Check the Federal Reserve's official holiday calendar

The fastest way to know if tomorrow is a bank holiday is to look at the Federal Reserve's official holiday schedule. The Federal Reserve publishes a calendar each year listing every day U.S. banks close for federal holidays. You can find it on the Federal Reserve's website under "Holiday Schedules" — it shows which holidays affect banking services and when banks will be closed.

Federal holidays that close banks are: 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).

If tomorrow's date matches one of these holidays, your bank will be closed. Some banks also close on the day after Thanksgiving, though this is not a federal holiday — check your specific bank's schedule to be sure.

Key Takeaways

  • The Federal Reserve publishes an official holiday calendar showing exactly which days banks close each year.
  • Federal holidays that close banks include New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
  • Some banks close on the day after Thanksgiving even though it is not a federal holiday, so check your bank's specific schedule.
  • If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead — usually the Friday before or Monday after.

What happens if tomorrow is a bank holiday

If tomorrow is a bank holiday, your bank's physical branches will be closed and you will not be able to visit a teller or use the drive-through. However, you can still use ATMs, online banking, and mobile apps to check your balance, transfer money, or pay bills. Deposits made at an ATM or through mobile deposit will be processed the next business day.

If you need to make a time-sensitive transaction — like stopping a check or disputing a charge — you may have to wait until the bank reopens. Some banks offer phone support on holidays, though this varies by institution. Check your bank's website or call their customer service number to see what services remain available.

How to check your specific bank's holiday schedule

Even though all U.S. banks close on the same federal holidays, some banks add extra closures or have different hours. The most reliable way to confirm is to visit your bank's website and look for "Holiday Hours" or "Holiday Schedule." Most banks post this information prominently during the weeks before major holidays.

You can also call your bank's main customer service line and ask directly whether they will be open tomorrow. If you use an online-only bank, check their website for holiday policies — many online banks remain open on federal holidays since they have no physical branches.

When a holiday falls on a weekend

If a federal holiday falls on a Saturday or Sunday, the banking system observes the holiday on the nearest weekday. When a holiday lands on Saturday, banks typically close on Friday instead. When a holiday lands on Sunday, banks typically close on Monday instead.

For example, if Independence Day (July 4) falls on a Saturday, banks close on Friday, July 3. If Christmas (December 25) falls on a Sunday, banks close on Monday, December 26. The Federal Reserve's calendar shows the observed date, not the actual calendar date, so always check the official schedule rather than counting days yourself.

State and local holidays that may affect banking

Some states observe additional holidays that are not federal holidays. These state holidays do not automatically close all banks nationwide, but they may close banks in that state. For example, some Southern states observe Confederate Memorial Day, and some states have their own unique holidays.

If you live in a state with additional holidays, check your state's official holiday calendar and then confirm with your specific bank whether they observe those days. A bank in a state that recognizes a state holiday may close on that day even though it is not a federal holiday.

Frequently Asked Questions

Can I withdraw money from an ATM if my bank is closed tomorrow?

Yes. ATMs work on bank holidays and you can withdraw cash, check your balance, and deposit checks through mobile deposit. However, any deposits made at an ATM on a holiday will not be processed until the next business day.

Will my online bill payments go through if tomorrow is a bank holiday?

Payments scheduled through online banking will process on the next business day if you submit them on a holiday. If the payment has a specific due date, schedule it for the business day before the holiday to avoid late fees.

What if I need to reach my bank and tomorrow is a holiday?

Call your bank's customer service number — many banks offer phone support on federal holidays even when branches are closed. Check your bank's website before the holiday to see which services remain available and what the phone hours are.

Do credit unions close on the same holidays as banks?

Most credit unions close on federal holidays, but some may have different schedules. Check your credit union's website or call their main number to confirm their holiday hours.