Most banks are closed today if it's a federal holiday or Sunday
Banks in the United States follow a standard schedule: open Monday through Friday during business hours, closed on Saturdays and Sundays, and closed on federal holidays. If today is a weekend or a federal holiday, your bank is almost certainly closed. The federal holidays that shut down banks are 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.
Some banks open on Saturday mornings, but this varies by branch and bank. Credit unions also follow similar schedules, though a few stay open later or on different days. The fastest way to know whether your specific branch is open today is to call the branch directly or check your bank's website or mobile app — they all show branch hours and holiday closures.
Key Takeaways
- Banks close on all federal holidays and every Sunday; most also close on Saturday.
- Your bank's mobile app or website shows today's hours for your specific branch in seconds.
- If you need cash on a holiday, ATMs work 24/7 at most banks, even when branches are closed.
- Some banks open on Saturday mornings, but hours vary widely by location and institution.
- Calling your branch directly is the most reliable way to confirm whether it is open today.
How to check if your bank is open right now
Open your bank's mobile app or website and look for "branch locator" or "hours." Enter your zip code or the branch name, and the app will show you today's hours and whether the branch is open. Most apps display a green "Open" or red "Closed" label at the top. If the branch is closed, the app usually shows when it reopens.
If you do not have the app, call your branch directly. The phone number is on your debit card, on your bank statements, or in a Google search for "[Bank Name] near me." A recorded message will tell you today's hours before you reach a person. This takes less than a minute and is more reliable than guessing based on the day of the week.
Federal holidays when all banks close
Banks close on these days every 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), and Christmas (December 25).
If a federal holiday falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, most banks close on Monday. Your bank's website lists the exact closure dates for the current year, so you can plan ahead if you need to withdraw cash or deposit a check before a holiday.
What to do if you need cash or to deposit money on a holiday
ATMs work 24/7 at most banks, even on holidays and Sundays. You can withdraw cash, deposit checks, and transfer money between your own accounts using an ATM without visiting a branch. If your bank is part of a network like Allpoint or MoneyPass, you may also use ATMs at other banks without a fee.
If you need to speak to someone or handle a transaction that requires a teller, you will have to wait until the branch reopens. Some banks offer phone or chat support on holidays, though they cannot process certain transactions. Check your bank's website or app to see what services are available by phone on the day you need help.
Saturday hours vary by bank and branch
Some banks open on Saturday mornings, usually from 9 a.m. to 1 p.m., but not all branches do. Large national banks like Chase, Bank of America, and Wells Fargo often have Saturday hours at many locations, but smaller banks and credit unions may not. The only way to know is to check your specific branch's hours on the bank's website or app, or call ahead.
If your branch does not open on Saturday, you can still use the ATM or mobile app to handle most banking tasks. Mobile deposit (taking a photo of a check with your phone) works on weekends at most banks, so you do not have to wait until Monday to deposit a check.
Credit unions and online banks have different schedules
Credit unions typically follow the same holiday and weekend schedule as traditional banks, but some stay open later on weekdays or open on Saturday. Online banks like Ally, Charles Schwab, and Discover have no physical branches, so they do not have "open" or "closed" hours — you can access your account anytime through the app or website. However, customer service phone lines may have limited hours, especially on weekends and holidays.
If you use a credit union, check its website or call the branch to confirm today's hours. If you bank online, you can handle most tasks anytime, but if you need to speak to someone, check the customer service hours listed on the bank's website.
Frequently Asked Questions
Can I use my ATM card on a holiday when the bank is closed?
Yes. ATMs work 24/7, including holidays and Sundays. You can withdraw cash, deposit checks, and transfer money between your own accounts without visiting a branch. Some ATMs charge a fee if you use a machine outside your bank's network, so check your account terms.
What if I need to deposit a check on a holiday?
Use mobile deposit if your bank offers it — take a photo of the front and back of the check with your phone and submit it through the app. Most banks process mobile deposits within one business day. If your bank does not have mobile deposit, use an ATM that accepts check deposits, or wait until the branch reopens.
Do banks close early on the day before a holiday?
Most banks keep regular hours the day before a holiday. However, some branches may close an hour or two early, so check your bank's website or call ahead if you plan to visit the day before a major holiday like Thanksgiving or Christmas.
Are banks open on Veterans Day or Juneteenth?
No. Both Veterans Day (November 11) and Juneteenth (June 19) are federal holidays, so all banks close. If either falls on a weekend, banks close on the nearest weekday instead.