Banks are typically open Monday through Friday from 9 AM to 5 PM, with many offering Saturday hours. Banks are closed on all 11 federal holidays and most Sundays. Here’s everything you need to know about when banks are open.
Quick Answer: Is Your Bank Open Today?
| Day Type | Bank Status | Notes |
|---|---|---|
| Monday–Friday | ✅ Open | Typically 9 AM – 5 PM |
| Saturday | ⚠️ Usually Open | Limited hours (9 AM – 1 PM typical) |
| Sunday | ❌ Closed | ATMs and online banking available |
| Federal Holiday | ❌ Closed | See holiday calendar below |
If today is a federal holiday, banks are closed—but ATMs, mobile banking, and online banking are available 24/7.
2025 Bank Holidays: Days Banks Are Closed
All federally regulated banks close on these 11 holidays. No ACH transfers, wire transfers, or check processing occurs on these days. The Federal Reserve sets this schedule, and all banks must follow it.
| Holiday | 2025 Date | Day | Banks Open? |
|---|---|---|---|
| New Year’s Day | January 1 | Wednesday | ❌ Closed |
| Martin Luther King Jr. Day | January 20 | Monday | ❌ Closed |
| Presidents Day | February 17 | Monday | ❌ Closed |
| Memorial Day | May 26 | Monday | ❌ Closed |
| Juneteenth | June 19 | Thursday | ❌ Closed |
| Independence Day | July 4 | Friday | ❌ Closed |
| Labor Day | September 1 | Monday | ❌ Closed |
| Columbus Day | October 13 | Monday | ❌ Closed |
| Veterans Day | November 11 | Tuesday | ❌ Closed |
| Thanksgiving | November 27 | Thursday | ❌ Closed |
| Christmas Day | December 25 | Thursday | ❌ Closed |
Important: When a federal holiday falls on a Saturday, banks close on Friday. When it falls on Sunday, banks close on Monday.
2026 Bank Holidays: Days Banks Are Closed
| Holiday | 2026 Date | Day | Banks Open? |
|---|---|---|---|
| New Year’s Day | January 1 | Thursday | ❌ Closed |
| Martin Luther King Jr. Day | January 19 | Monday | ❌ Closed |
| Presidents Day | February 16 | Monday | ❌ Closed |
| Memorial Day | May 25 | Monday | ❌ Closed |
| Juneteenth | June 19 | Friday | ❌ Closed |
| Independence Day (observed) | July 3 | Friday | ❌ Closed |
| Labor Day | September 7 | Monday | ❌ Closed |
| Columbus Day | October 12 | Monday | ❌ Closed |
| Veterans Day | November 11 | Wednesday | ❌ Closed |
| Thanksgiving | November 26 | Thursday | ❌ Closed |
| Christmas Day | December 25 | Friday | ❌ Closed |
Why Do Banks Close on Federal Holidays?
Banks don’t choose to close on federal holidays—they’re required to because the Federal Reserve is closed. The Fed operates the payment systems that allow banks to transfer money between institutions. When the Fed shuts down:
| System | What Happens |
|---|---|
| ACH Network | No automated clearinghouse transfers process |
| Fedwire | No wire transfers between banks |
| Check clearing | No checks clear |
| Direct deposits | Delayed until next business day |
Even if a bank kept its lobby open on a federal holiday, it couldn’t process inter-bank transactions. This is why all banks close—staying open would create confusion without providing meaningful service.
Typical Bank Hours by Day
Understanding normal bank hours helps you plan around closures:
| Day | Typical Branch Hours | Drive-Thru | ATM |
|---|---|---|---|
| Monday | 9 AM – 5 PM | 8 AM – 5 PM | 24/7 |
| Tuesday | 9 AM – 5 PM | 8 AM – 5 PM | 24/7 |
| Wednesday | 9 AM – 5 PM | 8 AM – 5 PM | 24/7 |
| Thursday | 9 AM – 5 PM | 8 AM – 5 PM | 24/7 |
| Friday | 9 AM – 5 PM | 8 AM – 6 PM | 24/7 |
| Saturday | 9 AM – 1 PM | 9 AM – 1 PM | 24/7 |
| Sunday | Closed | Closed | 24/7 |
Note: Hours vary by bank and location. In-store branches (inside grocery stores) often have extended hours, while smaller branches may have reduced hours.
Major Bank Hours Comparison
| Bank | Weekday Hours | Saturday Hours | Sunday |
|---|---|---|---|
| Chase | 9 AM – 5 PM | 9 AM – 1 PM (most) | Closed |
| Bank of America | 9 AM – 5 PM | 9 AM – 1 PM | Closed |
| Wells Fargo | 9 AM – 5 PM | 9 AM – 12 PM | Closed |
| Citi | 9 AM – 5 PM | 9 AM – 1 PM | Closed |
| PNC | 9 AM – 5 PM | 9 AM – 1 PM | Closed |
| TD Bank | 8:30 AM – 5 PM | 8:30 AM – 3 PM | 11 AM – 3 PM* |
| Capital One | 9 AM – 5 PM | 9 AM – 2 PM | Closed |
*TD Bank is one of the few major banks open on Sundays at most locations.
What Works When Banks Are Closed
Even when branches are closed, you can still manage your money through digital channels. Here’s what remains accessible—and what doesn’t—on holidays and weekends:
| Service | Available 24/7? | Holiday Availability |
|---|---|---|
| ATM withdrawals | ✅ Yes | ✅ Yes |
| ATM deposits | ✅ Yes | ✅ Yes (settles next business day) |
| Mobile check deposit | ✅ Yes | ✅ Yes (settles next business day) |
| Online bill pay | ✅ Yes | ✅ Yes (processes next business day) |
| Zelle transfers | ✅ Yes | ✅ Yes |
| Account balance/history | ✅ Yes | ✅ Yes |
| Internal transfers | ✅ Yes | ✅ Yes (instant for same bank) |
| ACH to other banks | ⚠️ Initiated | ❌ Processes next business day |
| Wire transfers | ❌ No | ❌ No |
The key distinction is between initiating a transaction and processing it. You can initiate transfers 24/7, but they won’t clear the Federal Reserve system until the next business day. For instant peer-to-peer payments, Zelle works even on holidays. Compare your options in our Zelle vs. Venmo vs. PayPal guide.
What to Do When You Need Banking on a Holiday
Most everyday banking needs can be handled through self-service options, even when branches are closed.
Need Cash?
ATMs are always available. Most bank ATMs are accessible 24/7, even on holidays. You can also get cash back at many grocery stores and pharmacies. Check your bank’s ATM withdrawal limits before heading out if you need a large amount.
Need to Deposit a Check?
Use mobile deposit through your bank’s app. The deposit will be initiated immediately, though funds may not be available until the next business day depending on your bank’s hold policy.
Need to Pay a Bill?
Set up online bill pay through your bank or pay directly through the company’s website. Schedule payments a day early if the due date falls on a holiday.
Need to Transfer Money?
For transfers within your bank, use online or mobile banking—these are usually instant. For transfers to other banks, Zelle is instant for enrolled recipients. ACH and wire transfers will process the next business day.
Have a Banking Emergency?
Most banks offer 24/7 phone support for:
- Lost or stolen cards
- Fraud concerns
- Account lockouts
- General questions
| Bank | 24/7 Phone Support |
|---|---|
| Chase | 800-935-9935 |
| Bank of America | 800-432-1000 |
| Wells Fargo | 800-869-3557 |
| Citi | 800-374-9700 |
| Capital One | 800-227-4825 |
Holiday Eve Closures
Many banks close early on the days before major holidays:
| Day | Typical Closure Time |
|---|---|
| Christmas Eve | 2:00 PM – 3:00 PM |
| New Year’s Eve | 2:00 PM – 3:00 PM |
| Day before Thanksgiving | Normal hours |
| July 3 (when July 4 is a weekday) | Normal hours |
Plan your in-branch banking accordingly if you need to visit on a holiday eve.
Days Banks Are Open (But Many Aren’t)
Some days feel like holidays but banks remain open:
| Day | Banks Open? | Notes |
|---|---|---|
| Black Friday | ✅ Yes | Normal business day |
| Christmas Eve | ⚠️ Partial | Early closure common |
| New Year’s Eve | ⚠️ Partial | Early closure common |
| Easter | ✅ Yes* | Not a federal holiday |
| Good Friday | ✅ Yes | Not a federal holiday |
| Halloween | ✅ Yes | Not a federal holiday |
| Super Bowl Monday | ✅ Yes | Not a federal holiday |
*Note: While banks are technically open on Easter Sunday, most are closed anyway because they don’t open Sundays.
Credit Unions vs. Banks: Holiday Schedules
Credit unions follow a similar but not identical schedule:
| Holiday | Banks | Federal Credit Unions | State Credit Unions |
|---|---|---|---|
| Federal holidays | Closed | Closed | Usually closed |
| Columbus Day | Closed | Closed | Sometimes open |
| Veterans Day | Closed | Closed | Sometimes open |
| State holidays | Open | Open | May be closed |
State-chartered credit unions follow state holiday schedules, which can differ from the federal calendar. If your credit union is state-chartered, call to verify holiday schedules.
Planning Around Bank Holidays
To avoid surprises, follow these tips:
| Situation | Strategy |
|---|---|
| Direct deposit due on holiday | Usually posts the business day before |
| Bill due on holiday | Pay 1 day early to avoid late fees |
| Large cash need on holiday | Withdraw day before |
| Wire transfer needed | Complete 1-2 business days before |
| Need cashier’s check | Get it at least 2 days before holiday |
Many employers automatically adjust direct deposits to post before holidays, but don’t count on it—budget accordingly.
Key Takeaways
| Question | Answer |
|---|---|
| Are banks open on weekdays? | Yes, typically 9 AM – 5 PM |
| Are banks open on Saturdays? | Most are, with reduced hours |
| Are banks open on Sundays? | Most are closed |
| Are banks open on federal holidays? | No, all 11 federal holidays |
| Can I still access money on holidays? | Yes, via ATMs and online banking |
Bottom line: If you’re asking “are banks open today?” the answer is almost always yes on regular weekdays, sometimes on Saturdays, rarely on Sundays, and never on federal holidays. Use online banking, mobile apps, and ATMs to handle urgent banking needs when branches are closed.