Most U.S. banks will be closed on Good Friday, April 18, 2025
Good Friday is a federal holiday, and the vast majority of banks treat it the same way they treat Thanksgiving, Christmas, and New Year's Day — they close their physical branches and do not process transactions. If you need to deposit a check, withdraw cash, or handle business at a teller window, you will not be able to do it on April 18.
However, "closed" does not mean you lose access to your money entirely. ATMs stay running, online banking continues to work, and mobile apps function normally. The closure affects only in-person services and the processing of certain transactions that require staff.
A small number of banks may stay open — usually credit unions or regional banks with their own holiday schedules — so if you have an account at a smaller institution, it is worth checking their website or calling ahead rather than assuming they are closed.
Key Takeaways
- Federal banks close on Good Friday, April 18, 2025, and do not process deposits, withdrawals, or teller services that day.
- ATMs and online banking remain available on Good Friday, so you can access your money through those channels.
- Checks deposited on Good Friday will not be processed until the following business day, typically Monday, April 21.
- Wire transfers, ACH payments, and other electronic transfers initiated on Good Friday may not clear until the next business day.
- Some credit unions and regional banks may have different holiday schedules, so check with your specific institution if you are unsure.
What you can and cannot do on Good Friday at your bank
ATM withdrawals and deposits work normally on Good Friday. You can pull cash, transfer money between your own accounts, and use the ATM to check your balance. Mobile deposits — where you photograph a check through your bank's app — also process on the holiday itself, though the funds may not show as available until the next business day.
What stops on Good Friday is anything that requires a person to process it. Teller transactions, loan applications, safe deposit box access, and in-person account changes all require staff and will not happen. If you need to speak to a banker or handle something that cannot be done online or through an ATM, you will need to wait until Monday, April 21.
Electronic transfers initiated on Good Friday — wire transfers, ACH payments, bill payments through your online account — may be submitted, but they typically will not clear or process until the next business day. Some banks show them as "pending" until Monday morning.
How check deposits work when Good Friday falls in the middle of the week
If you deposit a check on Good Friday using an ATM or mobile deposit, the check enters the system but does not get processed that day. Banks do not clear checks on federal holidays. The check will be processed on Monday, April 21, and funds will typically show as available on Tuesday, April 22, depending on your bank's standard processing time.
This matters if you are counting on that money to cover a bill or payment due on Friday or over the weekend. Plan ahead: if you need funds by Friday, deposit the check by Thursday, April 17. If you can wait until the following week, Friday deposits are fine.
Remote check deposits through your bank's mobile app follow the same rule — the image is captured on Friday, but the actual processing happens Monday. Some banks allow you to see a temporary hold or "pending" status on Friday, but the money is not truly available until the bank processes it.
Wire transfers and bill payments on Good Friday
Wire transfers initiated on Good Friday will not leave your account until Monday, April 21. If you schedule a wire for Friday, it sits in a queue until the bank's processing staff returns. This is different from a regular ACH transfer, which may process automatically even on a holiday — but wire transfers always require manual handling and will not move on a federal holiday.
Bill payments set up through your bank's bill pay system may show as "scheduled" or "pending" on Friday, but they will not be sent to the payee until Monday. If a bill is due on Friday or over the weekend, do not rely on a Friday wire or bill payment to cover it. Pay earlier in the week or use a different method.
Credit card payments, mortgage payments, and loan payments made through your bank's online system on Friday will typically process on Monday. If your payment due date is Friday, April 18, contact your lender or creditor in advance to confirm their holiday schedule — some accept payments on the holiday even if banks do not process them.
Which banks are definitely closed and which might be open
All major national banks — Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC, and others — close on Good Friday. If you bank with one of the "big five" or any large national chain, assume your branch is closed on April 18.
Credit unions vary. Some close on all federal holidays; others stay open. Your credit union's website will list its holiday schedule, or you can call the branch directly. A few credit unions remain open on Good Friday because they are not bound by the same federal holiday rules as banks.
Regional and community banks also vary. Some treat Good Friday as a regular business day, especially if they serve areas with large non-Christian populations. The only way to know is to check your bank's website or call ahead. Do not assume based on the bank's size — a small local bank might be open while a large regional one is closed.
Planning ahead: what to do before Good Friday
If you know you will need cash or services on or around Good Friday, handle it on Thursday, April 17. Withdraw cash, deposit checks, make wire transfers, and pay bills before the holiday. This eliminates any risk of delays or missed deadlines.
If you are expecting a direct deposit or payment on Good Friday — such as a paycheck or government payment — it will likely arrive on Monday instead. Payroll and government agencies often do not process payments on federal holidays. Check with your employer or the agency sending the payment to confirm their schedule.
For refunds, tax payments, or other time-sensitive transactions, do not wait until the week of Good Friday. Handle them earlier in the month or later, depending on the deadline. If a refund or payment is scheduled to arrive on Good Friday, contact the issuer to ask whether it will be delayed to Monday.
Frequently Asked Questions
Can I use my debit card on Good Friday if the bank is closed?
Yes. Debit cards work at ATMs and at stores on Good Friday. The bank closure affects only in-person branch services and staff-dependent transactions like teller deposits or loan applications. Your card and online access remain fully functional.
Will my paycheck arrive on Good Friday or be delayed to Monday?
Most employers process payroll before Good Friday or after, not on the holiday itself. If your regular payday falls on Friday, April 18, ask your payroll department whether the deposit will arrive Thursday or Monday. Government payments like Social Security and tax refunds also may be delayed if they are scheduled for Good Friday.
What if I need to access my safe deposit box on Good Friday?
You cannot access a safe deposit box on Good Friday because the bank is closed and staff are not present. Plan ahead if you need documents or items stored in a box. Access the box on Thursday or wait until Monday, April 21.
Do online banks close on Good Friday?
Online-only banks like Ally, Charles Schwab, and others do not have physical branches, so there is no "closing" in the traditional sense. However, they still do not process checks, wire transfers, or ACH payments on federal holidays. Transfers initiated on Friday will process on Monday, just like at traditional banks.
If I deposit a check on Thursday, will it clear before Good Friday?
Probably not. Most banks require one business day to process a check after deposit. A check deposited on Thursday, April 17, will typically clear on Friday, April 18, but the funds may not show as available until Monday, April 21, depending on your bank's policy and the check amount.