Wells Fargo branches close on Memorial Day

Wells Fargo branches are closed on Memorial Day, which falls on the last Monday of May each year. In 2024, that's May 27. In 2025, it's May 26. If you need to visit a branch, you'll need to go the day before or after the holiday.

The bank observes all federal holidays, and Memorial Day is one of them. This applies to nearly all Wells Fargo locations nationwide, though a very small number of branches in certain areas may operate under different schedules — call ahead if you're unsure about a specific location.

ATMs and online banking remain available 24/7 on Memorial Day. You can deposit checks through mobile deposit, transfer money between accounts, pay bills online, and withdraw cash from any Wells Fargo ATM. Digital services don't stop for holidays.

Key Takeaways

  • All Wells Fargo branches close on Memorial Day, which is the last Monday in May.
  • ATMs work around the clock on the holiday, and you can use online banking and the mobile app to handle most transactions.
  • If you need to speak to a representative, call the customer service line — some phone support may be available, though wait times are typically longer on holidays.
  • Plan ahead for time-sensitive transactions like loan applications, wire transfers, or account changes that require a branch visit.

What you can and cannot do on Memorial Day

Online transactions move forward normally. You can log into your account, transfer money between your own accounts, pay bills, set up automatic payments, and deposit checks using mobile deposit. These actions process immediately or on the next business day depending on the type of transaction.

What stops: in-person services. You cannot visit a branch to open a new account, apply for a loan, get a cashier's check, rent a safe deposit box, or speak face-to-face with a banker. Wire transfers initiated through online banking may process, but those initiated at a branch will wait until the branch reopens.

Phone support may be limited. Wells Fargo's customer service line (1-800-869-3557) sometimes operates on holidays with reduced staffing, so hold times can stretch significantly. Check the bank's website or call ahead to confirm what support is available on the specific day.

Planning ahead for Memorial Day weekend

If you need a cashier's check, wire transfer initiated at a branch, or any service requiring a banker's signature, complete it on Friday before the holiday. Many of these transactions cannot be done online or through ATMs.

Deposits made at an ATM on Memorial Day will post to your account, but the funds may not be available until the next business day depending on the deposit amount and your account type. Mobile deposits follow the same timeline.

If you're traveling over the long weekend and need cash, withdraw it before Monday. ATMs are available, but it's easier to plan ahead than to hunt for a Wells Fargo ATM in an unfamiliar location.

Other federal holidays when Wells Fargo closes

Memorial Day is one of eleven federal holidays when Wells Fargo branches shut down. The full list includes New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, the day after Thanksgiving, Christmas, and New Year's Eve (observed).

The bank may also close on additional holidays depending on state or local observance. Some branches in certain states recognize holidays that others do not. If you're unsure whether a specific day affects your branch, call ahead or check the branch locator on Wells Fargo's website.

How to find your branch's exact hours

Use the Wells Fargo branch locator at wellsfargo.com. Enter your zip code or address, and the tool shows you every nearby branch with its standard hours and holiday hours. You can also call your specific branch directly — the number appears in the locator results.

Some branches have different hours than others. A downtown location may close at 5 p.m. on weekdays while a suburban branch stays open until 6 p.m. The locator reflects each branch's actual schedule, so don't assume all Wells Fargo locations operate identically.

What to do if you have an urgent banking need on Memorial Day

Call Wells Fargo customer service at 1-800-869-3557. Representatives can help with account questions, fraud reports, lost card replacement, and some transaction requests. Response times will be slower than on regular business days, but the line does operate.

For emergencies like a lost or stolen card, call immediately. Wells Fargo can freeze your card over the phone and issue a replacement. For fraud, reporting it on the holiday protects you — the bank's fraud department works holidays to investigate unauthorized transactions.

If your issue can wait until Tuesday, that's often the faster route. The branch will have full staffing, and you won't compete with holiday-related call volume.

Frequently Asked Questions

Can I deposit a check at a Wells Fargo ATM on Memorial Day?

Yes. ATM deposits process normally on holidays. The check will post to your account, though funds may not be available until the next business day depending on the amount and your account type. Mobile deposit through the app works the same way.

Will my automatic bill payments process on Memorial Day?

Payments scheduled before the holiday will process as planned. The bank's systems run continuously. However, if you're scheduling a new payment on Memorial Day itself, it may not send until Tuesday depending on the time you set it.

Can I get a wire transfer done on Memorial Day?

Wire transfers initiated through online banking may process, but those initiated at a branch will not. If you need a branch-initiated wire, do it on Friday. For urgent transfers, call customer service to see if they can help, though options are limited on holidays.

What if I need cash and can't find a Wells Fargo ATM?

Use the ATM locator on wellsfargo.com or your mobile app to find the nearest Wells Fargo ATM. If none are nearby, most other banks' ATMs accept Wells Fargo cards, though you may pay an out-of-network fee. Plan ahead and withdraw cash before the holiday if possible.

Does Wells Fargo charge fees for transactions on Memorial Day?

No. Standard fees apply the same way they would on any other day. Overdraft fees, ATM fees, and other charges follow your normal account terms regardless of the day of the week or whether it's a holiday.