Banks close tomorrow because of a federal holiday, a weekend, or both

Most banks in the United States close on federal holidays and every Saturday and Sunday. If tomorrow falls on one of these days, your bank will not be open for in-person visits or phone banking. The specific reason depends on what day tomorrow is and whether a federal holiday is observed in your state or region.

Federal holidays that close banks nationwide include 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 states and territories observe additional holidays. If tomorrow is one of these dates, your bank's branches and customer service lines will be closed, though you can still use ATMs and online banking.

Key Takeaways

  • Banks close on all federal holidays and weekends, though ATMs and online banking remain available.
  • The Federal Reserve sets which days banks must close, and most major banks follow the same schedule.
  • If you need to deposit a check or withdraw cash tomorrow, you can use an ATM or mobile deposit through your bank's app.
  • Wire transfers and ACH payments sent on a bank holiday will process on the next business day instead.
  • Some credit unions and online banks have different holiday schedules, so check your institution's calendar if you use a smaller bank.

The federal holidays that close all U.S. banks

The Federal Reserve publishes an official list of holidays when banks must close. These are: 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 Day (fourth Thursday in November), and Christmas Day (December 25).

When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, most banks close on Monday. This is called observance, and it means you lose a business day even though the actual holiday date is different. For example, if Christmas falls on a Saturday, banks close on Friday, December 24.

Some states and territories observe additional holidays that banks in those areas must close for. These vary by location. If you live in a state that observes a holiday your bank does not, contact your branch directly to confirm whether it will be open.

What you can still do when banks are closed

Bank closures do not stop all banking. ATMs remain open 24 hours, so you can withdraw cash or check your balance at any time. Online banking portals and mobile apps work around the clock, letting you check balances, transfer money between your own accounts, and pay bills.

Mobile deposit — taking a photo of a check through your bank's app — works on bank holidays. The check will not clear until the next business day, but you can submit it immediately. This is useful if you receive a check on a holiday and want to deposit it right away rather than waiting until the bank reopens.

Debit cards work normally at merchants and ATMs. Credit cards work at merchants. The only services that stop are those requiring a human teller or a bank employee: deposits at a teller window, loan applications, account opening, and speaking to customer service by phone.

When wire transfers and payments process on a bank holiday

If you send a wire transfer or ACH payment (automatic clearing house — the system banks use to move money between accounts) on a bank holiday, it will not process until the next business day. The bank receives your request but does not send the money until the holiday is over and the Federal Reserve's payment systems are running again.

This matters if you are paying a bill with a deadline. If a payment is due on a bank holiday, send it the day before to make sure it arrives on time. If you send it on the holiday itself, it will be late. Some billers give a grace period for payments sent on holidays, but do not count on it.

Incoming wire transfers and ACH payments also pause on bank holidays. If someone is sending you money and the bank holiday falls during the transfer window, the money will arrive the next business day instead.

How to find your bank's specific holiday schedule

Most major banks — Bank of America, Chase, Wells Fargo, Citibank, and others — follow the Federal Reserve's holiday schedule exactly. Their websites list branch hours and confirm which days they are closed. You can also call your local branch or check your bank's mobile app, which usually displays tomorrow's hours at the top of the screen.

Credit unions and smaller regional banks sometimes observe different holidays or have different rules about observance. If you bank with a credit union or a local bank, check their website or call to confirm whether they are open tomorrow. Some credit unions stay open on federal holidays that larger banks close for.

Online banks that have no physical branches may not close at all on federal holidays, though their payment processing still pauses because the Federal Reserve is closed. Check your online bank's customer service page to see whether they observe holidays.

What to do if you need banking services tomorrow

If you need cash, use an ATM. If you need to deposit a check, use mobile deposit through your bank's app. If you need to transfer money between your own accounts, do it through online banking. All of these work on bank holidays.

If you need to speak to someone at the bank — to open an account, apply for a loan, or resolve a problem — you will have to wait until the next business day. Some banks offer limited phone support on holidays; call the number on the back of your debit card to see if yours does.

If tomorrow is a holiday and you have a time-sensitive banking need, plan ahead. Most banks publish their holiday schedule months in advance, so you can mark your calendar and handle banking tasks the day before.

Frequently Asked Questions

Can I withdraw money from an ATM on a bank holiday?

Yes. ATMs work 24 hours a day, every day, including all federal holidays and weekends. You can withdraw cash, check your balance, and deposit checks (if your ATM has a deposit slot) at any time, even when the bank is closed.

Will my check deposit clear faster if I use mobile deposit on a holiday?

No. Mobile deposits submitted on a bank holiday will not clear until the next business day, just like deposits made in person. The bank receives your submission but does not process it until the holiday is over and the Federal Reserve is operating again.

Do online banks close on federal holidays?

Online banks with no physical branches usually stay open, but their payment processing still pauses because the Federal Reserve closes. You can log in and move money between your own accounts, but wire transfers and ACH payments will not process until the next business day.

What happens if I send a wire transfer on a bank holiday?

The bank receives your request but does not send the money until the next business day. If the payment has a deadline, send it the day before the holiday to ensure it arrives on time. Payments sent on the holiday itself will be late.

Are credit unions closed on the same days as banks?

Most credit unions follow the Federal Reserve's holiday schedule, but some observe different holidays or stay open on days when banks close. Check your credit union's website or call your local branch to confirm whether it is open tomorrow.