Most banks are closed on Juneteenth, but some branches may stay open
Juneteenth (June 19th) is a federal holiday, which means most banks observe it as a day off. The Federal Reserve, major national banks, and most regional banks close their doors on this day. However, some branches in certain areas may open for limited hours, and online banking continues to work around the clock.
If you need to handle banking on or around Juneteenth, the safest approach is to check with your specific bank before the holiday. A quick call to your branch or a look at their website will tell you whether they are open, closed, or running reduced hours.
Key Takeaways
- Federal holiday status means most major banks close entirely on Juneteenth, including Bank of America, Chase, Wells Fargo, and Citibank.
- Some smaller regional banks and credit unions may stay open or offer limited hours, so contact your bank directly to confirm.
- Online banking, mobile apps, and ATMs work on Juneteenth even when physical branches are closed.
- If you need cash or in-person service, plan ahead by visiting your bank on the business day before the holiday.
Which banks close on Juneteenth
All major national banks treat Juneteenth as a holiday and close their physical branches. This includes Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, and TD Bank. The Federal Reserve also closes, which affects wire transfers and certain settlement processes.
Credit unions vary by institution. Many large credit unions follow the federal holiday calendar and close on Juneteenth, but some smaller or regional credit unions may remain open. Call your credit union ahead of time to confirm their schedule.
What you can still do on Juneteenth
Even though branches are closed, you are not locked out of your money. ATMs operate 24/7 and work on Juneteenth just like any other day. You can withdraw cash, check your balance, and deposit checks at most ATMs without any interruption.
Online banking and mobile apps also run without interruption. You can transfer money between your own accounts, pay bills, send money to other people, and check your balance from your phone or computer. The only transactions that may be delayed are those that require manual processing or Federal Reserve involvement, such as wire transfers initiated on the holiday itself.
When banks reopen after Juneteenth
If Juneteenth falls on a weekday, banks reopen the next business day at their normal hours. If Juneteenth falls on a Saturday or Sunday, the federal holiday observance typically moves to the nearest weekday, and banks close on that day instead. Check your bank's website to see how they handle the observance in your area.
Any transactions you initiate online or through an ATM on Juneteenth will process normally, but wire transfers and other services that require Federal Reserve participation may not settle until the next business day.
Planning ahead for banking needs around Juneteenth
If you know you will need in-person banking services around Juneteenth, visit your branch the business day before. Deposit checks, withdraw cash, or handle any transactions that require a teller while the branch is open. This prevents delays or missed deadlines.
If you are expecting a deposit or payment around Juneteenth, remember that the Federal Reserve does not process transactions on federal holidays. A deposit made on Juneteenth may not clear until the following business day, even if you use mobile deposit or an ATM.
How to find your bank's Juneteenth hours
The fastest way to confirm whether your branch is open is to search "[Your Bank Name] hours" on Google or visit the bank's official website. Most banks have a branch locator tool where you can enter your zip code and see the hours for your specific location.
You can also call your branch directly. The phone number is usually on your debit card, your bank statements, or the bank's website. A quick call takes less than a minute and removes any doubt about whether you can visit in person.
Frequently Asked Questions
Can I use my debit card on Juneteenth if the bank is closed?
Yes. Your debit card works at ATMs and stores on Juneteenth regardless of whether your bank branch is open. You can withdraw cash from any ATM in your bank's network or use your card to make purchases anywhere that accepts cards.
Will my direct deposit arrive on Juneteenth?
Direct deposits scheduled for Juneteenth may arrive a day late because the Federal Reserve does not process transactions on federal holidays. If your payday falls on Juneteenth, ask your employer whether they deposit the day before instead. Some employers adjust payroll to avoid holiday delays.
Can I deposit a check on Juneteenth?
You can deposit a check using mobile deposit or an ATM on Juneteenth, but it will not clear until the next business day. If you need the money to be available immediately, deposit it the day before the holiday instead.
Do online banks close on Juneteenth?
Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is nothing to close. You can access your account and conduct transactions anytime on Juneteenth. Wire transfers and other services that depend on the Federal Reserve may still be delayed.
What if I need cash and forgot to withdraw before Juneteenth?
Use an ATM. ATMs work 24/7 on Juneteenth and every other day. As long as you have a debit card and your account has funds, you can withdraw cash from any ATM in your bank's network or from a network ATM (though out-of-network ATMs may charge a fee).