Are Banks Closed on Juneteenth?

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Juneteenth, which commemorates the end of slavery in the U.S., is a federal holiday observed on June 19 each year. Most banks follow the Federal Reserve’s holiday schedule, which means branches will likely be closed — or operating with limited hours. Still, you have options for handling time-sensitive financial tasks, even if your local bank shuts its doors.

Are Banks Closed on Juneteenth?

Most banks close on Juneteenth, although some might conduct limited hours. This year, Juneteenth falls on Thursday, June 19.

If Juneteenth or any federal holiday falls on a Saturday, the Federal Reserve closes in observance on Friday. If a holiday falls on a Sunday, the central bank closes on Monday instead. 

Are Banks Open on June 18? Juneteenth Eve Bank Hours

Unlike Christmas and New Year’s, the day before Juneteenth isn’t celebrated as the eve of a holiday. The Federal Reserve — and therefore most banks — are open for business on Wednesday, June 18. 

Always confirm with your local bank branch, as hours can vary, even within the same bank. 

Banking Delays To Expect on Juneteenth

Banks route electronic transfers through the Federal Reserve, so even if your branch opens on Juneteenth, you can expect the following to happen: 

• No ACH transactions processed
• Online transfers may not go through
• Wire transfers and check deposits will be held until the next business day

Keep In Mind

If you manage investments through your bank’s brokerage account, remember that U.S. stock markets close on federal holidays, like Juneteenth, so you won’t be able to trade until the next day.

In short, your bank will probably close its physical locations on Juneteenth, and even if they open for a few hours, services will be limited. 

However, you can always use your bank’s app, ATMs and website for all services that don’t run through the Federal Reserve.

How To Access Your Money on Juneteenth

Even with branches closed, you can still manage many banking tasks in the following ways:

• Use 24/7 ATMs: Withdraw cash, transfer funds between accounts or check balances
• Your bank’s mobile app: Deposit checks and manage bill pay
• Retail stores or grocery chains: Check cashing services if you need physical cash in a pinch

Pro Tip

Keep a buffer in your checking account to cover bills or payments that may hit during the holiday.

Bank Holiday Schedule for 2025

The following table offers a quick reference for bank holidays and closures throughout the year. Use this schedule to plan your banking needs around holidays when branches may be closed and avoid unpleasant surprises.

Elizabeth Constantineau contributed to the reporting for this article.

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