Is Your Bank Open for Christmas? Find Out Here

Find out if your bank is open for Christmas 2019.

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 holiday 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 on Christmas Day.

Read on to find out which banks are open during the Christmas holiday:

Banks Open on Christmas Day

Christmas is a standard Federal Reserve Bank holiday and the last bank holiday for 2019, so all banks will be closed on Dec. 25, Christmas Day.

See More: Are Banks Closed Today? See Full List of All Bank Holidays

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 Bank: Branches open from 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 National Bank: Branches open 9 a.m. to 2 p.m.
  • KeyBank: Branches open 9 a.m. to 1 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 Bank: Branches open 9 a.m. to 12 p.m.**
  • Santander Bank: Branches open 9 a.m. to 3 p.m.
  • SunTrust Bank: 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 1 p.m.
  • US Bank: Branches open 10 a.m. to 2 p.m., but widely varies
  • Veritex Community Bank: Varies from branch to branch, with some branches closing
  • Wells Fargo: Branches open 9 a.m. to 3 p.m.**

 

Most banks observe pre-holidays with operating hours that differ from their usual schedules, so be sure to call your local branch to confirm its hours of operation on Christmas Eve.

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Find Out: The Most and Least Affordable Places To Spend Your Holiday Vacation

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 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 like Venmo — or write you a check you can deposit into an ATM — so you can withdraw the funds.

You can also use a money order to access funds. Even if your bank closes early on Christmas Eve, Walmart stores can provide money orders, and they’re open later than banks on Christmas Eve. But Walmart will only cash MoneyGram money orders.

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Learn: What is a Christmas Club Account?

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. Keep a lookout for these upcoming 2020 federal holidays.

2020 Federal Holidays
HolidayDate
New Year’s DayJan. 1
Martin Luther King Jr. DayJan. 20
Presidents DayFeb. 17
Memorial DayMay 25
Independence DayJuly 4
Labor DaySept. 7
Indigenous Peoples DayOct .12
Veterans DayNov. 11
Thanksgiving DayNov. 26
Christmas DayDec. 25

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

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Taylor Bell contributed to the reporting of this article.

Bank hours vary by location and are subject to change. Always call your local branch to confirm.

**Branch(es) did not have final holiday schedule when called.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

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.