Check your bank's holiday schedule and hours before you go

Most banks close on federal holidays and Sundays, and many close on Saturdays too. The easiest way to know if your bank will be open tomorrow is to call the branch directly, check their website, or look at their hours posted on Google Maps or their app. Banks post holiday closures weeks in advance, so you can plan ahead if tomorrow is a holiday.

If you need cash or to deposit a check and your branch is closed, ATMs work 24/7 at most banks. Mobile deposit through your bank's app also works any time, and many banks let you transfer money between accounts or to other people without visiting a branch at all.

Key Takeaways

  • Federal holidays when most banks close include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
  • Your specific branch may have different hours than other branches of the same bank, so call or check online rather than assuming.
  • ATMs, mobile deposit, and online transfers work when the branch is closed, so you have options even if tomorrow is a holiday.
  • Banks announce holiday closures on their website and in their app, usually several weeks before the holiday arrives.

Federal holidays when banks close

Banks in the United States close on these federal holidays: 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), 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 the holiday falls on a Saturday or Sunday, the bank may close on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday. Check your bank's specific policy because some banks observe the holiday on the actual date and others observe it on the nearest business day.

How to check your bank's hours right now

Call your branch directly — the phone number is on your debit card, your bank's website, or in their mobile app. A staff member can tell you tomorrow's hours in seconds. This is the fastest and most reliable method, especially if you have questions about what services are available.

Search your bank's name plus "hours" on Google Maps. The map listing shows today's hours and a link to see the full week. You can also visit your bank's website, log into the mobile app, or look for an "hours and locations" page that lists every branch and when it opens and closes.

What to do if your branch is closed tomorrow

Use an ATM to withdraw cash or deposit a check. ATMs are available 24/7 at your bank's branches and at many other locations. Most ATMs let you check your balance, withdraw cash, and deposit checks without needing the branch to be open.

Use mobile deposit through your bank's app to photograph and submit a check from your phone. This usually takes a few minutes and the funds appear in your account within one or two business days. You can also transfer money between your own accounts, send money to another person through your bank's app, or pay bills online without visiting a branch.

Banks that may have different weekend hours

Some banks stay open on Saturday mornings or afternoons, though hours vary widely. Credit unions sometimes have different hours than traditional banks. If you need to visit a branch on Saturday, call ahead or check the app because not all locations are open on weekends.

Online banks and some newer banks have no physical branches at all, so there is no "branch closed" problem — you handle everything through the app or website. If you use an online bank, you still have access to ATMs through their network, usually at no cost.

What happens if you need money on a holiday

ATMs work on holidays, so you can withdraw cash or deposit checks even when the branch is closed. If you need to speak to someone, most banks have a customer service phone line that operates on holidays, though wait times are often longer. Check your bank's website for the holiday customer service number.

If you need a wire transfer, cashier's check, or another service that requires a staff member, you will have to wait until the branch reopens. Plan ahead for these services — if you know you need a cashier's check on Monday and Monday is a holiday, visit the branch on Friday instead.

Frequently Asked Questions

Do all banks close on the same holidays?

All federally regulated banks close on federal holidays, but some banks may have different policies for certain holidays or observe holidays on different days. Credit unions and smaller banks may have their own schedules. Call your specific branch to confirm, especially if tomorrow is a holiday you are unsure about.

Can I deposit a check on a holiday using the ATM?

Yes, most ATMs accept check deposits 24/7, even on holidays. The check is usually processed the next business day. Some banks process holiday deposits on the next business day, while others may wait until two business days later depending on when the deposit is made.

What if I need cash and the ATM is out of money?

ATMs can run out of cash on busy holidays or weekends. If your bank's ATM is empty, try an ATM at a nearby branch or a different bank's ATM in your bank's network. You can also visit a grocery store or pharmacy that has an ATM, though you may pay a fee if it is not your bank's machine.

Are bank customer service lines open on holidays?

Most banks have a customer service phone line open on major holidays, though wait times are longer than usual. The number is on your debit card or your bank's website. Some services like wire transfers or account disputes may not be handled on holidays, even if someone answers the phone.

Can I transfer money between banks on a holiday?

You can initiate a transfer through your bank's app or website on a holiday, but the money will not arrive until the next business day. Both banks need to be open to process the transfer, so a transfer initiated on a holiday typically clears the day after the holiday ends.