Once a holiday weekend comes around, everything can become a frantic rush — family gatherings, last-minute shopping trips, ever-changing holiday decorations. It's easy to lose track of which days your bank is closed, but you also don't want it to affect your day off if you need to access money in one of your bank accounts.
We've included a list of holidays when most banks (including the best banks in the U.S.) close, plus alternatives for accessing cash if you need money quickly.
Is Memorial Day a bank holiday?
Yes, Memorial Day is a bank holiday, so most banks will be closed. You won't be able to go to a branch on Memorial Day, and money transfers might take longer than usual. You can still use ATMs and check your online banking platform, though.
If you're planning on banking on Memorial Day, make sure to check ahead of time to see if your bank will be open. You might want to plan to bank on the Friday before Memorial Day or the Tuesday after, instead.
When are banks closed?
Banks and financial institutions close on federal holidays. Most have a holiday list on their website to let you know and prepare ahead of time.
Some brick-and-mortar national banks have a list in the FAQ section of the website.
Others, like TD Bank and Regions Bank, have separate pages with bank holiday schedules. During these holidays, brick-and-mortar banks will close all of their branches or modify their branch hours. Customer service hours may also vary depending on where you bank.
If a bank doesn't have a holiday schedule on its website, your best bet will be to call your nearest branch to know which holidays it's observing.
Online banks usually don't have physical branch locations, but you still may be affected. When an online bank observes a holiday, transactions may be delayed until the next day.
Customer service availability will usually stay the same with online banks, but there are some exceptions. Capital One 360 offers customer service support for all holidays except the Fourth of July, Thanksgiving Day, Christmas Day, and New Year's Day.
Most financial institutions follow the Federal Reserve System's holiday schedule. Here is the holiday schedule for 2025.
| Holiday | 2025 |
| New Year's Day | January 1 |
| Martin Luther King, Jr. Day | January 20 |
| Washington's Birthday (Presidents' Day) | February 17 |
| Memorial Day | May 26 |
| Juneteenth | June 19 |
| Fourth of July | July 4 |
| Labor Day | September 1 |
| Columbus Day | October 13 |
| Veterans Day | November 11 |
| Thanksgiving Day | November 27 |
| Christmas Day | December 25 |
If a holiday falls on a Saturday, the bank will still be open on a Friday. But if a holiday occurs on a Sunday, the bank will be closed the following Monday.
The stock market is open on most of the same days as banks, with a few exceptions.
Do transactions go through on bank holidays?
Most banking transactions don't process on bank holidays, regardless of whether you use an online or brick-and-mortar bank.
Ally Bank, for instance, doesn't let you make any money-related transactions on federal holidays. The online banking platform Chime also has a list of holidays when it can't process direct deposits.
Transactions at brick-and-mortar banks like Chase, Wells Fargo, and Bank of America won't be processed until the next business day. Business days are weekdays when branches are in operation.
So, instead of hinging on a lagging direct deposit, you may want to come up with a backup plan in case the transaction gets delayed.
Where can I get cash when banks are closed?
Branches are closed on federal holidays, but ATMs aren't. If you have a debit or ATM card, you can still use a machine to take out cash during the holidays.
If you're out of town, you can also use a debit card to get cash back at a store if you don't have any free ATMs nearby. That way, you don't have to pay an out-of-network ATM fee if your bank doesn't reimburse charges.
How can I cash a personal check when banks are closed?
If you receive a personal check during the holidays, there are a few roundabout ways access to your money quickly.
You can cash the check out at a store if you need money in a pinch.
Some ATMs let you cash or deposit checks, but you may already need to have those funds in your account. If your bank's ATM network doesn't let you make check transactions, you can deposit the check using your bank's online or mobile features, then cash your check out using an ATM.
Funds likely won't be available right away, so this alternative works best if you prefer to have money safe in your account and don't mind waiting a day or two.
What are federal and state bank holidays?
Federal bank holidays are days that the Federal Reserve closes. Most banks take federal holidays off, and any transactions or automated bill payments that would go through on federal bank holidays are generally delayed.
State bank holidays function similarly, but they're decided on a state or local level. An example of this is Inauguration Day, on which banks in the Washington, D.C., metropolitan area might close, or Patriot Day in Massachusetts. Your bank might be closed on these days, or they might operate with reduced hours. Credit unions might be more likely to close on state holidays.
How can I tell if my bank is closed for the holidays?
The easiest way to tell if your bank is closed for the holidays is to visit their website. Their homepage might have a notice for upcoming closures or reduced hours, and their website will almost definitely have a holiday calendar letting you know the days it will be closed.
If you can't find the information you're looking for online or if you want to be extra certain your bank isn't closed, you can call their customer service line for help. Customer service lines can also be helpful if you're interested in finding out local branch hours.
