American Express Hours: Full Schedule and 2025 Holidays

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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 in 2025.

Is American Express Open on Holidays?

Yes. American Express National Bank is open every day of the year, including federal holidays. Because it’s a fully online bank, you can manage your account 24 hours a day, seven days a week through the website or mobile app.

Example: Even when traditional banks close for holidays, you can still log in to American Express Online Banking to check your balance, transfer funds or open a new CD.

American Express 2025 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 2025 federal holiday schedule:

According to the U.S. Office of Personnel Management, there are 11 federal holidays in 2025, but online-only institutions like American Express typically remain accessible through every one of them.

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

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

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

Example: If you initiate a transfer on a federal holiday, it will process through American Express immediately, though settlement with another bank may occur the next business day.

Local Branch Hours May Vary

American Express National Bank has no physical branch locations, which means your banking is never limited by branch hours. All services are handled online, through the mobile app or by phone.

American Express Regular Business Hours

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

According to FDIC data, more than 80% of U.S. consumers use digital banking, and online banks like Amex have made around-the-clock access the new normal for personal savings.

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)
• Website: americanexpress.com
• 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.

Example: If your paycheck or external transfer falls on a holiday, expect it to post as soon as the receiving bank reopens — while your Amex account remains accessible throughout.

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All holiday hours were confirmed as of Nov. 12, 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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