Most Texas banks are open today unless it's a federal holiday or Sunday
Texas banks follow federal holiday schedules, not a separate state calendar. If today is a weekday and not a federal holiday, your bank is almost certainly open. The major banks operating in Texas — Chase, Bank of America, Wells Fargo, Comerica, and Frost Bank — all keep the same holiday closures across their branches.
The only days banks close statewide are federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. If today falls on one of those dates, branches will be closed. If today is Sunday, branches are closed. If it's a regular weekday, you can visit in person during standard hours, which are typically 9 a.m. to 5 p.m., though some branches open at 8 a.m. or close at 6 p.m.
Key Takeaways
- Texas banks close only on federal holidays and Sundays; they do not observe state-specific closures.
- Standard branch hours are 9 a.m. to 5 p.m. on weekdays, but some locations open earlier or stay open later.
- You can check your specific branch's hours by searching the bank's name plus "hours near me" or calling the branch directly.
- ATMs and mobile banking work 24/7 on federal holidays and Sundays, so you can withdraw cash or transfer money without visiting a branch.
How to find your branch's exact hours today
The fastest way is to search "[Bank Name] hours near me" on Google Maps. Type your bank's name and your city or zip code, and Google will show you the branch address, phone number, and today's hours. If the branch is open, it will say "Open now" in green. If it's closed, it will say "Closed" in red and show when it reopens.
You can also call your branch directly. The phone number appears on your debit card, in your bank's mobile app, or on the bank's website. A staff member can tell you today's hours and whether the branch is staffed or if it's a limited-service location.
If you need to do banking today and the branch is closed, use your bank's ATM or mobile app. ATMs dispense cash and accept deposits 24 hours a day, and the mobile app lets you transfer money, pay bills, and check your balance without leaving home.
Federal holidays when Texas banks close
Banks in Texas close on these dates every year: January 1 (New Year's Day), the third Monday in January (Martin Luther King Jr. Day), the third Monday in February (Presidents' Day), the last Monday in May (Memorial Day), June 19 (Juneteenth), July 4 (Independence Day), the first Monday in September (Labor Day), the second Monday in October (Columbus Day), November 11 (Veterans Day), the fourth Thursday in November (Thanksgiving), and December 25 (Christmas).
When a holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, most banks close on Monday. Check your bank's website or call ahead to confirm, because some banks observe the holiday on the actual date regardless of the day of the week.
What you can do when branches are closed
ATMs work around the clock, even on holidays and Sundays. You can withdraw cash, deposit checks (at ATMs with mobile deposit or envelope slots), transfer money between accounts, and check your balance. Some ATMs charge a fee if you use a machine outside your bank's network, so look for your bank's logo on the machine.
Mobile banking apps let you pay bills, send money to other people, deposit checks by photo, and manage your account from your phone. These services work 24/7 and do not depend on branch hours. If you need to speak to someone, most banks offer phone support during extended hours, and some offer chat or email support around the clock.
Why banks close on specific days
Banks close on federal holidays because the Federal Reserve, which clears checks and processes large transfers, is closed on those days. Without the Federal Reserve's systems running, banks cannot complete many transactions. State and local government offices are also closed, which affects services like notarization and certain loan approvals.
Banks close on Sundays by choice, not by law. Most customers do their banking on weekdays, so branches operate on a Monday-through-Saturday schedule to manage staffing costs. Some banks in Texas have begun opening on Sundays in high-traffic areas, so check your local branch.
Planning ahead for holiday weekends
If a federal holiday falls on a Monday, plan your banking for Friday. If you need cash or want to deposit a check, do it before the weekend. If you wait until Monday, you will find the branch closed and may have to use an ATM, which has limits on how much cash you can withdraw per day (usually $500 to $1,000, depending on your bank).
For large transactions — opening an account, applying for a loan, or resolving a dispute — contact your bank on the business day before the holiday. Staff can often start the process over the phone or through the app, and you can complete it in person when the branch reopens.
Frequently Asked Questions
Can I deposit a check on a Sunday or holiday?
Yes, if your bank's ATM has a deposit slot or mobile deposit feature. You can photograph a check with your phone and deposit it through the app, or insert it into an ATM envelope slot. The check will post to your account on the next business day.
Do credit unions in Texas follow the same holiday schedule as banks?
Most do, but not all. Credit unions are not required to close on federal holidays, though most choose to. Call your credit union to confirm its holiday hours, or check its website or app.
What if I need cash and the ATM is out of money?
Contact your bank's customer service line, which operates 24/7. They can direct you to another ATM nearby or tell you when the machine will be refilled. Some banks reimburse you if an ATM malfunctions and keeps your card.
Do online banks have different hours than brick-and-mortar banks?
Online banks do not have physical branches, so they do not close on any day. You can transfer money, pay bills, and manage your account on holidays and weekends. If you need to deposit a check, use mobile deposit or mail it to the bank's address.
Can I use my debit card at a store on a holiday when the bank is closed?
Yes. Your debit card works at stores and ATMs regardless of whether your bank's branch is open. The transaction will process, though it may not post to your account until the next business day.