Most banks close on Juneteenth, but some branches stay open
Juneteenth (June 19) is a federal holiday, which means most banks observe it and close their physical branches. However, the closure rules are not uniform across all banks, and some branches in certain states may stay open. Your ability to do banking on Juneteenth depends on which bank you use, whether you need in-person service, and what state you're in.
If you need to deposit a check, withdraw cash, or speak to someone in person on Juneteenth, call your bank's local branch the day before to confirm whether it will be open. Many banks post holiday hours on their websites or mobile apps starting a week in advance.
Key Takeaways
- Most major banks close their branches on Juneteenth because it is a federal holiday, though ATMs and online banking remain available.
- Some regional and community banks stay open on Juneteenth, so you should contact your specific branch to confirm.
- You can still transfer money, pay bills, and check your balance online or through your bank's mobile app on Juneteenth, even if branches are closed.
- ATMs work on Juneteenth at most banks, allowing you to withdraw cash and deposit checks at machines even when branches are closed.
- If you need in-person service on Juneteenth, call ahead or check your bank's website for holiday hours, as some branches may open for limited hours.
Which major banks close on Juneteenth
The largest U.S. banks — including Bank of America, Chase, Wells Fargo, Citibank, and U.S. Bank — close all their branches on Juneteenth. These closures apply nationwide, though some branches in states that do not recognize Juneteenth as a paid holiday may have different policies. Check with your specific branch if you are unsure.
Credit unions also typically close on Juneteenth, though policies vary by institution. If you bank with a smaller credit union or community bank, contact them directly rather than assuming they follow the federal holiday schedule.
What you can still do on Juneteenth without a branch
Even though branches are closed, you retain access to most banking services. Online banking works normally on Juneteenth — you can transfer money between your own accounts, pay bills, and check your balance at any time. Mobile apps function the same way.
ATMs operate 24/7 at most banks on Juneteenth. You can withdraw cash, deposit checks using mobile deposit or an ATM envelope, and check your account balance. Debit cards work at any ATM, including those at other banks (though you may pay a fee).
If you need to send money to someone else, you can use your bank's online transfer system, a money transfer service like Venmo or PayPal, or a wire transfer initiated through your bank's website — though wire transfers initiated online may not process until the next business day.
When deposits made on Juneteenth will post to your account
Deposits made on Juneteenth may not post to your account until the next business day. If you deposit a check through an ATM or mobile deposit on Juneteenth, the bank will process it on Friday (June 20). The funds may be available immediately for debit card use, but the check itself will not clear until the following business day.
If you need funds to be available by a specific date, avoid depositing on Juneteenth. Deposit on Thursday (June 18) instead to ensure the check processes on Friday.
States and banks with different Juneteenth policies
A small number of states do not recognize Juneteenth as a paid holiday for state employees, though the federal government does. South Carolina and New Hampshire observe it on a different date or under a different name. However, most national banks still close their branches on June 19 regardless of state policy, because they follow federal holiday schedules.
Some banks may offer limited hours on Juneteenth — for example, opening from 10 a.m. to 2 p.m. instead of their normal schedule. This is less common but does happen at certain branches. Your bank's website or a phone call to your local branch is the only reliable way to know.
How to find your bank's Juneteenth hours
Check your bank's website first. Most banks publish holiday hours in the "Locations" or "Hours" section, or you can search for your specific branch by zip code and see its Juneteenth schedule listed there.
Call your branch directly. The phone number is on your debit card, your bank statements, or your bank's website. Ask whether the branch will be open on June 19 and what time it closes on June 18.
Check your mobile app. Many banks display holiday hours in the app's branch locator tool or in a banner at the top of the home screen during the week before the holiday.
What to do if you need banking services on Juneteenth
Plan ahead. If you know you will need cash or need to deposit a check, do it on Thursday, June 18, before the holiday. This prevents you from being caught without access to funds.
Use ATMs and online banking. Most of what you need to do can happen through these channels without a branch. Transfer money online, pay bills through your bank's website, and withdraw cash from an ATM.
If you absolutely must speak to someone, some banks offer phone support on holidays, though wait times are often longer. Check your bank's website for holiday customer service hours, or look for a 24-hour customer service number on the back of your debit card.
Frequently Asked Questions
Can I use my debit card on Juneteenth if the bank is closed?
Yes. Your debit card works at any ATM and at any store or business on Juneteenth, regardless of whether your bank's branch is open. The closure only affects in-person services at the branch itself.
Will checks I deposit on Juneteenth clear the same day?
No. Checks deposited on Juneteenth through an ATM or mobile deposit will not clear until the next business day, which is Friday, June 20. The funds may show as pending in your account immediately, but the check itself processes after the holiday.
Can I transfer money between my own accounts on Juneteenth?
Yes. Online transfers between your own accounts at the same bank work on Juneteenth through your bank's website or mobile app. Transfers to accounts at other banks may take one to two business days to complete.
What if I need to wire money on Juneteenth?
You can initiate a wire transfer through your bank's website or app on Juneteenth, but it will not process until Friday, June 20. If you need the money to arrive on a specific date, wire it on Thursday instead.
Are online banks like Chime or Ally open on Juneteenth?
Online banks do not have physical branches, so they are always "open" in the sense that you can access your account, transfer money, and pay bills through their apps and websites on Juneteenth. However, customer service phone lines may have reduced hours or longer wait times.