Are Banks Open Today? See Full List of All Bank Holidays in 2024

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Not knowing which banks are open on holidays can be frustrating, especially if you need to deposit a check or inquire about a loan, only to discover that your branch is closed. Because banks are private enterprises, they can choose to remain open just about any time they want, including Saturday and Sunday. However, just about all banks in the U.S. close to observe federal holidays, such as Juneteenth, which falls on Wednesday, June 19.

If you’re wondering whether banks are open today, here’s what you need to know.

What National Holidays Are Also Bank Holidays?

Each bank can set its own schedule, but most adhere to the federal holiday calendar observed by the Federal Reserve, which outlines the 11 federal holidays that are also banking holidays. Here’s a quick look:

• New Year’s Day
• Martin Luther King Jr. Day
• Presidents Day
• Memorial Day
• Juneteenth
• Independence Day
• Labor Day
• Columbus Day/Indigenous Peoples Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

You can expect your bank to close its physical branches on these holidays every year, though the actual dates for most holidays change from year to year. The exceptions are New Year’s Day, which always falls on Jan. 1; Juneteenth, which is June 19; Independence Day is July 4; Veterans Day is Nov. 11 and Christmas Day is Dec. 25.

Some banks also close or have reduced hours on Christmas Eve and New Year’s Eve. However, banks are typically open during their regular hours of operation the day after Christmas.

When holidays fall on a Saturday, banks typically close the preceding Friday. When holidays fall on a Sunday, banks close the following Monday. Easter is not observed by the Federal Reserve, but because it always falls on a Sunday, most banks are closed anyway.

What Holidays Are Banks Closed?

Wondering “Are banks closed today?” is common, especially around holidays. Here’s a quick look at holidays when most banks will be closed and when they’ll be open for 2024:

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Making Bill Payments on Bank Holidays

Keep in mind that if you are paying a bill or mortgage payment, it may not be processed when the bank is closed, though your payment will go through on the next open business day.

Banking Options on Holidays

Even if your bank branch is closed, there are a few ways to take care of most of the banking tasks you might otherwise handle at a branch. Here’s a look at alternatives to consider when your local branch is closed.

Online or Mobile Banking

The easiest option is to use your bank’s online banking platform or its mobile banking app to handle tasks such as transferring money and making deposits.

ATMs

Although the functionality of each machine is different, almost all will let you make withdrawals regardless of whether they’re in your bank’s ATM network — just be aware that you may have to pay a fee if you use an out-of-network ATM. You can also make deposits at most in-network ATMs.

Grocery Store Bank Branches

You can also inquire about whether or not there are certain branches remaining open even on holidays. Bank branches located inside of a grocery store, for example, will often keep the same hours as the store, even if most of that bank’s other branches are closed. So check to see if there are any nearby store locations that you can visit during bank holidays.

Caitlyn Moorhead, Cynthia Measom and Cameron Cole contributed to the reporting for this article.

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