Curious if Banks Are Open Today? Find 2024-2025 Holiday Hours Here!

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• Most banks abide by the Federal Reserve’s holiday schedule.
• Online banks don’t process transactions on holidays.
• Need cash? ATMs are still your best friend on holidays!

As holiday weekends roll around, the hustle and bustle can turn into a chaotic whirlwind—family feasts, frantic shopping sprees, and endless decorations. In the midst of all this frenzy, keeping track of your bank’s holiday hours can slip your mind. But don’t let a bank closure put a damper on your well-deserved break, especially if you need access to your funds!

We’ve put together a handy guide detailing the federal holidays when most banks—yes, including the top banks in the U.S.—will be closed. Plus, we’ve got quick alternatives for getting your hands on cash when you need it most!

Is Christmas Eve a bank holiday?

While Christmas Eve isn’t officially a bank holiday, many banks still choose to close early. For instance, Truist will shut its doors at 2 p.m. on Christmas Eve. Don’t forget that online transactions could see some delays, so if you’re planning to handle last-minute banking or holiday shopping, be sure to check your bank’s hours ahead of time!

Are banks open on Christmas Day?

Nope! Banks are typically closed on Christmas Day, which is recognized as a bank holiday. This means you can expect most financial institutions to remain shuttered. If you’re looking to transfer funds, be prepared for some delays. However, feel free to use ATMs and check your online balance! This year, Christmas falls on a Wednesday, so you can expect banks to reopen on Thursday, December 26.

When are banks closed?

All banks and financial institutions close their doors on federal holidays. Don’t fret; most banks have holiday schedules posted on their websites to help you plan ahead!

For the brick-and-mortar folks, national banks often list their holiday closures in their FAQ section. Some, like TD Bank and Regions Bank, even have dedicated pages just for their holiday hours. During these times, branches may shut down completely or adjust their operating hours, and customer service availability can change depending on where you bank.

If you can’t find a holiday schedule online, your best bet is to call your local branch to get the scoop.

Online banks don’t have physical locations, but holidays can still impact your transactions. When an online bank recognizes a holiday, expect delays on transactions until the next business day.

Most customer service hours for online banks remain the same, but there are exceptions. For instance, Capital One 360 offers support on most holidays, except for Independence Day, Thanksgiving Day, Christmas Day, and New Year’s Day.

Most financial institutions follow the Federal Reserve’s holiday schedule. Here’s a sneak peek at the holiday calendar for 2025.

When a holiday falls on a Saturday, banks will typically remain open on Friday. However, if a holiday lands on a Sunday, brace yourself for bank closures the following Monday.

Do transactions go through on bank holidays?

Most transactions just don’t process on bank holidays, no matter if you’re with a traditional branch or an online bank.

For example, Ally Bank halts all monetary transactions on federal holidays, and Chime has a similar policy for direct deposits. If you’re banking with brick-and-mortar institutions like Chase, Wells Fargo, or Bank of America, transactions won’t process until the next business day. Remember, business days are those glorious weekdays when branches are actually open!

So, instead of relying on potentially sluggish direct deposits, it might be wise to have a backup plan in case you encounter delays.

Where can I get cash when banks are closed?

While branches might be closed on federal holidays, ATMs are still up and running! If you have a debit or ATM card, you can access cash whenever you need it.

If you’re traveling and can’t find a free ATM nearby, you can also use your debit card to get cash back at many stores. This is a great way to avoid those pesky out-of-network ATM fees—especially if your bank doesn’t cover those charges.

How can I cash a personal check when banks are closed?

If you find yourself with a personal check during the holidays, don’t worry—we’ve got some creative solutions for you!

For urgent needs, you can cash your check at certain stores. Some ATMs also allow you to cash or deposit checks, but you might need to have those funds already in your account. If your bank’s ATMs don’t support check transactions, consider depositing the check using your bank’s online or mobile banking features, followed by withdrawing the cash through an ATM.

Just keep in mind, funds typically won’t be available immediately, so this option works best if you prefer to keep your money secure in your account and can afford to wait a day or two.