Yes, most banks are closed on Juneteenth 2025

Juneteenth falls on Monday, June 19, 2025, and most banks will be closed that day. The federal government recognizes Juneteenth as a national holiday, and banks follow the federal holiday schedule. This means you won't be able to visit a branch, use a teller, or conduct in-person banking business.

However, you can still use ATMs, mobile banking apps, and online banking services on Juneteenth. Deposits made through ATMs or mobile apps will process, though they may not clear until the next business day. If you need cash or have urgent banking needs, plan ahead by withdrawing money on Friday, June 18.

Key Takeaways

  • All major banks close on Juneteenth (Monday, June 19, 2025) because it is a federal holiday.
  • ATMs, mobile apps, and online banking remain available on the holiday, though deposits may not clear until Tuesday.
  • Wire transfers and ACH payments initiated on Juneteenth will process on the next business day.
  • Credit unions may have different holiday schedules, so contact yours directly if you are unsure.
  • Plan withdrawals and time-sensitive transactions for Friday, June 18 if you need them completed by Monday.

Which banks observe Juneteenth as a holiday

All major national banks close on Juneteenth, including Bank of America, Chase, Wells Fargo, Citibank, and US Bank. Regional and community banks almost always close as well. Since Juneteenth is a federal holiday, banks are required to close their doors and give employees the day off.

The only exception is if a bank operates in a state or territory that does not recognize Juneteenth as a paid holiday, which is extremely rare. Even then, most banks choose to close anyway to align with the federal schedule. If you bank at a smaller institution and are unsure, call the branch directly on Friday or check their website for holiday hours.

What banking services still work on Juneteenth

ATMs operate 24/7 on Juneteenth, so you can withdraw cash, check your balance, and deposit checks at any time. Mobile banking apps work normally—you can transfer money between your own accounts, pay bills, and send money to other people through services like Zelle or your bank's app.

Online banking portals are also available. You can log in, view transactions, and set up payments. However, payments you schedule on Juneteenth may not process until Tuesday, June 20. Wire transfers and ACH payments initiated on the holiday will queue up and process on the next business day. If you need a wire to arrive on Monday, you must send it on Friday.

When deposits clear if you use an ATM or mobile app

Checks deposited through an ATM or mobile app on Juneteenth will not clear until Tuesday, June 20 at the earliest. The bank does not process deposits on federal holidays, so your deposit sits in a queue overnight and enters the system the next business day.

Cash deposits through ATMs work the same way—the cash is received, but the deposit does not post to your account until the next business day. If you need funds to be available on Monday, deposit them on Friday instead. This timing matters if you are counting on a deposit to cover a payment or bill due on Monday.

Planning ahead for time-sensitive transactions

If you need to withdraw cash, deposit a check, or conduct any in-person banking on Monday, June 19, do it on Friday, June 18 instead. Visit your branch before it closes on Friday afternoon to handle anything that requires a teller or in-person verification.

For bill payments and transfers, schedule them for Friday if they need to process by Monday. If you wait until Juneteenth to initiate a payment, it will not leave your account until Tuesday. This can affect your cash flow if you are timing payments to match paychecks or other deposits. Set reminders on Thursday or Friday to handle anything time-sensitive.

Credit unions and Juneteenth hours

Most credit unions also close on Juneteenth, but not all. Some smaller credit unions may stay open or have limited hours. Contact your credit union directly to confirm their Juneteenth schedule, especially if you bank at a local or community credit union rather than a large national one.

Credit union ATMs and online banking typically work the same way as bank ATMs and apps on federal holidays. Deposits made through ATMs will process on the next business day. If you are unsure about your credit union's specific policies, call them on Friday to ask about Monday's hours and how deposits will be handled.

What to do if you need banking services on Juneteenth

Use your ATM to withdraw cash or deposit checks before the holiday. Mobile and online banking are your best options for any transactions that do not require a teller. If you need to speak to someone at the bank, call on Friday or wait until Tuesday, June 20 when branches reopen.

If you have an urgent issue—such as a fraudulent charge or a blocked account—most banks have customer service phone lines that operate on holidays. Look for the customer service number on the back of your debit or credit card. However, response times may be slower on federal holidays, so try to resolve issues on Friday if possible.

Frequently Asked Questions

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

Yes. Your debit card works at any merchant, ATM, or online retailer on Juneteenth. The bank being closed does not affect your ability to spend money or withdraw cash from ATMs. Transactions will post to your account normally.

Will my paycheck deposit on time if my bank is closed on Juneteenth?

If your employer deposits your paycheck on Monday, June 19, it will post to your account on Tuesday, June 20 instead. Direct deposits are processed automatically, but the bank does not post them until the next business day after a holiday. If you need the money on Monday, ask your employer to deposit it on Friday instead.

What if I need to wire money on Juneteenth?

You can initiate a wire through online banking or mobile app on Juneteenth, but it will not process until Tuesday, June 20. If the wire needs to arrive on Monday, send it on Friday. Call your bank on Friday to confirm the cutoff time for same-day wire processing.

Do stock markets close on Juneteenth?

Yes, the stock market closes on Juneteenth. The New York Stock Exchange and NASDAQ do not trade on federal holidays. If you need to buy or sell stocks, do it on Friday, June 18.

Can I still pay bills online on Juneteenth?

Yes, you can schedule bill payments through your bank's online portal or mobile app on Juneteenth. However, the payment will not process until Tuesday, June 20. Schedule payments on Friday if they need to go out on Monday.