American Express Hours and Full 2026 Schedule

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American Express is best known for its credit cards, but it also operates American Express National Bank, Member FDIC, offering high-yield savings accounts and certificates of deposit (CDs).

Since it’s an entirely online bank, you might wonder whether it closes for federal holidays or operates on a standard schedule. Here’s everything you need to know about American Express hours, customer access and holiday operations.

American Express Regular Business Hours

Because American Express is fully digital, it doesn’t maintain traditional business hours. You can bank anytime, from anywhere.

American Express 2026 Holiday Schedule

Although American Express remains operational year-round, you may experience minor delays when transferring funds to or from other financial institutions that observe bank holidays.

Here’s the full 2026 federal holiday schedule:

What If You Need To Bank While Traditional Banks Are Closed?

Even if other banks close for holidays, you can always:

• Access your account online.
• Use the American Express app to transfer funds or check interest earnings.
• Schedule future transfers and automatic deposits.
• Contact customer service for assistance anytime.

How To Contact American Express

If you need help, you can reach American Express National Bank in several ways:

• Phone: 1-800-446-6307 — available 24/7
• Mobile app: Available for iOS and Android
• Mail: American Express National Bank, P.O. Box 30384, Salt Lake City, UT 84130

Customer service representatives are available every day, including weekends and holidays.

Final Tips for Banking With American Express

• Plan transfers early: External banks may delay processing during holidays.
• Use automation: Set up recurring transfers to stay on schedule.
• Track account activity: You can view transactions and interest accrual anytime.
• Leverage mobile tools: Manage your savings directly from your phone.

More on Bank Hours

• Ally Bank Hours
• Bank of America Hours
• Capital One Hours
• Chase Bank Hours
• PNC Bank Hours
• TD Bank Hours
• U.S. Bank Hours
• Wells Fargo Hours

All holiday hours were confirmed as of Dec. 26, 2025. Check with your local retailer to confirm specific hours. Hours and policies are subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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