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 anytime they want, including Saturday and Sunday. However, just about all banks in the U.S. close to observe federal holidays.

                By                    Joel Anderson
  • Bank Holidays
  • Holidays Banks Are Closed
  • Columbus Day
  • If Your Bank Is Closed

Special circumstances might also cause banks to shut their doors, such as the COVID-19 pandemic. Because of social distancing rules imposed during the pandemic, many banks closed branches or implemented rules on when and how customers can visit a branch, and some are still operating with limited hours or closed branches. The best way to find out when a bank is open is to contact it directly or check its website.

You might be wondering which national holidays banks in the U.S. observe. Keep reading to learn more.

More From Your Money: Choose a high-interest saving, checking, CD, or investing account from our list of top banks to start saving today.

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 U.S. Federal Reserve, which outlines the 10 federal holidays that are also banking holidays. Here’s a quick look:

  • New Year’s Day
  • Martin Luther King Jr. Day (Birthday of Martin Luther King Jr.)
  • President’s Day (Washington’s Birthday)
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus 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. Easter, another major holiday, always falls on a Sunday, so most banks are closed anyway.

When holidays fall on a Saturday, banks typically close the preceding Friday. When holidays fall on a Sunday, banks close the following Monday.

What Holidays Are Banks Closed?

If you find yourself wondering if there are any banks open today, here’s a quick look at holidays when most banks will be closed for 2022 through 2023:

Are Banks Open or Closed on Columbus Day?

Columbus Day — recognized as Indigenous Peoples’ Day is some states — is a Federal Reserve holiday, so most banks will be closed on Monday, Oct. 10.

What To Do If Your Bank Is Closed

Even if your bank branch is closed, there are a few ways to take care of most of your banking needs. The easiest option is to access your online bank account or use the bank’s mobile app. Thanks to the popularity of online and mobile banking, a number of online-only banks offer a full range of products and services that let you handle most of the banking tasks you could at a branch, including transferring money and making deposits.

Another option is to visit an ATM. 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. You can also make deposits at most in-network ATMs and even some that are out of your bank’s network.

Grocery Store Bank Branches

Finally, 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.

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

  • Best Banks
  • Best Savings Accounts
  • Best Checking Accounts
  • Best Online Banks
  • Best CD Rates
  • Best Credit Unions
  • Best Regional Banks
  • Best Neobanks
  • Best Online and Neobank Savings Accounts

Information is accurate as of Dec. 28, 2022.