Most banks will be closed on Memorial Day, Monday, May 26, 2025

Memorial Day is a federal holiday, and nearly all banks observe it by closing their physical branches. This includes major national banks like Bank of America, Wells Fargo, Chase, and Citibank, as well as most regional and community banks. 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 branch on that day.

However, you can still access your money through ATMs, mobile apps, and online banking. ATMs operate 24/7 regardless of the holiday, and you can transfer funds, check balances, and pay bills online without waiting for a branch to reopen. If you use a credit union instead of a bank, check with your specific institution—some credit unions follow the federal holiday schedule while others maintain limited hours.

Key Takeaways

  • Bank branches close on Memorial Day (May 26, 2025), but ATMs and online banking remain available around the clock.
  • Deposits made at ATMs on the holiday will typically post to your account the next business day, Tuesday, May 27.
  • Wire transfers and bill payments initiated online on Memorial Day may not process until the following business day.
  • If you need cash or to deposit a check in person, plan ahead and visit your branch on Friday, May 23, or Tuesday, May 27.

What you can and cannot do on Memorial Day

ATM withdrawals, deposits, and balance checks work normally on the holiday. You can also log into your bank's website or mobile app to transfer money between your own accounts, pay bills to companies that accept electronic payments, and view your transaction history. These services do not depend on branch staff being present.

What you cannot do is speak to a teller, cash a check that requires verification, open a new account, or resolve disputes that need a person's judgment. If you need a cashier's check or a bank statement printed on the spot, you will have to wait until Tuesday. Wire transfers initiated online on the holiday may sit in a queue and not actually move until the next business day, depending on your bank's system.

When deposits posted at ATMs will show up in your account

If you deposit a check or cash into an ATM on Memorial Day, the deposit is captured and held by the bank's system. Most banks post ATM deposits the next business day, which means your deposit will likely appear in your account on Tuesday, May 27. Some banks post deposits the same day if you deposit before a certain cutoff time, but on a holiday, the standard is next business day.

The funds may be available to use immediately (depending on your account type and the check amount), or they may be held for one to three business days while the check clears. Check your bank's mobile app or website after you deposit to see the status and any holds.

How to plan ahead if you need cash or to deposit a check

Visit your branch on Friday, May 23, to withdraw cash, deposit checks, or handle anything that requires a teller. If you wait until the weekend, you will not be able to use the branch, and the holiday on Monday closes it again. This gives you a three-day window where no branch services are available.

If you cannot get to a branch before Friday, use an ATM on the holiday itself to deposit checks or withdraw cash. For checks, the ATM will capture the image and deposit it electronically. For cash withdrawals, you can take out up to your daily limit (usually $500 to $1,000, depending on your bank and account type).

Online bill payments and transfers on the holiday

You can schedule bill payments and transfers online on Memorial Day, and most banks will process them on the next business day. If you set up a payment to go out on Tuesday, May 27, it will leave your account on that day. If you schedule it for Monday the 26th, the bank's system will hold it and send it on Tuesday instead.

For payments to other people (like rent or a loan payment), check whether the recipient's bank is also closed on the holiday. If both banks are closed, the payment may not arrive until Wednesday, May 28. To be safe, schedule important payments for Wednesday or later if the deadline is tight.

Credit unions and smaller banks may have different hours

Most credit unions close on Memorial Day, but a few stay open with reduced hours or skeleton staff. Call your credit union directly or check their website to confirm. Some online-only banks and fintech services (like Chime or Ally) do not have physical branches, so the holiday does not affect them—you can still transfer money and pay bills as usual.

If you bank with a smaller regional bank, check their holiday schedule on their website or call ahead. A few institutions offer limited Saturday hours or partner with other banks' ATM networks, which can give you more options on the holiday weekend.

Frequently Asked Questions

Can I use my debit card to buy things on Memorial Day if the bank is closed?

Yes. Your debit card works at stores, restaurants, and online retailers regardless of whether your bank's branch is open. The bank's computer systems that process card payments run 24/7. Only in-person branch services are unavailable.

Will a check I deposit at an ATM on Monday clear by Tuesday?

The check will be deposited and captured on Monday, but it typically will not clear (the funds will not be fully available) until Wednesday or Thursday. Posting to your account and clearing are two different things. Your bank will show the deposit on Tuesday, but the actual funds may be held while the check clears.

What if I need to dispute a transaction on Memorial Day?

You cannot speak to someone in person, but you can call your bank's customer service line if they have holiday staffing (many do). You can also start a dispute through your mobile app or online banking, and the bank will investigate after the holiday ends. Document the transaction details while you remember them.

Do credit card payments process on Memorial Day?

If you pay your credit card bill online on Memorial Day, the payment is usually received and posted the next business day. If your due date falls on the holiday, most credit card companies automatically extend the deadline to the next business day. Check your statement or call to confirm.

Can I get a cashier's check on Memorial Day?

No. Cashier's checks require a teller to issue and sign them, so you must visit a branch when it is open. Plan to get one on Friday, May 23, or later in the week of May 27 if you need it for a deadline after the holiday.