TD Bank is closed on Presidents Day
TD Bank observes Presidents Day as a federal holiday and closes all branches on that day. Presidents Day falls on the third Monday in February each year. In 2024, that was February 19. In 2025, it will be February 17.
When a branch is closed, you cannot walk in to deposit checks, withdraw cash, or speak to a banker in person. ATMs and online banking remain available 24/7, so you can still check your balance, transfer money between your own accounts, and use any TD ATM without a fee.
If you need to make a deposit or handle something that requires a teller, plan ahead: deposit your check or cash the business day before the holiday, or wait until the day after.
Key Takeaways
- All TD Bank branches close on Presidents Day, which occurs on the third Monday in February each year.
- ATMs work normally on Presidents Day, and you can use any TD ATM without paying a fee.
- Online banking and mobile app transfers are available 24/7, even when branches are closed.
- If you need a teller service, deposit or withdraw on the business day before or after the holiday.
- Check your local branch's hours on the TD Bank website or app to confirm it reopens the next business day.
What you can and cannot do on Presidents Day
TD Bank ATMs operate around the clock on Presidents Day. You can withdraw cash, deposit checks at ATMs equipped with mobile deposit or envelope deposit, transfer money between your accounts, and check your balance. If you use a non-TD ATM, you may be charged a fee by the other bank, though TD reimburses out-of-network ATM fees for some account types—check your account terms.
Online banking and the TD Bank mobile app work the same way they do any other day. You can pay bills, send money to other people, move funds between accounts, and review transactions. Payments you schedule to post on Presidents Day will process normally.
You cannot visit a branch to speak with a banker, deposit cash over the counter, get a cashier's check, open a new account, or resolve issues that require a teller or banker's help. If you need any of those services, do them the day before or the day after.
Planning ahead for holiday closures
If you have a check to deposit and Presidents Day is coming up, use mobile deposit through the TD Bank app instead of waiting for a branch. Mobile deposit lets you photograph the front and back of a check and submit it from your phone. The funds typically appear in your account within one business day.
If you need cash, withdraw it before the holiday. ATMs have daily withdrawal limits—usually $500 to $1,000 depending on your account type—so if you need more than that, plan multiple withdrawals or visit a branch earlier in the week.
If you have a bill due on or shortly after Presidents Day, pay it online through your bank's bill pay feature or through the biller's website. Payments sent online usually post within one to three business days, giving you a buffer.
Other federal holidays when TD Bank closes
TD Bank closes on all federal holidays recognized by the U.S. government. These include New Year's Day, Martin Luther King Jr. Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank also closes on the day after Thanksgiving.
Some branches may have different hours on days surrounding a holiday—for example, they might close early on Christmas Eve or New Year's Eve. Check your local branch's schedule on the TD Bank website or call ahead if you are unsure.
How to find your branch's exact hours
Visit the TD Bank website and use the branch locator tool. Enter your zip code or city, and the tool will show you every TD Bank location near you, along with regular hours and any holiday closures. You can also call your local branch directly—the phone number appears in the locator results.
The TD Bank mobile app also shows branch hours and lets you find nearby ATMs. Open the app, tap the location icon, and search for branches or ATMs in your area.
What to do if you need banking services on Presidents Day
If you absolutely need to move money or check your account on Presidents Day, use online banking or the mobile app. Both are available 24/7 and handle most routine transactions.
If you need cash and cannot withdraw before the holiday, use any ATM—not just TD Bank ATMs. You may pay a fee at a non-TD ATM, but the money will be available immediately. Some retailers like grocery stores and pharmacies also offer cash back with a debit card purchase.
If your issue cannot wait until the next business day and requires speaking to someone, TD Bank customer service may have a limited holiday line. Call the number on the back of your debit card to see if a representative is available, though wait times are typically longer on holidays.
Frequently Asked Questions
Can I use my TD debit card on Presidents Day?
Yes. Your debit card works at any merchant, ATM, or online retailer on Presidents Day. You can make purchases, withdraw cash at ATMs, and pay bills online without any interruption.
Will my online bill payment go through if I schedule it for Presidents Day?
Yes. Payments you schedule through TD Bank's online bill pay will process on the date you select, even if that date is a holiday. The payment will post to your account normally.
Can I deposit a check at a TD ATM on Presidents Day?
Yes, if your ATM has mobile deposit or envelope deposit. You can photograph a check through the app or insert it into the machine. The deposit will be processed and appear in your account within one business day.
What if I need to speak to a banker on Presidents Day?
Branches are closed and no in-person service is available. Call the customer service number on the back of your card to see if a representative can help by phone, though availability is limited on holidays.
Does TD Bank charge fees for ATM use on Presidents Day?
No. Using a TD Bank ATM on Presidents Day costs nothing. Using a non-TD ATM may result in a fee from the other bank, though some TD accounts reimburse out-of-network fees—check your account agreement.