Most banks close on Juneteenth when it falls on a weekday
Juneteenth (June 19) is a federal holiday, which means most national banks and credit unions close for the day when it falls on a weekday. If Juneteenth lands on a Saturday or Sunday, banks observe the holiday on the nearest weekday — usually the Friday before or the Monday after.
The banks that close include major chains like Bank of America, Chase, Wells Fargo, Citibank, and most regional and community banks. Credit unions typically close as well. However, some banks operate limited hours or stay open on federal holidays, so calling your specific branch is the only way to be certain.
If you need to deposit a check or withdraw cash on a Juneteenth when your bank is closed, you can use an ATM at any time. ATMs operate 24/7 regardless of holiday status. For other transactions — transfers, loan applications, account changes — you will need to wait until the next business day.
Key Takeaways
- National banks and most credit unions close on Juneteenth when it falls on a weekday, though some branches may have different policies.
- ATMs work around the clock on Juneteenth, so you can withdraw cash or deposit checks even when the branch is closed.
- If Juneteenth falls on a Saturday or Sunday, banks observe the holiday on the nearest weekday instead.
- Calling your bank's customer service line or checking their website will confirm whether your specific branch is open.
- Online banking and mobile apps remain available on Juneteenth, though transactions may not process until the next business day.
How to check if your bank is open on Juneteenth
The fastest way is to call your bank's main customer service line or your local branch directly. Most banks have a holiday schedule posted on their website or in their mobile app. Search for "holiday hours" or "Juneteenth hours" on your bank's site.
If you bank with a large national chain, you can also check their branch locator tool — it usually shows whether a specific location is open and what the hours are. Some banks display a banner on their homepage during federal holidays listing which services are available.
For credit unions, contact your credit union's member services department or check their website. Smaller credit unions may have different holiday policies than national banks, so do not assume they follow the same schedule.
What you can and cannot do when your bank is closed
You can: Withdraw cash from an ATM, deposit checks into an ATM envelope (if your bank offers this), transfer money between your own accounts through online banking or your mobile app, and pay bills online. These functions do not require a staff member to process them.
You cannot: Speak to a banker about a loan, dispute a charge in person, open a new account, get a cashier's check, or resolve account problems that need human intervention. These transactions require the branch to be staffed and will have to wait until the next business day.
Transactions you initiate online on Juneteenth — like bill payments or transfers — may not actually process until the next business day, even though you submitted them while the bank was closed. Check your bank's website for their specific processing timeline.
When Juneteenth falls on a weekend
If Juneteenth lands on a Saturday, most banks observe the holiday on Friday, June 18. If it lands on a Sunday, they observe it on Monday, June 20. This means the branch will be closed on the observed day, not on the actual date of Juneteenth.
The observed day changes from year to year depending on what day of the week June 19 falls on. Check your bank's holiday calendar for the specific year you are planning around, since the observed date is not always obvious.
Online and mobile banking on Juneteenth
Your bank's website and mobile app remain open and available on Juneteenth, even when the physical branch is closed. You can log in, check your balance, transfer money between accounts, pay bills, and deposit checks by photo (if your bank offers mobile check deposit).
The catch is timing: transactions you submit on Juneteenth may not actually post to your account until the next business day or later, depending on what type of transaction it is. A transfer between your own accounts might post the same day, but a bill payment or check deposit could take one to three business days.
If you need money to clear by a specific date, do not wait until Juneteenth to submit the transaction. Process it the business day before instead.
ATM deposits and cash access on the holiday
ATMs work 24/7 on Juneteenth just like any other day. You can withdraw cash, check your balance, and deposit checks into an ATM envelope if your bank supports that feature. Cash withdrawals are instant, but check deposits may not show up in your account until the next business day.
If you need cash on Juneteenth and your bank is closed, use any ATM in your bank's network. If your bank is part of a shared ATM network (like Allpoint or MoneyPass), you can often use ATMs from other banks as well, though you may be charged a fee.
Keep in mind that if you deposit a check into an ATM on Juneteenth, the bank will not process it until the next business day. The check will not be available for withdrawal or transfer until it clears, which could take several days depending on the check amount and your bank's policy.
Planning ahead for time-sensitive transactions
If you need to complete a banking task that requires speaking to someone — opening an account, getting a cashier's check, disputing a charge, or discussing a loan — do it the business day before Juneteenth. Do not wait until the day before if Juneteenth is on a Monday, because the Friday before will be your last chance.
For bill payments and transfers, submit them at least one business day before the deadline you need to meet. A payment submitted on Juneteenth may not process until the day after, which could cause you to miss a due date.
If you are expecting a deposit (paycheck, tax refund, insurance payment) and Juneteenth falls on a Friday, the deposit may not post until Monday. Check with your employer or the organization sending the payment to confirm when they are sending it.
Frequently Asked Questions
Can I use my debit card on Juneteenth if my bank is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer on Juneteenth regardless of whether your bank branch is open. The transaction will process, though it may not show up in your account balance until the next business day if the bank's systems are not fully staffed.
Will my direct deposit arrive on Juneteenth?
Direct deposits are usually processed by the employer or payroll company, not by your bank, so they may arrive on Juneteenth. However, if Juneteenth is a federal holiday, your employer may have delayed the deposit to the next business day. Check with your employer's payroll department to confirm the deposit date.
What if I need to dispute a charge on Juneteenth?
You cannot speak to a banker in person on Juneteenth, but you can often start a dispute through your bank's website or mobile app. Document the charge and submit the dispute online. The bank will investigate it after the holiday ends, though the investigation timeline does not change because of the holiday.
Do online banks close on Juneteenth?
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so they do not "close" in the traditional sense. However, their customer service phone lines may have reduced hours or be closed on Juneteenth. Online services and ATM access remain available.
Can I get a cashier's check on Juneteenth?
No. Cashier's checks require a banker to issue them, so you cannot get one when the branch is closed. If you need a cashier's check by a specific date, request it the business day before Juneteenth.