American Express Hours: Full Schedule and 2025 Holidays

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American Express® is best known as a leading global credit card company, but it also operates American Express National Bank, Member FDIC, offering high-yield savings accounts and certificates of deposit.

If you’re wondering when you can reach customer support or make transfers, here’s everything you need to know about American Express hours and holiday availability for 2025.

Is American Express Open on Holidays?

Yes. American Express National Bank is open year-round since it’s an online-only bank with no physical branches. You can access your account anytime through the Amex website or mobile app.

According to the U.S. Office of Personnel Management, there are 11 federal holidays in 2025. Unlike most banks, American Express doesn’t close on these days because it operates exclusively online. Transactions may still take one or two business days to post, depending on the transfer type.

American Express Normal Hours

Because American Express National Bank is digital, there are no standard branch hours. You can access your accounts online anytime, day or night.

Even though American Express operates around the clock, business days for transfers are Monday through Friday, excluding federal holidays.

The Federal Reserve reports that over 80% of U.S. adults now use mobile or online banking regularly, making Amex’s digital model accessible to nearly all consumers.

American Express 2025 Holiday Schedule

While American Express itself doesn’t close, here’s the official federal holiday calendar to keep in mind for transaction processing times:

American Express reported $60 billion in revenue in 2024, serving more than 133 million cardholders worldwide. Its digital banking division continues to grow as customers seek flexible, always-on access to savings and support.

How To Bank With American Express After Hours or on Holidays

You can manage your American Express accounts anytime with an internet connection.

• Website: Log in at americanexpress.com
• Mobile App: Available on the App Store and Google Play
• Transfers: Transactions after 7 p.m. ET or on holidays post the next business day
• Customer Support: Accessible through phone and chat

Based on the FDIC’s 2023 National Survey of Unbanked and Underbanked Households, almost half (48.3%) of banked households primarily used mobile banking and overall, digital and online banking were preferred over in-person tellers, showing how Amex’s 24/7 platform fits modern consumer habits.

How To Contact American Express Customer Service

You can contact American Express in several ways:

• Phone: 1-800-446-6307
• Mobile App Chat: Tap the Chat icon for live support
• Mail: American Express National Bank, P.O. Box 30384, Salt Lake City, UT 84130

Support is available every day, including weekends and holidays.

The Bottom Line

American Express never truly closes. Whether it’s a weekend or a federal holiday, you can bank online, check balances or transfer funds 24/7. With around-the-clock customer support, Amex ensures you can manage your money anytime, anywhere.

Next: Compare online-only banks like Ally Bank and Marcus by Goldman Sachs to see which one offers the best savings rates and digital tools.

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Hours are subject to change and may vary by branch.

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