The fastest way to know if banks are closed tomorrow
The Federal Reserve publishes a calendar each year listing every day U.S. banks close for federal holidays. You can check it right now by visiting the Federal Reserve's official website and looking for their holiday schedule — it shows which days banks will not process transactions. If tomorrow appears on that list, your bank will be closed and you will not be able to deposit checks, withdraw cash at a teller window, or conduct most in-person business.
Your own bank may also close on state holidays that are not federal holidays. Many banks in New York close on Thanksgiving Eve, for example, even though it is not a federal holiday. The safest approach is to call your bank's main number or check their website directly — they post their holiday schedule prominently, usually under "Hours" or "Holiday Schedule".
If you need to know right now, text your bank's customer service number or log into your mobile app. Most apps show branch hours for tomorrow at the top of the screen. If tomorrow is listed as closed, that is your answer.
Key Takeaways
- Federal holidays when all U.S. banks close are listed on the Federal Reserve website and do not change year to year.
- Your specific bank may also close on state holidays, so checking your bank's own website or calling them is the most reliable method.
- Mobile banking apps usually display branch hours for the next day, making it easy to see if your bank will be open tomorrow.
- Even if your bank is closed, ATMs and online transfers usually work on holidays, so you can still move money without visiting a branch.
The eleven federal holidays when banks close
Banks close on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. These dates are the same across all fifty states and all banks must close on these days.
The dates of some of these holidays shift each year because they fall on a Monday or Friday rather than their actual calendar date. For example, if Independence Day falls on a Saturday, banks close on Friday instead. If it falls on a Sunday, they close on Monday. The Federal Reserve announces the exact dates each January for the full year ahead.
If tomorrow is one of these eleven holidays, your bank will definitely be closed. You can verify the exact date by checking the Federal Reserve's holiday calendar or your bank's website.
State holidays that may close your bank but not others
Some states observe additional holidays beyond the federal eleven, and banks in those states often close on those days too. For example, banks in Massachusetts close on Evacuation Day (March 17), and banks in South Carolina close on Confederate Memorial Day. These closures vary widely by state and even by individual bank within a state.
A bank in one state might be open tomorrow while a bank in another state is closed, even if both are part of the same national chain. This is why calling your specific bank or checking their website is essential — the Federal Reserve calendar alone will not tell you whether your bank is closed for a state holiday.
What you can still do if your bank is closed tomorrow
Even if your bank's physical branches are closed, you can still move money and conduct most banking tasks online. ATMs work on holidays, so you can withdraw cash or deposit checks at any ATM your bank operates. Online transfers between your own accounts process normally. Bill payments scheduled through your bank's website or app will go through as planned.
If you need to speak to a person, most large banks staff their phone lines on holidays, though wait times are often longer. Check your bank's website for holiday hours — some banks operate reduced phone support on certain holidays but not others.
The one thing you cannot do is visit a branch in person. Teller services, safe deposit box access, and face-to-face meetings with loan officers will not be available if your bank is closed.
How to check your bank's specific holiday schedule
Visit your bank's website and search for "holiday hours" or "holiday schedule". Most banks post this information prominently during November and December, and update it each January for the year ahead. The schedule will list every day the bank is closed, including both federal and state holidays.
If you cannot find it online, call your bank's main customer service line. They can tell you immediately whether they are open tomorrow and what services are available if they are closed. You can also ask whether any branches in your area have different hours — some large banks keep certain branches open on holidays while others close.
Save your bank's holiday schedule once you find it. Many banks email it to customers in December, so check your email if you have banked with them for more than a year.
What happens to deposits and transactions on bank holidays
If you deposit a check at an ATM on a holiday, it will be processed the next business day. The same is true for mobile check deposits through your bank's app. Your bank will not credit the funds to your account until the day after the holiday, so plan accordingly if you need the money urgently.
Transfers you initiate online on a holiday will also process the next business day. Wire transfers and ACH transfers both follow this rule. If you need money to move today and tomorrow is a holiday, you will have to wait until the day after tomorrow.
Payments you have already scheduled will go out on their scheduled date, even if that date is a holiday. If you scheduled a bill payment for tomorrow and tomorrow is a holiday, the payment will still leave your account on time.
Frequently Asked Questions
Can I withdraw money from an ATM if my bank is closed tomorrow?
Yes. ATMs operate on holidays and you can withdraw cash, deposit checks, and transfer money between your own accounts. The only limitation is that check deposits will not be credited until the next business day.
Will my direct deposit hit my account if tomorrow is a holiday?
Direct deposits scheduled for a holiday usually post the next business day instead. If your paycheck is scheduled to arrive tomorrow and tomorrow is a holiday, expect it on the following day. Check with your employer or your bank if you are unsure.
Do all banks close on the same federal holidays?
Yes, all U.S. banks must close on the eleven federal holidays. However, banks may also close on state holidays that vary by location, so your bank might be closed when banks in other states are open.
What if I need to speak to someone at my bank tomorrow?
Many banks staff their phone lines on holidays, though wait times are longer. Check your bank's website for holiday hours, or call their main number to see if customer service is available tomorrow.
How do I know if my bank observes a state holiday I have never heard of?
Call your bank directly or check their website for their full holiday schedule. They list both federal and state holidays they observe. You can also ask whether any branches near you have different hours.