Most bank branches close on the Federal Reserve's holidays, when ACH transfers and wires between banks pause. Branch hours vary by bank and location: most branches open on weekdays, many open on Saturdays with shorter hours, and few open on Sundays. This page covers standard hours, every 2026 bank holiday, and direct links to customer service numbers and branch hour guides for Chase, Bank of America, Wells Fargo, and 12 other major banks.
Bank Branch Hours
Branch hours vary by bank and location; this is the general pattern:
| Day | Branches | Notes |
|---|---|---|
| Monday – Friday | Open | Hours vary by bank and branch |
| Saturday | Varies | Many branches open, often with shorter hours |
| Sunday | Closed (most) | A few branches open; check your bank's locator |
| Federal Holidays | Closed (most) | ATMs and online banking generally available |
Online banking, mobile apps and ATMs generally stay available outside branch hours. Phone customer service hours vary by bank — Bank of America’s main line, for example, is staffed 8 a.m.-11 p.m. ET on weekdays and 8 a.m.-8 p.m. ET on weekends.
Federal Bank Holidays 2026
Most banks close on Federal Reserve holidays. ACH transfers do not process on these dates — plan payroll, bill payments, and transfers accordingly.
| Holiday | 2026 Date | Day |
|---|---|---|
| New Year's Day | January 1 | Thursday |
| Martin Luther King Jr. Day | January 19 | Monday |
| Presidents' Day | February 16 | Monday |
| Memorial Day | May 25 | Monday |
| Juneteenth National Independence Day | June 19 | Friday |
| Independence Day | July 4 (Fed Banks open Friday, July 3) | Saturday |
| Labor Day | September 7 | Monday |
| Columbus Day | October 12 | Monday |
| Veterans Day | November 11 | Wednesday |
| Thanksgiving Day | November 26 | Thursday |
| Christmas Day | December 25 | Friday |
ACH timing note: A bill payment or transfer scheduled for a Federal Reserve holiday will process the next business day. If Thanksgiving falls on Thursday, a payment due Thursday posts Friday. See the full bank holiday schedule for 2026 and early 2027 dates.
What Stops on Bank Holidays
Not all banking functions are affected equally:
| Function | On Holidays | On Weekends |
|---|---|---|
| Branch teller service | ❌ Mostly closed | ❌ Sat varies, Sun mostly closed |
| ATM cash withdrawal | ✅ Generally available | ✅ Generally available |
| Online/mobile banking | ✅ Available | ✅ Available |
| ACH transfers | ❌ No processing | ❌ No processing |
| Wire transfers (domestic) | ❌ No processing | ❌ No processing |
| FedNow real-time payments | ✅ If both banks support | ✅ If both banks support |
| Check clearing | ❌ Paused | ❌ Paused |
Bank Hours by Bank — Big Four
Bank Hours — Regional & Online Banks
Customer Service Phone Numbers
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