Most U.S. banks are closed today if it's a federal holiday or weekend

Banks in the United States follow a standard schedule: open Monday through Friday, closed Saturday and Sunday, and closed on federal holidays. If today is Saturday, Sunday, or a federal holiday recognized by the Federal Reserve, your bank branch is closed. The specific holidays that shut down banks nationwide are 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.

Some banks open limited hours on certain holidays or weekends, but this is rare and depends entirely on your bank and location. A few large banks operate Sunday hours in select branches, and some credit unions have different schedules. The only way to know whether your specific branch is open is to check your bank's website, call the branch directly, or look at your bank's app—which usually shows today's hours on the home screen.

If you need to deposit a check or withdraw cash today and your branch is closed, most banks let you use the ATM. ATMs work 24/7, though some have daily withdrawal limits. For transfers, bill payments, or other transactions, you can use online banking or your bank's mobile app from anywhere, any time.

Key Takeaways

  • Banks close on weekends and the 11 federal holidays recognized by the Federal Reserve, regardless of what your state observes.
  • Your bank's website, app, or a phone call to your branch will show whether it is open today and what hours it keeps.
  • ATMs work around the clock even when branches are closed, so you can withdraw cash or deposit checks at any hour.
  • Online banking and mobile apps let you transfer money, pay bills, and move funds without visiting a branch.
  • A small number of banks and credit unions operate on different schedules, so do not assume all branches follow the standard Monday-to-Friday rule.

Federal holidays when all U.S. banks close

The Federal Reserve recognizes 11 holidays each year when banks nationwide shut their doors. These are: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

When a federal holiday falls on a weekend, the Federal Reserve observes it on the nearest weekday. For example, if Independence Day lands on a Saturday, banks close on Friday instead. If it lands on a Sunday, they close on Monday. This means your bank may be closed on a day that is not the actual holiday date.

Some states observe additional holidays that federal banks do not recognize—such as Confederate Memorial Day in certain Southern states. State-chartered banks and credit unions may close for these state holidays, but national banks will not. If you are unsure whether your bank observes a particular state holiday, contact your branch or check the bank's holiday schedule on its website.

How to check if your bank is open today

The fastest way to find out is to visit your bank's official website and look for "branch hours" or "locations." Most banks display today's hours prominently on the home page. If you use the bank's mobile app, it usually shows your branch's status and hours on the main screen as soon as you log in.

You can also call your branch directly. The phone number is on your debit card, in your statements, or on the bank's website. A recorded message will tell you today's hours, or a person can answer if the branch is open. This method works even if you do not have internet access.

Google Maps and Apple Maps also show bank branch hours. Search for your bank's name and your city, and the hours will appear in the results. This is useful if you are traveling or do not remember your branch's address.

What to do if you need banking services today and your branch is closed

ATMs are available 24/7 at your bank's locations and at many other banks and retailers. You can withdraw cash, deposit checks, transfer money between your own accounts, and check your balance without visiting a teller. Some ATMs charge a fee if you use a machine that is not owned by your bank, so look for your bank's logo on the machine.

Online banking and mobile apps work around the clock. You can pay bills, transfer money to other accounts, send money to other people through services like Zelle or your bank's own transfer tool, and deposit checks by taking a photo of the front and back. These services are free and do not require a branch visit.

If you need to speak to someone, many banks offer phone support on weekends and holidays. Call the number on the back of your debit card or on your bank's website to reach customer service. Some banks also offer live chat through their website or app.

Banks with weekend or holiday hours

A small number of large banks operate limited hours on Saturdays, and a few have Sunday branches in major cities. Bank of America, Chase, Wells Fargo, and Citibank each have some locations open on weekends, but availability varies widely by location. Credit unions sometimes keep different hours than national banks, and some are open on Saturdays.

Do not assume your branch is open on the weekend just because the bank operates some weekend locations. Check your specific branch's hours on the bank's website or by phone. Holiday hours are also unpredictable—some branches may open for a few hours on certain holidays, while others stay closed.

Why banks close on weekends and holidays

Banks close on weekends because most banking transactions are processed through the Federal Reserve's clearing system, which does not operate on Saturdays and Sundays. Checks, wire transfers, and other payments cannot be processed until the next business day. Keeping branches open on weekends would not speed up these transactions, so most banks do not staff them.

Federal holidays are observed because the Federal Reserve itself is closed, which means the banking system does not process transactions. Banks also close to give employees time off and to align with the national calendar. This is why a deposit made on a holiday may not show up in your account until the next business day.

Frequently Asked Questions

Can I deposit a check if my bank is closed today?

Yes, if your bank has an ATM. Most ATMs accept check deposits 24/7. The check will be processed the next business day. If your bank does not have an ATM nearby, you can use mobile check deposit through the bank's app—take a photo of the front and back of the check and submit it through the app.

Will my transfer go through if I send it today and the bank is closed?

Online transfers between accounts at the same bank usually process immediately, even on holidays. Transfers to other banks or wire transfers may not process until the next business day, depending on the type of transfer and the receiving bank. Check your bank's app or website to see the expected delivery date.

Do credit unions have the same hours as banks?

Credit unions follow similar schedules—closed on weekends and federal holidays—but some have different weekend or holiday hours than banks. A few credit unions operate on Saturdays. Check your credit union's website or call your branch to confirm today's hours.

What if I need cash and all ATMs near me are out of service?

Some retailers like grocery stores and pharmacies offer cash back when you make a purchase with your debit card, even if the bank is closed. This is free and does not require a bank visit. You can also use a different bank's ATM, though you may be charged a fee.

Are banks closed on Election Day?

No. Election Day is not a federal holiday recognized by the Federal Reserve, so banks are open. Some states observe it as a holiday, but national banks will not close. State-chartered banks in those states may close, so check with your bank if you are unsure.