Most banks are closed on December 26, 2025

December 26 is the day after Christmas, and most major U.S. banks treat it as a holiday. Bank of America, Chase, Wells Fargo, Citibank, and regional banks across the country will have their branch locations closed. Federal Reserve offices are also closed, which means wire transfers and ACH payments will not process that day.

If you need to deposit a check, withdraw cash, or handle a transaction in person, you will need to wait until December 27 (Saturday) or December 29 (Monday). Some banks have Saturday hours, though they vary by location and branch.

Online banking, ATMs, and mobile apps continue to work on December 26. You can transfer money between your own accounts, pay bills online, and check your balance without visiting a branch. Transactions you initiate online may not post until the next business day.

Key Takeaways

  • Physical bank branches are closed on December 26, 2025, because it is observed as a federal holiday the day after Christmas.
  • ATMs and online banking remain available on December 26, so you can withdraw cash and move money between your accounts without a branch visit.
  • Wire transfers and ACH payments will not process on December 26; they will settle on the next business day.
  • Check your specific bank's website or call ahead before December 26 if you need Saturday or Sunday hours, since these vary by location.

What you can and cannot do on December 26

ATMs work around the clock on December 26. You can withdraw cash, deposit checks using mobile deposit (through your bank's app), and transfer money between accounts you own at the same bank. These transactions either complete immediately or post the next business day depending on the type.

You cannot visit a branch to speak with a teller, open a new account, apply for a loan, or resolve disputes that require a person. If you have a question about a transaction or need to report fraud, most banks have phone lines open on holidays, though wait times are often longer. Check your bank's website for the holiday customer service number.

Payments you send online on December 26 will be scheduled but will not leave your account until December 27 or later. Wire transfers initiated on December 26 will not process until December 29 (the next business day after the weekend).

Saturday and Sunday hours near December 26

Some banks open on Saturday, December 27, but hours are shorter than weekday hours and vary widely. Chase, for example, may have Saturday hours at certain locations but not others. Bank of America's Saturday hours also depend on the branch. Call your local branch or check the bank's website to confirm whether it is open December 27 and what time it closes.

Most banks are closed on Sunday, December 28. Monday, December 29, is the first full business day after the holiday, and all branches return to normal weekday hours.

Credit unions and online banks

Credit unions follow the same federal holiday schedule as traditional banks. If your credit union is part of a shared branching network, you may be able to visit a different credit union's branch on December 26, though this depends on the network and the branch. Call your credit union ahead of time to confirm.

Online-only banks like Ally, Charles Schwab Bank, and Discover Bank do not have physical branches, so the holiday does not affect your ability to transfer money or check your balance. However, customer service phone lines may have reduced staffing on December 26, and any transfers you initiate will still follow the standard processing timeline (usually one to two business days).

Wire transfers and bill payments on December 26

If you send a wire transfer on December 26, it will not leave your bank until December 29 at the earliest. The receiving bank will not receive it until December 29 or 30, depending on the time you sent it and the receiving bank's processing schedule. If you need money to arrive by a specific date, initiate the transfer on December 24 or 25 instead.

Bill payments you schedule online on December 26 will be sent on December 27 or 29, depending on your bank and the payee. Check your bank's website when you schedule the payment to see the expected delivery date. If a bill is due on December 27 or 28, schedule it before December 26 to avoid a late payment.

What to do if you need cash or have an urgent issue

Use an ATM to withdraw cash on December 26. Most ATMs are available 24/7, even when branches are closed. If you do not have an ATM card, you cannot get cash until a branch reopens.

If you need to report fraud, a missing card, or a transaction error, call your bank's customer service number on December 26. The number is usually on the back of your debit card or on your bank's website. Wait times are often long on holidays, so call early in the day if you can. Many banks also allow you to report fraud through their mobile app.

If your issue is not urgent, wait until December 29 to visit a branch or call during normal business hours. Branch staff can resolve most problems faster than holiday phone lines.

Frequently Asked Questions

Can I deposit a check on December 26?

You can deposit a check using mobile deposit through your bank's app on December 26, and it will typically post within one to two business days. You cannot deposit a check at a branch because branches are closed. ATM check deposit is available at some banks but not all; check your bank's website to see if your local ATM has this feature.

Will my direct deposit arrive on December 26?

Direct deposits scheduled for December 26 will not process because the Federal Reserve is closed. If your employer normally deposits on December 26, the deposit will arrive on December 27 or 29 instead, depending on your employer's processing schedule. Contact your payroll department if you are unsure when your next deposit will arrive.

What if I need to pay a bill that is due on December 26?

If the bill is due on December 26 and you have not paid it yet, you have likely missed the deadline. Contact the creditor or service provider directly to explain the situation and ask about a grace period or late fee waiver. For future holidays, schedule bill payments at least two business days before the due date.

Are bank ATMs open on December 26?

Yes, ATMs are open 24/7 on December 26, including ATMs at bank branches that are closed. You can withdraw cash, check your balance, and deposit checks (if your ATM has mobile deposit) without visiting a branch.

Can I call my bank on December 26?

Most banks have customer service phone lines open on December 26, though wait times are usually longer than on regular business days. Check your bank's website for the holiday customer service number. If your issue is not urgent, calling on December 29 will be faster.