Are Banks Open Today? 2026 Holiday Hours
Your complete guide to bank closures, weekend rules, and where to get cash when branches are closed.
Most banks follow the Federal Reserve’s holiday schedule, not your local calendar. That means 11 federal holidays when physical branches shut down. The rules change when a holiday falls on a weekend.
Saturday holiday: The Federal Reserve remains open but the Board of Governors closes the previous Friday.
Sunday holiday: Banks close the following Monday.
2026 example: Independence Day (July 4) is a Saturday. Most banks observe the holiday on Friday, July 3.
You’re standing outside your bank. The lights are off. A handwritten sign says “Closed for Holiday.” You check your phone. It’s not Christmas. It’s not July 4.
Columbus Day. Of course.
The difference between a smooth banking week and frustrating conflicts is knowing exactly which days banks close their doors. I’ve mapped every federal holiday for 2026, including major bank exceptions and where you can still access cash.
- 11 federal holidays in 2026: New Year’s Day, MLK Day, Presidents’ Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, Christmas.
- Weekend holidays shift closure dates. Saturday holidays often move to Friday; Sunday holidays move to Monday.
- Chase stays open on Columbus Day. Most banks close, but Chase keeps branches open.
- Your money never sleeps. ATMs, mobile banking, and online transfers work 24/7 even when branches are closed.
- 2026 has two major Saturday holidays: Independence Day (July 4) and Christmas (Dec 25). Observed closures differ.
2026 Holiday Schedule: When Will Banks Be Closed?
Banks close on days the Federal Reserve marks as holidays. Here’s the complete 2026 list.
| Holiday | Date in 2026 | Day of Week | Banks Closed? |
|---|---|---|---|
| New Year’s Day | January 1 | Thursday | ✅ Yes |
| Martin Luther King Jr. Day | January 19 | Monday | ✅ Yes |
| Presidents’ Day | February 16 | Monday | ✅ Yes |
| Memorial Day | May 25 | Monday | ✅ Yes |
| Juneteenth | June 19 | Friday | ✅ Yes |
| Independence Day | July 4 | Saturday | ⚠️ Observed Friday, July 3 |
| Labor Day | September 7 | Monday | ✅ Yes |
| Columbus Day | October 12 | Monday | ⚠️ Most closed; Chase open |
| Veterans Day | November 11 | Wednesday | ✅ Yes |
| Thanksgiving | November 26 | Thursday | ✅ Yes |
| Christmas | December 25 | Friday | ✅ Yes |
Source: Federal Reserve holiday schedule
What If the Holiday Falls on a Weekend?
Saturday holiday: The Federal Reserve is open, but the Board of Governors closes the previous Friday. Most banks observe the holiday on Friday.
Sunday holiday: Banks close the following Monday. The Federal Reserve also closes Monday.
2026 weekend holidays:
- July 4 (Saturday): Most banks observe on Friday, July 3. Board of Governors closed July 3. Federal Reserve Banks open July 4.
- Dec 25 (Friday): No weekend shift needed. Standard closure.
Major Bank Holiday Policies: Who Closes When?
Chase Bank
Chase is the largest U.S. bank and has one major exception: Chase stays open on Columbus Day (Indigenous Peoples’ Day) when most other banks close.
Chase 2026 closure dates: New Year’s Day, MLK Day, Presidents’ Day, Memorial Day, Juneteenth, Independence Day (observed July 3), Labor Day, Veterans Day, Thanksgiving, Christmas. Columbus Day is a regular operating day.
New Year’s Eve hours: Chase branches close at 3:00 p.m. local time on Dec 31.
Bank of America
Bank of America follows the federal holiday schedule closely, closing all U.S. branches on all 11 federal holidays. On those days, no in-person services are available, but ATMs and online banking remain functional.
Wells Fargo, Citibank, PNC, Capital One, Truist
These banks also close for all 11 federal holidays. Some may offer limited drive-thru services on certain holidays (e.g., MLK Day). Call ahead to confirm.
Use our Holiday Banking Schedule Tool to check whether your specific bank branch is open today. Enter your bank name and ZIP code — we’ll show real-time holiday hours and the nearest open ATM.
2026 Holiday Calendar: Month by Month Breakdown
January
New Year’s Day (Jan 1, Thu): All banks closed. MLK Day (Jan 19, Mon): All banks closed.
February
Presidents’ Day (Feb 16, Mon): All banks closed.
March / April
Good Friday (April 3): Most banks open with normal hours. Major banks (Chase, Wells Fargo, BofA, Citi) operate as usual.
May
Memorial Day (May 25, Mon): All banks closed.
June
Juneteenth (June 19, Fri): All banks closed.
July
Independence Day (July 4, Sat): Observed Friday, July 3. Most banks close Friday. Federal Reserve Banks open Saturday, but Board of Governors closed Friday.
September
Labor Day (Sept 7, Mon): All banks closed.
October
Columbus Day (Oct 12, Mon): Most banks closed. Chase remains open. Stock market open, bond market closed.
November
Veterans Day (Nov 11, Wed): All banks closed. Thanksgiving (Nov 26, Thu): All banks closed.
December
Christmas (Dec 25, Fri): All banks closed. New Year’s Eve (Dec 31, Thu): Most banks close early (1:00–3:00 p.m.). Chase closes at 3:00 p.m. local time.
Do not schedule critical transactions for the Friday before a Monday holiday or the Tuesday after. When a bank holiday falls on Monday, the Federal Reserve’s ACH network shuts down. Direct deposits scheduled for Monday won’t post until Tuesday. Bill payments initiated Friday may not process until Wednesday. Fix: Initiate all transfers by Wednesday afternoon (2:00 p.m. local time). For Labor Day weekend (Sept 7), the last processing day is Friday, Sept 4. Any transfer on Saturday, Sept 5, won’t clear until Tuesday, Sept 8.
What Remains Available When Banks Close?
ATMs (24/7): All major banks maintain ATM access. Watch for out-of-network fees ($3–$5) and withdrawal limits ($300–$1,000/day). Some mall ATMs may be inaccessible if the mall closes.
Online & Mobile Banking: Check balances, transfer funds, deposit checks via mobile app, pay bills, use Zelle. Note: Scheduled payments and interbank transfers process on the next business day.
Phone Support: Most banks keep call centers open on federal holidays (8:00 a.m. – 8:00 p.m.), excluding Thanksgiving and Christmas.
In-Store Branches (Grocery Stores): Bank branches inside Kroger, Safeway, Walmart often follow store holiday hours — many remain open on bank holidays with reduced hours.
Common Mistakes to Avoid
1. Assuming your bank follows the stock market
Stock market and banks have different holiday schedules. Example: Good Friday — stock market closed, major banks open with normal hours.
2. Waiting until Friday to get cash before a Monday holiday
ATMs run out of cash by late afternoon on the last business day before a holiday. Withdraw by Thursday of holiday weeks (e.g., before MLK Day: by Jan 15).
3. Forgetting Saturday holidays are treated differently
When a holiday falls on Saturday, some banks close Friday, some keep Saturday hours. For July 4, 2026, call your local branch — don’t rely on national schedules.
4. Thinking “online banking” means instant transfers on holidays
ACH network shuts down on federal holidays. Transfers between banks, bill payments, and direct deposits process the next business day. Schedule payments for the business day before a holiday.
5. Showing up at a closed drive-thru on Juneteenth
Juneteenth (June 19) is a federal bank holiday — branches and drive-thrus are fully closed. Good Friday is not a bank holiday — drive-thrus are open.
When Are Banks OPEN on Federal Holidays? (Exceptions)
Columbus Day (Oct 12, 2026): Most banks closed. Chase Bank: Open (regular hours). Stock market open, bond market closed.
Good Friday (April 3, 2026): Most banks open (normal hours). Stock market closed, Federal Reserve open.
Veterans Day (Nov 11, 2026): Banks closed, stock market open.
Black Friday (day after Thanksgiving): Banks open (normal hours). Stock market open (early close 1:00 p.m. ET).
Comparison Table: Bank Holiday Policies by Institution (2026)
| Holiday | Chase | Bank of America | Wells Fargo | Citibank | PNC | Capital One |
|---|---|---|---|---|---|---|
| New Year’s Day (Jan 1) | Closed | Closed | Closed | Closed | Closed | Closed |
| MLK Day (Jan 19) | Closed | Closed | Closed | Closed | Closed | Closed |
| Presidents’ Day (Feb 16) | Closed | Closed | Closed | Closed | Closed | Closed |
| Memorial Day (May 25) | Closed | Closed | Closed | Closed | Closed | Closed |
| Juneteenth (June 19) | Closed | Closed | Closed | Closed | Closed | Closed |
| Independence Day (July 4) | Closed* | Closed* | Closed* | Closed* | Closed* | Closed* |
| Labor Day (Sept 7) | Closed | Closed | Closed | Closed | Closed | Closed |
| Columbus Day (Oct 12) | Open | Closed | Closed | Closed | Closed | Closed |
| Veterans Day (Nov 11) | Closed | Closed | Closed | Closed | Closed | Closed |
| Thanksgiving (Nov 26) | Closed | Closed | Closed | Closed | Closed | Closed |
| Christmas (Dec 25) | Closed | Closed | Closed | Closed | Closed | Closed |
| Good Friday (April 3) | Open | Open | Open | Open | Open | Open |
| New Year’s Eve (Dec 31) | Early close | Early close | Early close | Early close | Early close | Early close |
*Independence Day observed on Friday, July 3 for most banks.
Frequently Asked Questions (People Also Ask)
Q: Is Monday, January 19, 2026 (MLK Day) a bank holiday? Are banks open?
A: No. All major banks (Chase, BofA, Wells Fargo, Citi) are closed. ATMs and mobile banking remain available.
Q: Is February 16, 2026 (Presidents’ Day) a bank holiday?
A: Yes. Banks are closed. Post offices also closed, but retail stores are open.
Q: Is October 12, 2026 (Columbus Day) a bank holiday?
A: Most banks are closed, but Chase Bank remains open with regular hours. Stock market open, bond market closed.
Q: Is Good Friday a bank holiday? Are banks open?
A: No. Major banks (Chase, Wells Fargo, BofA, Citi, PNC) are open with normal hours. Stock market closes early.
Q: Is Veterans Day (Nov 11, 2026) a bank holiday?
A: Yes. Banks are closed. Stock market remains open for regular trading.
Q: What happens to my direct deposit if payday falls on a bank holiday?
A: Direct deposits process on the next business day. If payday is Monday, Jan 19 (MLK Day), the deposit posts Tuesday, Jan 20. Plan ahead.
Q: Can I deposit a check on a bank holiday using mobile deposit?
A: Yes. Most banks allow mobile check deposit 24/7, but funds may not be available until the next business day.
Q: Is Juneteenth a bank holiday?
A: Yes. Juneteenth (June 19) is a federal holiday. Banks are fully closed.
Q: Are banks open the day after Thanksgiving (Black Friday)?
A: Yes. Banks are open with normal hours. Black Friday is not a federal holiday.
Q: Are banks open on Christmas Eve 2026?
A: Most banks are open with reduced hours (usually closing between 12:00 p.m. and 1:00 p.m. local time). Call your local branch for exact hours.
Final Verdict
If you need in-person banking, plan around the 11 federal holidays when virtually every bank branch is closed. The worst days to need a teller are the Friday before a Monday holiday and the Tuesday after — long lines and low cash supplies.
If you just need access to your money, you’re fine. ATMs, mobile apps, and online banking never close. Just remember that interbank transfers won’t process until the next business day.
The golden rule: Before heading to your bank, check two things: (1) is it a federal holiday, and (2) does your specific bank make exceptions (like Chase on Columbus Day). When in doubt, call ahead. A 30-second phone call saves a 30-minute drive to a locked door.
