Banks close on federal holidays and Sundays, and sometimes on Saturdays depending on the bank
Most banks in the United States close on Sundays and on the 11 federal holidays recognized by the Federal Reserve: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. If tomorrow falls on any of these days, your bank will be closed.
Some banks also close on Saturdays, though this is less common than it used to be. Credit unions and smaller regional banks are more likely to have Saturday hours than large national chains. Your specific bank's schedule depends on its own policy, not on a single national rule.
If you need to know whether your bank is open tomorrow, the fastest way is to search "[Your Bank Name] hours" or call the branch directly. Most banks also post their hours on their website and on Google Maps, which updates automatically for holidays.
Key Takeaways
- Banks close on all 11 federal holidays and on Sundays; some also close on Saturdays.
- The specific holidays and weekend hours vary by bank, so checking your bank's website or calling ahead is the only reliable way to know.
- If you need cash or to deposit a check tomorrow and the bank is closed, ATMs and mobile deposit are available 24/7.
- Wire transfers and bill payments can often be scheduled in advance through online banking, so you do not have to wait for the bank to open.
How to check your bank's hours for tomorrow
Open your bank's website and look for an "Hours" or "Locations" page. Most banks list their branch hours and note which holidays they observe. Google Maps also shows bank hours and will flag if a location is closed for a holiday.
If you are unsure which bank you use or have multiple accounts, log into your online banking app. The app usually displays branch hours and ATM locations near you. You can also call your branch directly — the phone number is on your bank card or on the bank's website.
If tomorrow is a federal holiday you recognize (like Christmas or Independence Day), assume your bank is closed unless you have confirmed otherwise. Do not rely on a bank being open just because it was open last year on the same date — some banks change their holiday schedules.
What you can do when the bank is closed
ATMs work 24 hours a day, even when the bank building is closed. You can withdraw cash, deposit checks (if your ATM has mobile deposit), and check your balance at any time. Most banks do not charge a fee for using their own ATMs, though out-of-network ATMs may charge a small fee.
Mobile deposit through your bank's app lets you photograph a check and deposit it without visiting a branch or ATM. The photo is usually processed within one business day. This works even if the bank is closed, as long as you submit the photo before the bank's cutoff time (usually 9 p.m. or 10 p.m. on business days).
Online banking lets you pay bills, transfer money between accounts, and schedule payments for future dates. If you need to send money to someone else, you can set up a transfer to happen automatically when the bank reopens. Wire transfers can sometimes be sent on holidays through certain banks, but this varies — check with your bank first if it is urgent.
Federal holidays when banks close
| Holiday | Date (varies by year) |
|---|---|
| New Year's Day | January 1 |
| Martin Luther King Jr. Day | Third Monday in January |
| Presidents' Day | Third Monday in February |
| Memorial Day | Last Monday in May |
| Juneteenth | June 19 |
| Independence Day | July 4 |
| Labor Day | First Monday in September |
| Columbus Day | Second Monday in October |
| Veterans Day | November 11 |
| Thanksgiving | Fourth Thursday in November |
| Christmas | December 25 |
If a federal holiday falls on a Saturday, some banks close on Friday instead. If it falls on a Sunday, some banks close on Monday. Your bank's specific policy is on its website or available by phone.
Planning ahead if you need cash or to deposit money
If you know the bank will be closed tomorrow and you need cash, withdraw it today from an ATM or teller. ATMs have daily withdrawal limits (usually $500 to $1,000, depending on your account and bank), so plan accordingly if you need more.
If you have a check to deposit and the bank is closed, use mobile deposit through your app instead. The check will be processed when the bank reopens. Do not wait until the bank is open again unless the check is time-sensitive or you need the money immediately.
If you need to pay a bill or send money and the bank is closed, log into online banking and schedule the payment for the next business day. Most banks process scheduled payments automatically, so you do not have to remember to do it later.
What counts as a business day for banks
A business day for banking purposes is Monday through Friday, excluding federal holidays. Deposits and transfers made on a weekend or holiday are usually processed on the next business day. Some banks process them faster, but you should not count on it.
If you deposit a check on Friday evening through an ATM or mobile deposit, it will typically be processed on Monday (or Tuesday if Monday is a holiday). If you need the money sooner, ask your bank whether it offers next-day processing for certain types of deposits.
Frequently Asked Questions
Can I use my debit card at stores if the bank is closed tomorrow?
Yes. Your debit card works at stores, restaurants, and online retailers 24/7, regardless of whether your bank's building is open. The transaction will be processed when the bank reopens, but you can spend the money immediately.
Will my direct deposit go through if the bank is closed tomorrow?
Direct deposits scheduled for a holiday are usually processed on the next business day. Check with your employer or the organization sending the deposit to confirm the exact timing. Your bank cannot process it on a day it is closed, but the money will arrive as soon as it reopens.
Can I still use online banking if the bank is closed?
Yes. Online banking, mobile apps, and ATMs work 24/7. You can check your balance, transfer money between your own accounts, and pay bills anytime. Transfers to other people's accounts may take longer if the bank is closed, but you can schedule them to go through automatically.
What if I need to speak to someone at the bank and it is closed tomorrow?
Call the bank's customer service number (on your card or website) — many banks have phone support on weekends and holidays, though wait times may be longer. For urgent issues, ask if the bank has a 24-hour support line. Otherwise, you will need to visit or call during regular business hours.
Do credit unions have the same holiday schedule as banks?
Most credit unions close on the same federal holidays as banks, but some observe different hours or additional holidays. Check your credit union's website or call to confirm whether it is open tomorrow.