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 is everything you need to know about when banks are open in 2026.
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, branches 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.
| 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 Banks Close on Federal Holidays
Banks do not choose to close on federal holidays — they effectively must, because the Federal Reserve is closed. The Fed operates Fedwire (wire transfers) and the ACH network that allows money to move between institutions. When the Fed shuts down:
| System | What Happens on a Holiday |
|---|---|
| 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 could not process interbank transactions. This is why all banks close — staying open would create confusion without providing meaningful service.
Typical Bank Hours by Day
| 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 |
Hours vary by bank and location. In-store branches (inside grocery stores) often have extended hours, while smaller standalone 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:
| Service | Available on Holidays? |
|---|---|
| ATM withdrawals | Yes — 24/7 |
| ATM deposits | Yes (settles next business day) |
| Mobile check deposit | Yes (settles next business day) |
| Online bill payment scheduling | Yes (processes next business day) |
| Zelle transfers | Yes — instant 24/7 |
| Account balance and history | Yes |
| Internal transfers (same bank) | Yes — instant |
| ACH to other banks | Initiated yes; processes next business day |
| Wire transfers | No — Fedwire is closed |
The key distinction is between initiating a transaction and processing it. You can initiate transfers 24/7, but they will not clear the Federal Reserve system until the next business day. For instant peer-to-peer payments, Zelle works even on holidays.
What to Do When You Need Banking on a Holiday
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. See ATM withdrawal limits by bank 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. For guidance on how ATM and branch deposits work, see ATM cash deposits 2026.
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 to avoid potential late fees.
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 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, and general questions:
| Bank | 24/7 Emergency Phone |
|---|---|
| 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 Early 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 (most banks) |
| July 3 (when July 4 is on Saturday) | Closed all day as observed holiday |
Days Banks Are Open (That Many People Assume Are Holidays)
| Day | Banks Open? | Notes |
|---|---|---|
| Black Friday | Yes | Normal business day; some reduced hours |
| Christmas Eve | Partial | Early closure common (2–3 PM) |
| New Year’s Eve | Partial | Early closure common |
| Easter Sunday | Closed | Not a federal holiday, but banks closed on Sundays anyway |
| Good Friday | Yes | Not a federal holiday — full banking day |
| Columbus Day | Yes/No | Federal holiday — most banks close, stock market stays open |
| Veterans Day | Yes/No | Federal holiday — most banks close, stock market stays open |
Credit Unions vs. Banks: Holiday Schedules
| Holiday | Banks | Federal Credit Unions | State Credit Unions |
|---|---|---|---|
| All 11 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
| Situation | Best Strategy |
|---|---|
| Direct deposit due on a holiday | Usually posts the business day before — confirm with employer |
| Bill due on a holiday | Pay 1 business day early to avoid late fees |
| Need large cash on a holiday | Withdraw the day before |
| Wire transfer needed by a holiday | Initiate 1–2 business days before |
| Need a cashier’s check | Get it at least 2 days before the holiday |
For the full breakdown of how each 2026 holiday affects direct deposits and ACH timing, see the bank holidays hub.
Related Guides
- Bank Holidays 2026 — Full Hub — complete holiday impact guide
- Full Bank Holiday Schedule 2025–2026 — every date with observed days
- Are Banks Open on MLK Day? — January 19, 2026
- Are Banks Open on Columbus Day? — most inconsistently observed holiday
- Are Banks Open on Veterans Day? — November 11
- Are Banks Open the Day After Thanksgiving? — Black Friday banking hours
- ATM Cash Deposits 2026 — what works when branches are closed
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy