Most US banks will be closed on Good Friday, April 3, 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 a check, withdraw cash, or speak to someone in person, you will not be able to do so at a traditional bank branch on April 3, 2026.
However, you can still access your money through ATMs, mobile apps, and online banking on Good Friday. Transfers between accounts, bill payments, and account monitoring all work normally through digital channels. The closure affects in-person services only.
Some credit unions and smaller regional banks may have different policies, so if you bank at an institution outside the major national chains, contact them directly to confirm their Good Friday hours.
Key Takeaways
- Major US bank branches close on Good Friday, April 3, 2026, because it is a federal holiday.
- ATMs remain available 24/7, and you can transfer money, pay bills, and check balances through your bank's app or website.
- Credit unions and regional banks may stay open, so call ahead if you bank somewhere other than a major national chain.
- Deposits made through ATMs or mobile deposit on Good Friday will post the next business day, which is Monday, April 6, 2026.
What you can and cannot do on Good Friday
You cannot visit a branch to speak with a teller, open a new account in person, or get a cashier's check on Good Friday. If you need cash, use an ATM. If you need to deposit a physical check, use mobile deposit through your bank's app or an ATM that accepts deposits.
You can send money to another account, pay bills online, transfer funds between your own accounts, and check your balance at any time. Wire transfers initiated on Good Friday may not process until the following business day, depending on your bank's cutoff times.
If you have a time-sensitive banking need—such as disputing a transaction or reporting a lost card—call your bank's customer service line. Most banks staff their phone lines even on holidays, though wait times are often longer.
Which banks close and which stay open
All major national banks close on Good Friday: Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC, and others. Regional banks typically close as well, though a few smaller institutions may remain open.
Credit unions vary. Many close on Good Friday, but some stay open with reduced hours. Call your credit union the week before to confirm. If you are unsure whether your institution observes Good Friday, check their website or call their main line—they usually post holiday hours in advance.
Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so the holiday does not affect their services. You can conduct all transactions normally through their apps and websites.
Planning ahead for Good Friday banking needs
If you know you will need cash on Good Friday, withdraw it on Thursday, April 2. If you need to deposit a check, use mobile deposit or an ATM deposit on Thursday or Friday—the funds will post on Monday.
If you are expecting a wire transfer or ACH payment on Good Friday, understand that it may not arrive until Monday, April 6. Banks do not process these transfers on federal holidays. Plan accordingly if you need the money by a specific date.
For any transaction that requires a person—opening an account, getting a loan, or resolving a complex dispute—schedule it for Thursday or the following Monday. Do not wait until Friday morning if you need it done that day.
What happens to deposits and transfers on Good Friday
Deposits made through ATMs or mobile deposit on Good Friday will be received by your bank, but they will not post to your account until Monday, April 6. This is standard practice for all federal holidays. The deposit is safe; it simply waits in a queue until the bank processes it on the next business day.
Transfers you initiate online on Good Friday may process immediately within your own bank's system, but transfers to other banks (ACH transfers) will not leave your account until Monday. Wire transfers have similar delays—they will not move until the banking system reopens.
If you need money to clear by a specific date, do not wait until Good Friday to send it. Initiate transfers on Thursday to ensure they process on Friday or over the weekend.
ATM access and emergency banking on Good Friday
ATMs work 24/7 on Good Friday, just as they do every other day. You can withdraw cash, check your balance, and deposit checks at any time. ATM deposits are held until the next business day, but the transaction itself completes immediately.
If you have a banking emergency—a fraudulent charge, a lost card, or a critical account issue—call your bank's customer service number. Most banks maintain phone support on holidays, though wait times may be 30 minutes to an hour or longer. Have your account number and ID ready.
If your card is lost or stolen, you can usually report it through your bank's app or website, and a replacement can be ordered online. Temporary digital card access is often available the same day through your mobile wallet.
Frequently Asked Questions
Can I use my debit card on Good Friday if the bank is closed?
Yes. Your debit card works at ATMs, stores, and online merchants on Good Friday. The bank branch being closed does not affect your ability to spend money or access your account through digital means.
Will my paycheck deposit on Good Friday if I have direct deposit?
Direct deposits scheduled for Good Friday will not post until Monday, April 6. Your employer sends the payment, but the banking system does not process it until the next business day. If you need the money on Friday, ask your employer to schedule the deposit for Thursday instead.
What if I need a cashier's check on Good Friday?
You cannot get a cashier's check on Good Friday because branches are closed. If you need one urgently, get it on Thursday. Some banks allow you to order cashier's checks online for pickup the next business day, so check your bank's website.
Do credit unions close on Good Friday?
Most credit unions close on Good Friday, but policies vary. Call your credit union during business hours the week before to confirm their Good Friday schedule. Some may have limited hours or a single location open.
Can I transfer money between my accounts on Good Friday?
Yes. Transfers between your own accounts at the same bank usually process immediately through your app or online banking. Transfers to accounts at other banks will initiate on Good Friday but will not complete until Monday.