Are Banks Open Today? See Full List of All Bank Holidays

Not knowing which banks are open on holidays can be frustrating, especially if you need to deposit a check or inquire about a loan, only to discover that your branch is closed. Because banks are private enterprises, they can choose to remain open just about any time they want, including Saturday and Sunday. However, just about all banks in the U.S. close to observe federal holidays such as Thanksgiving.

If you’re wondering whether banks are open today, here’s what you need to know.

What National Holidays Are Also Bank Holidays?

You might be wondering which national holidays banks in the U.S. observe. Each bank can set its own schedule, but most adhere to the federal holiday calendar observed by the Federal Reserve, which outlines the 11 federal holidays that are also banking holidays. Here’s a quick look:

• New Year’s Day
• Martin Luther King Jr. Day
• Presidents Day
• Memorial Day
• Juneteenth
• Independence Day
• Labor Day
• Columbus Day/Indigenous Peoples Day
• Veterans Day
• Thanksgiving Day
• Christmas Day

You can expect your bank to close its physical branches on these holidays every year, though the actual dates for most holidays change from year to year. The exceptions are New Year’s Day, which always falls on Jan. 1; Juneteenth, which is June 19; Independence Day is July 4; Veterans Day is Nov. 11 and Christmas Day is Dec. 25.

Some banks also close or have reduced hours on Christmas Eve and New Year’s Eve. Easter, another major holiday, always falls on a Sunday, so most banks are closed anyway.

When holidays fall on a Saturday, banks typically close the preceding Friday. When holidays fall on a Sunday, banks close the following Monday.

What Holidays Are Banks Closed?

You might be wondering: Are banks closed today? Here’s a quick look at holidays when most banks will be closed and when they’ll be open for 2023:

What To Do If Your Bank Is Closed

Even if your bank branch is closed, there are a few ways to take care of most of the banking tasks you might otherwise handle at a branch. The easiest option is to use your bank’s online banking platform or its mobile banking app to handle tasks such as transferring money and making deposits.

Another option is to visit an ATM. Although the functionality of each machine is different, almost all will let you make withdrawals regardless of whether they’re in your bank’s ATM network — just be aware that you may have to pay a fee if you use an out-of-network ATM. You can also make deposits at most in-network ATMs and even some that are out of your bank’s network.

Grocery Store Bank Branches

Finally, you can also inquire about whether or not there are certain branches remaining open even on holidays. Bank branches located inside of a grocery store, for example, will often keep the same hours as the store, even if most of that bank’s other branches are closed. So check to see if there are any nearby store locations that you can visit during bank holidays.

Caitlyn Moorhead, Cynthia Measom and Cameron Cole contributed to the reporting for this article.