Most banks are closed on Juneteenth, but some branches and ATMs stay open
Juneteenth (June 19) is a federal holiday, which means most banks observe it as a day off. Large national banks like Bank of America, Chase, Wells Fargo, and Citibank close their physical branches on Juneteenth. However, ATMs and online banking remain available 24/7, so you can still withdraw cash, check balances, and transfer money without visiting a branch.
Some smaller regional banks and credit unions may have different schedules. A few branches in certain areas stay open on federal holidays, though this is uncommon. The only way to know for sure is to call your specific branch or check their website before you need to go in.
If you need to deposit a check or handle a transaction that requires a teller, plan ahead. Deposits made through ATMs or mobile apps will process normally, but they may not clear until the next business day after the holiday.
Key Takeaways
- Major national banks close all branches on Juneteenth, though ATMs and online services work around the clock.
- Check your specific bank's website or call ahead, because some smaller banks and credit unions may have different holiday schedules.
- Mobile deposits and ATM transactions process normally on the holiday, but checks may not clear until the day after Juneteenth.
- If you need a teller, plan your banking for the day before or after Juneteenth instead.
How to handle banking needs on Juneteenth
If you need cash, use an ATM. Your bank's ATM network will work on Juneteenth just like any other day. If you don't have your debit card, many banks let you withdraw cash using your phone through their mobile app.
If you need to deposit a check, use your bank's mobile app or an ATM that accepts deposits. Mobile deposits usually process within one business day, though the funds may not be available until the day after Juneteenth. Some banks offer next-day availability for mobile deposits, but this depends on the amount and your account history.
For wire transfers, bill payments, or account changes, you can handle most of these online or through your mobile app. If you absolutely need to speak to someone, some banks offer phone support on holidays, though wait times are often longer.
Which banks are definitely closed on Juneteenth
All major national banks close on Juneteenth. This includes Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC Bank, and TD Bank. Their branches will not be staffed, and you will not be able to speak to a teller.
Most credit unions also close on Juneteenth because it is a federal holiday. However, some credit unions operate independently and may have different policies. Call your credit union directly to confirm.
Online banks like Ally, Charles Schwab, and Discover have no physical branches, so the holiday does not affect them. You can still log in, transfer money, and manage your account on Juneteenth.
Planning ahead for Juneteenth banking
If you know you will need to visit a branch on or near Juneteenth, go the day before. This gives you time to handle deposits, withdrawals, or any transaction that requires a teller without rushing.
If Juneteenth falls on a weekday, the following Monday is typically when banks reopen. If you have checks to deposit or documents to bring in, wait until that Monday unless you can use mobile deposit or an ATM.
Set up automatic bill payments and transfers now if you have recurring payments due around Juneteenth. This way, you do not have to worry about timing on the holiday itself.
What works on Juneteenth even though branches are closed
| Service | Available on Juneteenth? | Notes |
|---|---|---|
| ATM withdrawals and deposits | Yes | 24/7 access; deposits may not clear until the next business day |
| Mobile app banking | Yes | Check balance, transfer money, pay bills, deposit checks |
| Online banking | Yes | Same as mobile app; accessible from any computer |
| Phone customer service | Sometimes | Call your bank to ask; wait times are usually longer |
| Wire transfers | Yes (online) | Process through your online banking portal; may not settle until the next business day |
| Teller services | No | Branches are closed; plan for the day before or after |
Frequently Asked Questions
Can I use my debit card on Juneteenth?
Yes. Your debit card works at ATMs and stores on Juneteenth. The bank holiday only affects branch hours, not card networks or ATM access.
Will my check deposit clear on Juneteenth if I use mobile deposit?
The deposit will be received, but it will not clear until the next business day. If Juneteenth is a Wednesday, the check clears Thursday. If Juneteenth is a Friday, the check clears Monday.
What if my bank is open on Juneteenth?
Some smaller banks and credit unions may stay open. Call your branch directly or check their website to confirm their Juneteenth hours before you go in.
Can I pay bills on Juneteenth?
Yes, through your online banking portal or mobile app. Bill payments scheduled for Juneteenth will process, though they may not reach the recipient until the next business day.