Yes, most banks are closed on Good Friday 2026

Good Friday falls on April 10, 2026. Most major U.S. banks—including Bank of America, Chase, Wells Fargo, Citibank, and regional banks—close their branches on this federal holiday. The Federal Reserve also closes, which means wire transfers and ACH payments do not process that day.

However, "closed" does not mean you lose access to your money entirely. ATMs stay open, online banking works normally, and mobile apps function as usual. You can withdraw cash, check balances, and set up transfers through digital channels. The closure only affects in-person branch services and the processing of certain transactions that require the banking system to be active.

If you need to deposit a check or speak to a banker in person, you will need to wait until Saturday, April 11, or Monday, April 13 (depending on whether your bank opens on Saturday). Some banks do open on Saturday mornings, though hours are typically shorter than weekday hours.

Key Takeaways

  • Bank branches close on Good Friday, April 10, 2026, but ATMs and online banking remain available.
  • Wire transfers, ACH payments, and other transactions requiring active banking infrastructure will not process until the next business day.
  • Check your specific bank's holiday schedule, because some regional banks and credit unions may have different closure policies.
  • If you need in-person services, plan to visit on Saturday morning (if your branch is open) or wait until Monday.

Which banks close and which stay open

The major national banks—Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC, and TD Bank—all close their branches on Good Friday. Credit unions typically close as well, though a small number remain open. Your best move is to check your bank's website or call the branch directly, because holiday hours vary by location and institution.

Some online-only banks (like Ally, Charles Schwab, or Marcus) do not have physical branches, so the closure does not affect you in the same way. However, they may still experience delays in processing certain backend transactions because the Federal Reserve is closed.

If you bank with a smaller regional or community bank, call ahead. A few institutions treat Good Friday as a regular business day, though this is uncommon.

What you can and cannot do on Good Friday

You can: Withdraw cash from ATMs, transfer money between your own accounts through the app or online banking, check your balance, pay bills online, and deposit checks using mobile check deposit (if your bank offers it). Debit card purchases work normally. You can also set up future-dated transactions that will process once the bank reopens.

You cannot: Visit a branch to speak with a banker, deposit cash in person, get a cashier's check, open a new account, or resolve disputes that require staff intervention. Wire transfers initiated on Good Friday will not leave your account until the next business day. ACH transfers (like payroll direct deposit or bill payments to other banks) will not process until the next business day either.

If you are waiting for a refund—tax, insurance, or otherwise—and it was scheduled to arrive on Good Friday, it will likely arrive on Monday instead, depending on how the refund was sent. Check with the issuing organization to confirm their processing schedule around the holiday.

How to plan ahead for Good Friday 2026

If you know you will need cash or in-person banking services around April 10, withdraw money and handle branch visits on Thursday, April 9. This is especially important if you need a cashier's check, need to deposit cash, or have questions that require talking to a banker.

If you are expecting a refund or payment to arrive around that date, contact the issuer (IRS, insurance company, employer, or business) to ask whether they process payments on Good Friday. Many government agencies and large employers do not, so your money may arrive on Monday instead. Knowing this in advance prevents confusion.

Set up bill payments and transfers a day early if they are due around the holiday. Most banks let you schedule these in advance, and they will process automatically once the bank reopens.

Good Friday closures and refund timing

If you are tracking a tax refund, insurance refund, or other payment, the Good Friday closure can add a day to your timeline. The IRS, for example, does not process refunds on federal holidays. If your refund was scheduled to arrive on April 10, it will arrive on April 13 (Monday) instead.

The same applies to insurance refunds, business refunds, and stimulus payments. The delivery method matters: direct deposit refunds are delayed by one day, while paper checks are delayed by the mail schedule (which also does not run on Good Friday). If you are tracking a refund status online, the system will show the revised date once the holiday passes.

If you submitted a refund request close to Good Friday and are unsure whether it will process before the holiday, contact the issuing organization directly. They can tell you the exact processing date and whether the holiday affects your timeline.

How to find your bank's specific Good Friday hours

The fastest way to confirm your bank's closure is to visit their website and search for "holiday hours" or "Good Friday hours." Most banks post this information in November or December for the following year. You can also call your local branch directly or use the bank's mobile app, which often displays holiday hours for your specific location.

If you bank with a credit union, check their website or call their main line. Credit union closures vary more widely than bank closures, so do not assume your credit union is closed just because major banks are.

For online-only banks, check their FAQ or help section. Many state clearly whether they process transactions on federal holidays or if there will be delays.

What to do if you need banking services on Good Friday

If you absolutely need to access banking services on April 10, your options are limited but real. ATMs work 24/7, so you can withdraw cash or check your balance anytime. Online banking and mobile apps function normally, so you can transfer money between accounts, pay bills, or set up transactions.

If you need to deposit a check, use mobile check deposit through your bank's app if you have not already. Most banks process these within one business day, so a check deposited on Good Friday will post by Monday.

If you need to speak with a banker, you will have to wait until Saturday (if your branch is open) or Monday. Some banks offer phone support on holidays, though this is rare. Check your bank's website to see if they list a holiday customer service number.

Frequently Asked Questions

Will my direct deposit arrive on Good Friday 2026?

Probably not. Most employers and government agencies do not process payroll on federal holidays. If your paycheck or benefit payment was scheduled for April 10, it will likely arrive on April 13 (Monday) instead. Contact your employer or the benefits office to confirm their holiday schedule.

Can I use my debit card on Good Friday?

Yes. Debit card purchases work normally on Good Friday because they do not require the bank branch to be open. ATM withdrawals also work. Only in-person branch services and certain backend transactions (like wire transfers) are affected by the closure.

What if I need to deposit cash on Good Friday?

You cannot deposit cash in person because branches are closed. If your bank has a 24-hour ATM with a deposit slot, you may be able to use that, though not all banks offer this feature. Check your bank's website or call to see if your branch has one. Otherwise, wait until Saturday or Monday.

Will my tax refund arrive on Good Friday?

The IRS does not process refunds on federal holidays, so if your refund was scheduled for April 10, it will arrive on April 13 (Monday) instead. You can check the status of your refund on the IRS website using the "Where's My Refund?" tool, which updates daily and will show the revised date.

Do online banks close on Good Friday?

Online-only banks do not have physical branches, so there is no branch closure. However, they may experience delays in processing certain transactions (like wire transfers or ACH payments) because the Federal Reserve is closed. Check your bank's website for their specific holiday policy.