If tomorrow falls on a Saturday or Sunday, most banks close anyway, so the holiday calendar matters less. The real impact happens when a federal holiday lands on a weekday — that's when banks shut down and you can't do in-person transactions.

Keep in mind that not every bank observes all 11 federal holidays. Some banks add extra days, and a few smaller institutions may skip one or two. Your bank's website usually lists its holiday schedule under "Hours" or "Contact Us," or you can ask a teller the next time you visit.

Key Takeaways

  • The Federal Reserve publishes the official federal bank holiday schedule at federalreserve.gov, updated each year.
  • Banks close on weekday federal holidays but stay open on Saturdays and Sundays regardless of the calendar.
  • Not all banks observe all 11 federal holidays — some add local holidays or skip certain ones, so check your specific bank's schedule.
  • Your bank's customer service line or website can confirm whether they're open tomorrow in under a minute.

The 11 federal bank holidays and when they fall

Federal banks close on New Year's Day (January 1), Birthday of Martin Luther King Jr. (third Monday in January), Washington's Birthday (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 lands on a Saturday, most banks close on Friday instead. When it lands on a Sunday, they close on Monday. This shift means you need to check the actual date, not just remember the holiday name — for example, if Christmas falls on a Sunday, your bank will be closed on Monday, December 26.

Some banks also observe additional holidays beyond the federal 11. Regional banks in certain states may close for state-specific holidays, and a few institutions close for days like the day after Thanksgiving. Your bank's website will list these extras if they apply to you.

Why bank holidays matter for refunds and payments

If you're waiting for a tax refund, insurance refund, or government payment, a bank holiday can delay when the money hits your account. The federal government and most businesses process refunds and payments on business days only — holidays don't count. If your refund was scheduled to arrive tomorrow and tomorrow is a bank holiday, the deposit will likely come the next business day instead.

Direct deposits sent on a holiday may still process behind the scenes, but your bank won't post the funds to your account until the next day it's open. This is especially important if you're counting on money arriving by a specific date — always add an extra day or two to your timeline around holidays.

If you're tracking a refund status online and it shows "approved" or "sent," a holiday delay doesn't mean something went wrong. It just means the money is in transit and will appear once the bank reopens.

How to find your bank's specific holiday schedule

Start with your bank's website. Most banks have a "Hours & Locations" page or a dedicated "Holiday Schedule" link in the footer. If you can't find it there, call the customer service number on the back of your debit card — they can tell you in 30 seconds whether they're open tomorrow.

If you bank with a large national chain like Bank of America, Chase, Wells Fargo, or Citibank, you can also search "[Bank Name] holiday schedule 2024" or 2025 to find their official page. Credit unions often post their schedules on their main website under "About Us" or "Contact."

For online-only banks like Ally, Chime, or Marcus, check their help center or FAQ section. Most online banks don't have physical branches, so they don't close for holidays in the traditional sense — but they may still delay processing on federal holidays.

What to do if you need money tomorrow and it's a bank holiday

If tomorrow is a bank holiday and you need cash, use an ATM today. ATMs work on holidays and weekends, so you can withdraw money anytime. If you need to make a deposit, most banks let you use their ATM envelope system on holidays, though the deposit won't post to your account until the next business day.

If you're waiting for a refund or payment to arrive and tomorrow is a holiday, there's nothing you can do to speed it up. The money will arrive when the bank reopens. If the refund was supposed to come today and hasn't, check the status online or call the issuer (the IRS, your insurance company, or whoever sent it) to confirm it was actually sent.

For urgent transactions like wire transfers or bill payments, many banks let you set these up online even on holidays — they'll process the next business day. Check your bank's website or app to see what you can do without visiting a branch.

Frequently Asked Questions

Do online banks close on federal holidays?

Online banks don't have physical branches, so they don't "close" the way brick-and-mortar banks do. However, they may not process deposits, transfers, or withdrawals on federal holidays. Check your bank's website to see their holiday processing schedule — most will post it clearly.

If a holiday is on Sunday, is the bank closed Monday?

Yes. When a federal holiday falls on a Sunday, most banks close on Monday instead. The same rule applies in reverse: if a holiday is on Saturday, banks close on Friday. Your bank's website will show the actual closure dates.

Will my direct deposit arrive if the bank is closed tomorrow?

Direct deposits sent on a holiday may process in the background, but your bank won't post the funds until it reopens. If your refund or payment was scheduled for tomorrow and tomorrow is a holiday, expect the money one business day later.

Can I use my debit card on a bank holiday?

Yes. ATMs work 24/7, and you can use your debit card at stores, restaurants, and online merchants on holidays. You just can't visit a physical bank branch or speak to a teller.

Where do I find the official federal holiday schedule?

The Federal Reserve publishes the official schedule at federalreserve.gov. You can also check usa.gov or your own bank's website. The dates are the same every year, though the day of the week changes.