Most banks close on federal holidays, but not all banks observe the same days

Whether your bank is closed tomorrow depends on which bank you use and whether tomorrow is a federal holiday. The major national banks—Chase, Bank of America, Wells Fargo, Citibank, and others—all close on the same nine federal holidays each year. But smaller banks, credit unions, and online-only banks may have different schedules. Some stay open on days the big banks close. Others close on additional days for state holidays or internal reasons.

The fastest way to know is to check your bank's website or call the branch directly. Most banks post their holiday hours online, and a quick search for "[Your Bank Name] hours tomorrow" will show you whether that specific location is open. If you need to do banking tomorrow and your bank is closed, you can still use ATMs, mobile apps, and online banking—those work around the clock.

Key Takeaways

  • The nine federal holidays when most major banks close are New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Credit unions and smaller regional banks sometimes stay open on federal holidays or close on different days, so you cannot assume all banks follow the same schedule.
  • Your bank's website or a phone call to your branch is the only reliable way to confirm whether you can visit in person tomorrow.
  • ATMs, mobile apps, and online banking work on federal holidays even when branch locations are closed.

The nine federal holidays when most banks close

Major U.S. banks close on these dates each year: 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), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

When one of these holidays falls on a weekend, most banks close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks typically close on Friday. If New Year's Day falls on a Sunday, they close on Monday. This means the actual closure date can shift year to year, which is why checking ahead matters.

Why credit unions and smaller banks may have different hours

Credit unions are not required to follow the same federal holiday schedule as banks. Some credit unions close on all nine federal holidays, but others close on fewer days or add state-specific holidays. For instance, a credit union in Texas might close on Texas Independence Day (March 2) even though national banks stay open. A credit union in a different state might skip one of the nine federal holidays.

Online-only banks and some regional banks also set their own schedules. An online bank may not close at all on federal holidays since there is no physical branch to close. A smaller regional bank might close on local holidays that national banks ignore. The only way to know your specific institution's schedule is to check directly with them.

How to learn about your bank is open tomorrow

Start with your bank's website. Most banks have a "Locations" or "Hours" page where you can search by branch and see tomorrow's hours listed. If your branch shows no hours listed for tomorrow, it is closed. You can also call the branch directly—the phone number is usually on the website—and ask whether they are open tomorrow.

If you use a credit union, check its website the same way. If you use an online bank, search for "[Bank Name] holiday hours" to see whether they process transactions on the day in question. Many online banks do not close at all, but some delay processing on certain holidays.

What you can do if your bank is closed tomorrow

Branch closures do not stop you from banking. ATMs work 24 hours, even on holidays, so you can withdraw cash or deposit checks at any ATM your bank operates or partners with. Mobile banking apps let you transfer money between accounts, pay bills, and check balances at any time. Online banking through your bank's website works the same way.

If you need to speak to someone at your bank, most banks offer phone support on holidays, though wait times may be longer. Some banks also offer chat support through their website or app. If your need is urgent and your bank is closed, you can also visit a different branch of the same bank if one is open nearby, or use another bank's ATM if your bank is part of a shared network.

State holidays that may close some banks

In addition to the nine federal holidays, some states observe their own holidays, and banks in those states may close. For example, some banks in Hawaii close on King Kamehameha Day (June 11). Banks in South Carolina may close on Confederate Memorial Day. Banks in Nevada may close on Nevada Day (October 31). These closures vary by state and sometimes by individual bank within a state.

If you live in a state with additional holidays and you are unsure whether your bank observes them, check your bank's holiday schedule on their website or call ahead. Most banks publish their full-year holiday schedule online so you can plan around closures.

Frequently Asked Questions

Can I use my debit card at a closed bank's ATM?

Yes. ATMs work 24 hours on holidays. If your bank operates the ATM, you can use your debit card to withdraw cash or deposit checks. If the ATM belongs to a different bank, you may be charged a fee, but the transaction will still go through.

Will my check deposit process if I deposit it at an ATM on a holiday?

The deposit will be recorded in your account, but processing may be delayed. Most banks do not process ATM deposits until the next business day, so a check deposited on a holiday will typically post the day after the bank reopens. Check your bank's deposit policy to confirm.

Can I transfer money between accounts if my bank is closed?

Yes, through your mobile app or online banking. Transfers between your own accounts at the same bank usually post immediately, even on holidays. Transfers to other banks may be delayed until the next business day.

Do online banks close on federal holidays?

Most online banks do not close on federal holidays since they have no physical branches. However, some may delay processing on certain holidays. Check your specific bank's holiday schedule on their website.

What if I need cash and my bank is closed tomorrow?

Use an ATM. Your bank's ATMs work 24 hours, even on holidays. If you do not have access to your bank's ATM network, you can use another bank's ATM, though you may pay a fee.