Most banks are closed on Juneteenth, but some branches and services stay open

Juneteenth (June 19) is a federal holiday, which means most banks observe it as a day off. The major national banks — Bank of America, Wells Fargo, Chase, Citibank, and others — close their physical branches on Juneteenth. However, ATMs and online banking stay available, and some credit unions or smaller regional banks may have different schedules.

If you need to deposit a check, withdraw cash, or speak to someone in person, you will not be able to do that at a closed branch. But you can still transfer money online, pay bills, check your balance, and use ATMs. If Juneteenth falls on a weekend, banks typically observe the holiday on the nearest weekday instead — usually the Friday before or the Monday after.

The key is to plan ahead. If you have banking needs that require a teller or a phone call to customer service, handle them the day before Juneteenth or wait until the day after.

Key Takeaways

  • Major national banks close their branches on Juneteenth, but ATMs and online banking remain available all day.
  • If Juneteenth falls on a weekend, most banks observe the holiday on the nearest weekday instead.
  • Credit unions and smaller regional banks may have different holiday schedules, so check your bank's website or call ahead.
  • Deposits made at ATMs or through mobile banking on Juneteenth may not post until the next business day.
  • Customer service phone lines are typically closed on Juneteenth, so plan calls for the day before or after.

Which banks close on Juneteenth

All major national banks close on Juneteenth. This includes Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC Bank, and TD Bank. If you bank with one of these institutions, your local branch will be closed and you will not be able to speak to a teller or visit in person.

Credit unions vary. Some credit unions observe all federal holidays and will be closed on Juneteenth, while others remain open. Call your credit union directly or check their website to confirm their Juneteenth schedule. Smaller regional or community banks may also have different policies.

Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no "closed" location to worry about. However, their customer service phone lines may have reduced hours or be closed entirely on Juneteenth.

What you can and cannot do on Juneteenth

You can use ATMs to withdraw cash and deposit checks. You can transfer money between your own accounts online or through your bank's mobile app. You can pay bills, check your balance, and view your transaction history. You can also deposit checks using mobile check deposit if your bank offers it.

You cannot visit a branch to speak to a teller, open a new account, apply for a loan, or resolve account issues that require a person. You cannot call customer service if the bank's phone lines are closed. Checks deposited at ATMs or through mobile banking on Juneteenth will typically not post until the next business day, so plan accordingly if you need the money quickly.

Wire transfers and ACH transfers initiated online may still process on Juneteenth, but they will not clear until the next business day. If you need to send money urgently, do it before Juneteenth closes.

When Juneteenth falls on a weekend

If Juneteenth lands on a Saturday or Sunday, banks do not observe it on that day. Instead, they observe the holiday on the nearest weekday. When Juneteenth falls on a Saturday, most banks close on Friday, June 18. When it falls on a Sunday, most banks close on Monday, June 20.

However, not all banks follow the same rule. Some may observe the holiday on the actual date even if it is a weekend, while others may shift it to a different day. Check your bank's holiday schedule on their website or call ahead to be certain.

How to plan ahead for Juneteenth

If you know you will need to visit your bank around Juneteenth, handle your banking the day before. Deposit checks, withdraw cash, or resolve any account issues on June 18 or earlier. This way you will not be caught without access to the services you need.

If you are expecting a check or payment to arrive around Juneteenth, remember that deposits made on or after Juneteenth will not post until the next business day. If you need the money by a specific date, plan for an extra day of delay.

For recurring payments or bills due around Juneteenth, set them up online in advance. Do not wait until Juneteenth to handle time-sensitive transactions.

Frequently Asked Questions

Can I use my debit card on Juneteenth if the bank is closed?

Yes. Your debit card works at any merchant or ATM on Juneteenth, even though the bank branch is closed. You can make purchases, withdraw cash from ATMs, and check your balance through your mobile app or online banking.

Will my check deposit post on Juneteenth if I use the ATM?

No. Checks deposited at ATMs on Juneteenth will not post until the next business day, June 20. If you need the money to clear by Juneteenth, deposit it the day before.

Are wire transfers available on Juneteenth?

You can initiate a wire transfer online on Juneteenth, but it will not process until the next business day. If you need money to move urgently, send it before Juneteenth closes.

What if my bank is open on Juneteenth?

Some credit unions and regional banks stay open on Juneteenth. Call your bank directly or check their website to confirm their holiday schedule. Do not assume your bank is closed just because it is a federal holiday.

Can I call customer service on Juneteenth?

Most major banks close their customer service phone lines on Juneteenth. If you need to speak to someone, call the day before or the day after. For urgent issues, check your bank's website for a 24-hour support option or visit an ATM.