Yes, most banks are closed on June 19th, 2025, because it is Juneteenth, a federal holiday
June 19th is Juneteenth National Independence Day, a federal holiday observed across the United States. Banks, credit unions, and the Federal Reserve all close on this day. If you are waiting for a tax refund, stimulus payment, insurance refund, or any other deposit to hit your account, it will not arrive on June 19th — the banking system does not process transfers on federal holidays.
This matters most if your refund was scheduled to land on or around that date. A deposit that would normally clear on June 19th will instead clear on the next business day, which is Friday, June 20th, 2025. If your refund was supposed to arrive earlier in the week, the holiday does not affect it.
The closure also affects wire transfers, ACH payments, and any other electronic money movement that depends on the Federal Reserve's settlement system. If you are sending money to pay a bill or transfer funds, plan for the extra day.
Key Takeaways
- Banks and credit unions close on June 19th because Juneteenth is a federal holiday, so no deposits or transfers process that day.
- Any refund or payment scheduled for June 19th will arrive on June 20th instead, the next business day.
- The Federal Reserve does not operate on federal holidays, which stops all electronic money movement through the banking system.
- If your refund was scheduled for an earlier date in the week, the June 19th holiday does not delay it.
How the Federal Reserve holiday affects your refund timing
The Federal Reserve, which runs the backbone of the U.S. banking system, does not process payments on federal holidays. This means the Automated Clearing House (ACH) — the system that moves most tax refunds, stimulus payments, and insurance refunds from the government or a company to your bank — shuts down on June 19th.
If the IRS, your state tax authority, an insurance company, or any other payer scheduled your refund to land on June 19th, the transfer will not initiate until June 20th. You will see the money in your account on June 20th or possibly June 23rd if the transfer takes an extra day to settle, depending on your bank.
Wire transfers also stop on federal holidays. If someone is sending you money by wire and the transfer was supposed to go through on June 19th, it will go through on June 20th instead.
What to do if your refund was supposed to arrive on June 19th
Check the status of your refund before June 19th using the tracking tool for your specific refund. For federal tax refunds, use the IRS Where's My Refund tool at irs.gov. For state tax refunds, go to your state tax authority's website. For insurance refunds, log into your account with the insurance company or call their customer service line.
The tracking tool will tell you the expected deposit date. If it says June 19th, assume it will actually arrive on June 20th. If it says June 18th or earlier, the holiday does not affect you. If it says June 20th or later, the holiday does not affect you either.
Do not contact your bank or the payer on June 19th asking where your money is — the system is not processing anything that day, and they cannot speed it up. Wait until June 20th to check your account. If the money has not arrived by end of business on June 20th, then contact the payer to ask for a status update.
Banks and government offices closed on June 19th
The following are closed on June 19th, 2025:
- All commercial banks (Chase, Bank of America, Wells Fargo, regional banks, etc.)
- Credit unions
- The Federal Reserve and all Federal Reserve Banks
- The IRS
- State tax authorities
- U.S. Post Office
- Social Security Administration
- Most government offices at the federal, state, and local level
Some private businesses stay open on Juneteenth, but the financial system itself — the infrastructure that moves money — does not operate. You can visit a bank branch on June 19th if one is open, but you cannot deposit checks, process wire transfers, or conduct any transaction that requires the Federal Reserve to be running.
Planning ahead if you need cash before June 20th
If you are counting on a refund to arrive by June 19th and you need the money before then, withdraw cash from an ATM before the holiday. Most ATMs are stocked before federal holidays and will have cash available on June 19th, even though the bank itself is closed.
If your refund is critical and you cannot wait until June 20th, contact the payer now — before June 19th — and ask if they can expedite the transfer or issue payment by a different method. Some organizations can send a check by overnight mail or process a same-day wire transfer if you call before the holiday. This is not may provide, but it is worth asking.
If you have bills due on June 19th and you are waiting for a refund to cover them, contact the biller and ask for a one-day extension. Explain that your payment is coming on June 20th because of the federal holiday. Most billers will grant a short extension rather than charge a late fee.
State and local variations
Juneteenth is a federal holiday, so all banks close nationwide on June 19th. However, some state and local governments may have different holiday schedules for their own offices. For example, some states observe Juneteenth on a different date if June 19th falls on a weekend, or they may give state employees a floating holiday instead.
This does not affect banks or the Federal Reserve — they follow the federal holiday calendar. But if you are waiting for a state tax refund or a local government payment, check your state or local tax authority's website to confirm their office is closed on June 19th and when they will resume processing.
Frequently Asked Questions
Will my direct deposit paycheck arrive on June 19th if my employer scheduled it for that day?
No. Employers typically schedule paychecks to arrive the day before or after a federal holiday to avoid this problem, but if yours is scheduled for June 19th, it will arrive on June 20th instead. Check your pay stub or ask payroll to confirm the actual deposit date.
Can I use my debit card or credit card on June 19th even though banks are closed?
Yes. Debit cards and credit cards work normally on June 19th because the card networks (Visa, Mastercard, etc.) operate separately from the Federal Reserve. You can swipe, tap, or use your card at any merchant. The holiday only affects transfers between bank accounts and the clearing system.
What if I need to deposit a check on June 19th?
You cannot deposit a check on June 19th because the bank is closed and the Federal Reserve is not processing deposits. Use mobile deposit or an ATM before June 19th if you need the check processed quickly. If you deposit on June 20th, it will clear normally.
Does the June 19th holiday delay wire transfers sent on June 18th?
It depends on what time you send the wire on June 18th. Wires sent before the Federal Reserve's cutoff time (usually 2 or 3 p.m.) on June 18th will process that day. Wires sent after the cutoff will not process until June 20th. Ask your bank what their cutoff time is if you are sending a time-sensitive wire.
Will my tax refund arrive later because of the June 19th holiday?
Only if it was scheduled for June 19th. Check the IRS Where's My Refund tool to see your expected deposit date. If the tool says June 18th or earlier, the holiday does not affect you. If it says June 19th, expect the money on June 20th instead.