Most banks will be closed on Good Friday, April 10, 2026
Good Friday is a federal holiday in the United States, and most banks observe it by closing their physical branches. If you need to deposit checks, withdraw cash, or handle in-person banking on that day, you will not be able to visit a branch location.
However, you can still use ATMs, mobile banking apps, and online banking services on Good Friday. These digital channels operate 24/7 regardless of whether branches are closed. If your bank is part of a larger network, you may also be able to use ATMs at other banks without a fee.
Some banks and credit unions may have different policies, so contacting your specific institution is the safest way to confirm. A quick call to your bank's customer service line or a check of their website will tell you whether they are observing the holiday.
Key Takeaways
- Most U.S. banks close their branches on Good Friday, April 10, 2026, because it is a federal holiday.
- ATMs and online banking remain available on Good Friday, even when branches are closed.
- Mobile apps and website banking let you transfer money, pay bills, and check balances without visiting a branch.
- Call your bank or check their website before Good Friday to confirm their specific holiday hours.
- Credit unions and smaller regional banks may have different policies than large national banks.
What you can do on Good Friday without a branch
ATMs work on Good Friday just like any other day. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), and check your balance. If your bank is part of a shared ATM network, you can often use ATMs from other banks in that network without paying a surcharge.
Mobile banking apps let you transfer money between your own accounts, send money to other people through services like Zelle or your bank's peer-to-peer system, and pay bills online. These transactions process immediately or within one business day, depending on the type of transfer.
Online banking through your bank's website works the same way. You can log in from any computer or phone and handle most routine transactions. Wire transfers, ACH transfers, and bill payments can all be set up on Good Friday, though they may not process until the next business day.
Which banks are definitely closed on Good Friday 2026
The largest U.S. banks—Bank of America, Chase, Wells Fargo, Citibank, and U.S. Bank—all close their branches on Good Friday. Regional banks like PNC, TD Bank, KeyBank, and Huntington Bank also close. Credit unions typically close as well, though some smaller or online-only credit unions may remain open.
Online banks like Ally, Charles Schwab Bank, and Marcus do not have physical branches, so the concept of "closed" does not apply to them in the same way. Their services remain available 24/7, though customer service phone lines may have reduced hours or be closed entirely on the holiday.
If you use a smaller local bank or credit union, do not assume they follow the same schedule as national banks. Some regional institutions may stay open on Good Friday or have different holiday policies. Your bank's website or a phone call to their main number will give you the definitive answer.
Planning ahead for Good Friday banking needs
If you need to deposit a check on Good Friday, deposit it through your mobile app or ATM before the holiday. Most banks accept mobile check deposits through their app, and you can photograph both sides of the check from your phone. The deposit usually posts within one business day.
If you need cash on Good Friday, withdraw it on Thursday, April 9, 2026. ATMs will have cash available, but if you need a large amount or have other in-person needs, Thursday is your last chance to visit a branch before the holiday.
If you need to wire money or send a large transfer, do it on Thursday. While you can initiate these transactions online on Good Friday, they will not process until Monday, April 13, 2026, because banks do not process wire transfers or ACH transfers on federal holidays.
What happens to checks and transfers on Good Friday
Checks deposited on Good Friday will not be processed until Monday. The bank receives your deposit on Friday, but the clearing process does not begin until the next business day. This means the funds will not be available in your account until at least Tuesday, April 14, 2026.
ACH transfers (the system used for most bill payments and peer-to-peer transfers) do not process on federal holidays. If you schedule a transfer to go out on Good Friday, it will actually process on Monday instead. If you schedule it for Monday, it will process on Monday as long as you submit it before the bank's cutoff time (usually 5 p.m. Eastern).
Wire transfers also do not process on Good Friday. If you need money to move quickly, send it on Thursday instead. Wire transfers typically arrive the same business day if sent before the bank's cutoff time.
How to find your bank's specific Good Friday hours
Visit your bank's website and look for a "Locations" or "Hours" page. Most banks list holiday hours there, and you can search by branch to see if your specific location has different hours on Good Friday.
Call your bank's main customer service number. The phone menu or a representative can confirm whether branches are closed on April 10, 2026, and whether any locations have special hours.
Use Google Maps or your bank's mobile app to search for your branch. The app or map listing often shows holiday hours directly. If it does not, the phone number listed will connect you to that branch or the bank's main line.
Frequently Asked Questions
Can I use my debit card on Good Friday if the bank is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer on Good Friday, regardless of whether your bank's branches are closed. The only limitation is that you cannot visit a physical branch to speak with a teller or access services that require in-person verification.
Will my direct deposit arrive on Good Friday?
No. Employers typically process payroll on Fridays, but if Good Friday falls on a payday, your deposit will arrive on Monday, April 13, 2026, instead. Check with your employer's payroll department if you are unsure when your next deposit will arrive.
What if I need to dispute a charge on Good Friday?
Call your bank's customer service line. Most banks have 24/7 phone support even on holidays. A representative can start the dispute process over the phone, and you can follow up with written documentation on Monday if needed.
Are credit unions open on Good Friday 2026?
Most credit unions close on Good Friday, but policies vary. Some smaller or online-only credit unions may stay open. Contact your credit union directly to confirm their holiday schedule.
Can I get a cashier's check on Good Friday?
No. Cashier's checks require a teller and can only be obtained at a branch during business hours. If you need one, get it on Thursday, April 9, 2026, or wait until Monday, April 13, 2026.