Most U.S. banks will be closed on Good Friday, April 10, 2026
Good Friday is a federal holiday, and the Federal Reserve observes it as a banking holiday. This means most banks across the country will not process transactions, clear checks, or conduct normal business on that day. If you need to deposit a check, withdraw cash, or handle banking business, you'll need to plan ahead.
The closure applies to the vast majority of traditional banks and credit unions. However, some online banks and mobile banking services may still allow you to move money or check balances through their apps, even though the bank itself is not staffed. ATMs typically remain available for cash withdrawals and deposits, depending on your bank's setup.
If Good Friday falls on a business day and your bank is closed, any deposits you make will not post until the next banking day, which would be Monday, April 13, 2026.
Key Takeaways
- Good Friday, April 10, 2026, is a federal banking holiday and most U.S. banks will be closed that day.
- ATMs and mobile banking apps may still work, but deposits and checks won't clear until the next business day.
- If you need cash or must deposit a check, plan your banking for Thursday, April 9, or wait until Monday, April 13.
- Credit unions follow the same federal holiday schedule as banks, so most will also be closed on Good Friday.
Which banks are closed and which might stay open
The Federal Reserve's official holiday schedule lists Good Friday as a day when member banks close. This includes all major national banks like Bank of America, Wells Fargo, Chase, and Citibank. Regional and local banks follow the same federal schedule. Credit unions, which are also regulated under federal banking rules, close on the same day.
Some online-only banks and fintech companies do not observe federal holidays in the traditional way because they have no physical branches. Banks like Ally, Charles Schwab Bank, and others may process some transactions on Good Friday, though customer service lines will likely be closed. Check your specific bank's holiday schedule on their website or call ahead if you're unsure.
International banks operating in the U.S. may have different policies depending on their home country's observance of Good Friday. If you bank with an international institution, contact them directly to confirm their 2026 Good Friday hours.
ATMs and mobile banking on Good Friday
ATMs are usually available 24/7, even when the bank is closed, because they operate independently of branch staff. You can withdraw cash, check your balance, and make deposits at most ATMs on Good Friday. However, deposited checks and cash may not post to your account until Monday, April 13.
Mobile banking apps and online banking portals typically remain open on federal holidays. You can transfer money between your own accounts, pay bills, and check balances through your bank's app or website. Wire transfers and ACH payments initiated on Good Friday may not process until the next business day, depending on the receiving bank's schedule.
If your bank uses a third-party ATM network, confirm that network's holiday schedule, as some independent ATM operators may have different policies.
What transactions will be delayed
Any deposit made on Good Friday—whether by ATM, mobile app, or mail—will not clear until Monday, April 13. This includes checks, cash deposits, and mobile check deposits through your bank's app. If you deposit a check on Thursday, April 9, it will typically clear by Friday or Saturday, depending on the check's origin bank.
Wire transfers initiated on Good Friday will not send until Monday. ACH transfers (like direct deposits or bill payments) scheduled for Good Friday may process on that day through the automated system, but the receiving bank may not credit the funds until the following business day. Outgoing wire transfers you request on Good Friday will be queued and sent first thing Monday morning.
If you have a time-sensitive payment due on Good Friday, make the transaction on Thursday instead. If you're expecting a deposit on Good Friday, it will likely arrive on Monday or Tuesday depending on the sender's bank.
Planning ahead for Good Friday 2026
If you know you'll need cash or must deposit a check before the weekend, visit your bank on Thursday, April 9. This ensures your deposit clears by Friday and any cash you withdraw is in hand before the holiday. If you're paid on Friday and need immediate access to funds, consider setting up direct deposit so the money goes directly into your account without requiring a trip to the bank.
For bill payments due on or around Good Friday, schedule them for Thursday or earlier in the week. If a payment is due on Friday and you haven't sent it, use your bank's online bill pay system on Thursday to ensure it processes on time. Many billers accept payments submitted the day before the due date.
If you have a check to deposit and won't be near a bank on Thursday, use your mobile banking app's check deposit feature on Good Friday. The check will be scanned and queued for processing, and it will clear on Monday along with other weekend deposits.
State-specific variations and exceptions
Good Friday is a federal holiday, so the Federal Reserve's closure applies nationwide. However, some states recognize Good Friday as a state holiday while others do not. This does not change bank hours—banks follow federal banking holidays, not state holidays. So even in states where Good Friday is not a state holiday, banks will still be closed.
A few states, like Hawaii and South Carolina, have different observances or do not recognize Good Friday as a state holiday. But again, this does not affect bank closures. Banks in those states will still close on Good Friday because it is a federal banking holiday.
If you bank with a credit union that is state-chartered rather than federally chartered, confirm their holiday schedule. Most state-chartered credit unions follow the federal banking holiday schedule anyway, but it's worth checking your specific institution's website.
What to do if you need banking services on Good Friday
Use an ATM to withdraw cash or deposit checks. Most ATMs are available around the clock, and your transaction will be recorded even though the bank is closed. The funds or deposit will be processed on the next business day.
Use your bank's mobile app or website to transfer money, pay bills, or check your balance. These services are typically available on holidays, though some banks may perform maintenance on Good Friday evening.
If you have an urgent banking need that cannot wait until Monday, contact your bank's customer service line on Thursday to ask about options. Some banks offer limited phone support on certain holidays, and they may be able to help you with time-sensitive issues.
If you bank with an online-only institution, check their website or app on Good Friday to see if they're processing transactions. Many online banks operate on a different schedule than traditional banks.
Frequently Asked Questions
Will my direct deposit come through on Good Friday?
Direct deposits scheduled for Good Friday may process through the automated ACH system, but your employer's bank and your bank may both be closed. The funds will likely arrive in your account on Monday, April 13, or Tuesday, April 14. If your paycheck is due on Friday, ask your employer to deposit it on Thursday instead.
Can I use my debit card on Good Friday?
Yes. Debit cards work at merchants and ATMs on Good Friday because the transaction is processed through the card network, not directly through your bank's branch. Your bank's systems are still running in the background, even though the branch is closed.
What if I need to speak to someone at my bank on Good Friday?
Most banks do not staff branches on Good Friday. Call your bank's customer service number on Thursday to ask if they offer limited phone support on the holiday. Some banks have holiday support lines, but many do not. If your issue is not urgent, wait until Monday.
Will checks I write on Good Friday clear on that day?
No. Checks you write on Good Friday will not clear until at least Monday, April 13, because the receiving bank will not process them until the next business day. The date you write on the check does not affect when it clears.
Can I pay my bills online on Good Friday?
Yes. You can schedule bill payments through your bank's website or app on Good Friday. However, if you schedule a payment for Good Friday itself, it may not process until Monday. To ensure a bill due on Friday is paid on time, schedule it for Thursday or earlier.