Are Banks Open Today? Federal Holiday Bank Closures

Are Banks Closed On Yom Kippur Not understanding which banks remain open on Mondays can be inconvenient, especially if you need to deposit a payment or ask about a loan and learn that the location you frequent is closed. Because banks are independently owned, they can be open at any hour, including the weekend. However, nearly every bank in the United States closes for federal holidays.

Are Banks Open Today? Federal Holiday Bank Closures

Which national holidays include bank holidays?

Each financial institution can set its plan, although most use the Federal Reserve’s federal holiday calendar, which lists the 11 public holidays that also count as banking holidays. Here’s a basic overview:

  • New Year’s Day
  • Martin Luther King, Jr. Day
  • President’s Day and Memorial Day
  • Celebrations include Juneteenth,
  • Independence Day, and Labor Day.
  • Columbus Day / Indigenous Peoples Day
  • Veteran’s Day
  • Celebrate Thanksgiving and Christmas.

Holidays when institutions are usually open

Other holidays, ranging from minor observances such as Houseplant Recognition Day to big ones like Lent or Yom Kippur, are not federal banking holidays. Banks can change their hours on such holidays if they like, although they are normally open and will operate according to their customary timetables.

Banks typically function regularly on the following kinds of holidays:

  • Valentine’s Day.
  • Ash Wednesday
  • Ramadan
  • Saint Patrick’s Day.
  • Palm Sunday
  • Good Friday
  • Easter Sunday
  • Cinco De Mayo
  • Mother’s Day.
  • Father’s Day.
  • Rosh Hashanah
  • Yom Kippur
  • Halloween
  • Black Friday
  • Boxing Day
  • Chanukah
  • Kwanzaa
  • New Year’s Eve.

Services are provided even when banks are closed.

Just because banks stop their branches and suspend operations on federal holiday periods does not mean that your accounts are inaccessible. You can still do the following things on bank holidays:

Transfer money across accounts at the same bank.

If you have numerous accounts at a single bank, electronic transactions between them are usually instant. You can move money from your bank account to your account for savings online or using an application for mobile devices, and the funds will be sent quickly.

  • Withdraw from the ATM.
  • Although bank offices remain closed on federal holidays, bank ATMs continue to accept cash and deposits.
  • Deposit cheque via mobile app.
  • Rather than visiting a bank in person, you may deposit a check into your account using the bank or credit union’s mobile app.
  • Create a new account online.
  • Credit unions and banks allow you to open fresh checking, savings, certificates of deposit (CDs), and other accounts online.
  • Utilizing an ATM on an official government holiday.
  • Although branches of banks will be shuttered on the holiday, ATMs will remain open. You will be able to see the balance of your account as well as make cash withdrawals. Additionally, some banks have ATMs which are open every day of the week.
  • Filing an invoice on a financial holiday
  • If you subscribe to an automatic bill payment that occurs on an official Federal Reserve vacation, it will not be processed until the following Monday, which might result in additional fines if you fail the deadline. All withdrawals will be prohibited during bank holidays.

Bank Hours

  • During the week, banks typically open around eight in the morning and 9 a.m. as shut around 4 p.m. – 6 p.m. Most credit unions additionally utilize these hours.
  • Credit unions and banks are frequently open on Saturdays. On Saturdays, they may be open longer and close sooner. Banks typically open on Saturdays from 9 a.m. until 2 p.m.
  • Almost no financial institution or bank union operates on Sundays, with few exceptions. Banks that are open on Sundays generally have fairly restricted hours, like 11 a.m.-3 p.m.

Are Banks Open Today? Federal Holiday Bank Closures


Thankfully, most large banks provide internet access while their physical facilities are closed. This access allows you to accomplish a variety of tasks on a day off from work, like depositing a check using your smartphone. However, probably, the check will not be finalized until the next working day.

Are Banks Open Today FAQs

  • Question – What does it mean to have a bank holiday?

Answer – The government establishes federal vacation days to ensure industry stability and standards. On federal holiday days, financial institutions normally close, and the majority of transactions and workflow systems wait until the next day of business.

  • Question – Do check deposits process on holidays?

Answer – If a check is placed on holiday, it will not be handled until the next working day and might remain unpaid for several days.

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