Most banks close on Patriots Day, but it depends on your state and your bank
Patriots Day is a state holiday in Massachusetts, Maine, and Connecticut. On this day — the third Monday in April — most banks in those three states will be closed. Banks in other states remain open on Patriots Day because it is not a federal holiday there.
Even within Massachusetts, Maine, and Connecticut, some banks stay open. Credit unions, online banks, and smaller regional institutions sometimes keep different hours than the major national chains. The safest approach is to check your specific bank's website or call the branch directly rather than assume based on your state alone.
If you need to deposit a check, withdraw cash, or handle a transaction on Patriots Day, you have options: ATMs work 24/7 regardless of branch hours, mobile apps let you deposit checks remotely, and most banks offer online transfers that do not require a branch to be open.
Key Takeaways
- Banks close on Patriots Day only in Massachusetts, Maine, and Connecticut, where it is a recognized state holiday.
- Some banks in those states may stay open even on Patriots Day, so calling ahead or checking online is more reliable than assuming closure.
- ATMs, mobile check deposit, and online transfers work on Patriots Day regardless of whether your branch is open.
- Federal banks and credit unions may follow different holiday schedules, so verify with your institution directly.
Which states observe Patriots Day as a bank holiday
Patriots Day falls on the third Monday in April. Massachusetts, Maine, and Connecticut recognize it as an official state holiday, and most banks headquartered in or operating primarily in those states close their branches on this day.
If you bank with a national chain like Bank of America, Wells Fargo, or Chase, check whether your specific branch location is in one of these three states. A branch in Massachusetts will likely close; a branch in New York or Pennsylvania will not. Regional banks like Eastern Bank (Massachusetts) or Bangor Savings Bank (Maine) almost always close on Patriots Day.
Online banks and credit unions are less predictable. Some follow the federal holiday calendar and stay open; others align with the states where they have the most members or branches. Your bank's website should list Patriots Day in its holiday schedule, or you can call customer service to confirm.
What you can do on Patriots Day without visiting a branch
ATMs are available 24/7 on Patriots Day, even when the branch is closed. You can withdraw cash, deposit cash (at ATMs equipped for it), check your balance, and transfer money between your own accounts.
Mobile check deposit — available through most bank apps — lets you photograph the front and back of a check and submit it without stepping into a branch. The deposit usually posts within one or two business days. This works on Patriots Day just as it does on any other day.
Online transfers between accounts at your bank or to accounts at other banks (through services like Zelle or ACH transfers) process on Patriots Day, though they may not clear until the next business day if the receiving bank is also closed.
Bill pay through your bank's website or app also works on Patriots Day. Payments scheduled for Patriots Day may process on that day or on the next business day depending on your bank's system, so check the confirmation screen when you schedule the payment.
When your deposit will clear if you use an ATM or mobile deposit on Patriots Day
Deposits made on Patriots Day at an ATM or through mobile check deposit will not clear until the next business day — Tuesday, if Patriots Day falls on a Monday. Banks do not process deposits on state holidays, so your money will sit in a pending status until the branch reopens.
If you need the funds urgently, deposit before Patriots Day. If you deposit on Patriots Day and the receiving bank is also closed (because it is in Massachusetts, Maine, or Connecticut), the deposit may take an extra day to clear.
Cash deposits at ATMs sometimes post faster than check deposits, but the timing still depends on when the bank processes the transaction. Check your bank's deposit policy or call to ask about the specific timeline for your account type.
Federal banks and credit unions may have different hours
Federal banks — those chartered by the Office of the Comptroller of the Currency — follow the federal holiday calendar, not state holidays. Since Patriots Day is not a federal holiday, federal banks stay open on Patriots Day even in Massachusetts, Maine, and Connecticut.
Credit unions vary. Some credit unions are federally chartered and stay open; others are state-chartered and close on Patriots Day if they operate in one of the three states that observe it. The only way to know is to contact your credit union directly or check their website.
If you belong to a credit union and need to visit a branch on Patriots Day, call ahead. Many credit unions post their holiday schedule online, but some do not, so a phone call is the fastest way to confirm.
How to learn about your specific bank is open on Patriots Day
Visit your bank's website and look for a holiday schedule or hours page. Most major banks list Patriots Day explicitly. If you do not see it listed, search the site for "Patriots Day hours" or "holiday schedule."
Call your branch directly. The phone line will often tell you the branch hours before you reach a person. If the branch is closed on Patriots Day, the message usually says so.
Check your bank's mobile app. Many apps show branch hours and let you search by location. If you see your branch listed with no special note for Patriots Day, it is likely open.
If you cannot find the information online, call customer service. They can tell you whether your branch is open and what services are available on Patriots Day.
Frequently Asked Questions
Is Patriots Day a federal holiday?
No. Patriots Day is a state holiday in Massachusetts, Maine, and Connecticut only. Federal offices and federal banks stay open on Patriots Day. State-chartered banks in those three states typically close.
Can I use my debit card on Patriots Day if the bank is closed?
Yes. Debit cards work at ATMs and online merchants on Patriots Day regardless of whether your branch is open. You can also use your card to make purchases at stores. Only branch-specific services like speaking to a teller or visiting a safe deposit box require the branch to be open.
Will a check I deposit on Patriots Day clear the same day?
No. Deposits do not process on Patriots Day. A check deposited on Patriots Day will not clear until at least the next business day, and possibly longer if the receiving bank is also closed.
What if I need cash on Patriots Day and the ATM is out of money?
ATMs are restocked by armored car services that operate on holidays, but if an ATM runs out of cash before it is refilled, you cannot withdraw from it. If your bank's ATM is empty, try an ATM at another bank or a convenience store. You can also wait until the branch reopens to withdraw cash from a teller.
Do online banks close on Patriots Day?
Online banks do not have physical branches, so they do not close on Patriots Day. You can access your account, transfer money, and deposit checks through the app on Patriots Day just as you would on any other day.