Are Banks Open on Christmas Eve and Christmas Day?

Christmas online banking
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When you’re rushing around until the last minute trying to check off every item on your holiday to-do list, getting to the bank might fall to the bottom. So it’s always helpful to know what’s open over the Christmas holidays in case you have last-minute banking needs. Although most banks aren’t closed on Christmas Eve, you probably won’t be able to bank at a branch on Christmas Day.

Read on to find out which banks are open during the Christmas holidays.

Are Banks Open on Christmas Day?

Christmas is a standard Federal Reserve bank holiday and the last bank holiday for 2021, so all banks will be closed on Dec. 25, Christmas Day.

Banks Open on Christmas Eve

Although yours might be closed on Christmas Day, some bank branches will be open for limited or regular hours on Christmas Eve. Here are some banks that will be open on Christmas Eve, Dec. 24:

  • Bank of America: Most branches open 9 a.m. to 2 p.m.
  • Bank of the West: Branches open 9 a.m. to 2 p.m.
  • BBVA: Branches open 9 a.m. to 1 p.m.
  • BB&T: Branches open 9 a.m. to 2 p.m.
  • BMO Harris Bank: Branches open 8 a.m to 12-3 p.m., depending on location
  • Capital One: Branches open 9 a.m to 2 p.m.
  • Chase: Branches open 9 a.m. to 3 p.m.
  • Citizens Bank: Branches open 10 a.m. to 2-3 p.m., depending on location
  • Fifth Third Bank: Branches open 9 a.m. to 2 p.m.
  • Huntington: Branches open 9 a.m. to 2 p.m.
  • KeyBank: Branches open 9 a.m. to 2 p.m.
  • People’s United Bank: Branches open 9 a.m. to 3 p.m.
  • PNC Bank: Branches open 11 a.m. to 2 p.m.
  • Regions: Branches open 9 a.m. to 12 p.m.
  • Santander Bank: Branches open 9 a.m. to 3 p.m.
  • SunTrust: Branches open 9 a.m. to 2 p.m.
  • TD Bank: Many branches open 8 a.m. to 3 p.m.
  • UBank: Branches open 9 a.m. to 1 p.m.
  • Union Bank: Many branches open 9 a.m. to 3 p.m.
  • U.S. Bank: Branches open 10 a.m. to 12 p.m., but hours vary widely
  • Wells Fargo: Branches open 9 a.m. to 2 p.m.
A Better Way to Bank

Most banks observe pre-holidays with operating hours that differ from their usual schedules. Also, some banks have closed certain branch lobbies or imposed restrictions on the types of transactions you can make due to the pandemic. Be sure to call your local branch to confirm its hours of operation on Christmas Eve.

How Can I Access My Money If My Bank Is Closed?

Just because your bank closes early doesn’t mean you won’t be able to access your funds. Many ATMs are available 24/7 and only require that you know your PIN. In the event that your checking account balance is running low but a friend or family member can loan you enough money to get you through the holiday, have them send you a payment through a mobile banking app or a peer-to-peer payment app like Venmo.

If you need to get a money order, you still have options even if your bank closes early on Christmas Eve. Walmart, for example, offers money orders at its Supercenter and Neighborhood Market stores, which are generally open later than banks on Christmas Eve. But Walmart will only cash MoneyGram money orders.

2022 Bank Holidays

Banks shuttering for a federal holiday means you’ll need to do some planning if you bank at brick and mortar locations often. Here’s a complete list of 2022 federal bank holidays to help you schedule your visits.

A Better Way to Bank
2022 Bank Holidays
Holiday Date
New Year’s Day Jan. 1
Martin Luther King Jr. Day Jan 17
Presidents Day Feb 21
Memorial Day May 31
Independence Day July 4
Labor Day Sept 5
Columbus Day Oct 10
Veterans Day Nov 11
Thanksgiving Day Nov 24
Christmas Day Dec 25

Holiday banking can be a little tricky, especially during a pandemic. But some advance planning and research into your bank’s Christmas schedule will help you keep your finances on track this holiday season.

Taylor Bell and Daria Uhlig contributed to the reporting for this article.

Bank hours vary by location and are subject to change. Always call your local branch to confirm. Information is accurate as of Dec. 24, 2021

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About the Author

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.
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