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- Most banks follow the Federal Reserve’s holiday schedule.
- If you are part of an online bank, transactions are not processed on public holidays.
- You can still use an ATM if you need to withdraw cash or deposit a check on a holiday.
Once a holiday weekend rolls around, everything can become a frantic race – family reunions, last-minute errands, ever-changing holiday decorations. It’s easy to lose sight of the days your bank is closed, but you also don’t want that to affect your day off if you need to access money in one of your bank accounts.
We’ve included a list of holidays when most banks close, as well as alternatives for accessing cash if you need cash fast. We also maintain a list of the best banks in the United States.
Are the banks open on Good Friday?
Good Friday, April 7, is not included in the Federal Reserve System holiday schedule. Most banks and credit unions will remain open as it is not a public holiday.
That said, if you do business with a local financial institution, you might consider checking the opening hours of your nearest branch. Some institutions – for example, ABD Federal Credit Union and Interamerican Bank – are closing their branches early due to Good Friday.
Is Easter a public holiday?
Easter is not considered a holiday because it is not included in the Federal Reserve’s holiday schedule. But if a physical bank is usually open on Sundays, it may be closed to observe the holidays. For example, TD Bank and Republic Bank branches will be closed for Easter Sunday.
Are the banks open on Easter Monday?
Most banks and credit unions in the United States will remain open during regular business hours on April 10.
When are the banks closed?
Financial institutions close on federal holidays. Most have a vacation listing on their website to let you know and prepare ahead of time.
Some physical banks have a list in the FAQ section of the website. Others, like TD Bank and Regions Bank, have separate pages with holiday schedules. During these holidays, physical banks will close all their branches or change their opening hours. Customer service hours may also vary depending on your bank.
Online banks usually don’t have physical branches, but you can still be affected. When an online bank observes a public holiday, transactions may be delayed until the following day.
Customer service availability will generally remain the same with online banks, but there are a few exceptions. Capital One 360 provides customer service for all holidays except July 4, Thanksgiving Day, Christmas Day and New Year’s Day.
Most financial institutions follow the Federal Reserve’s holiday schedule. Here is the vacation schedule for 2022 and 2023.
*Note that if a public holiday falls on a Saturday, the bank will still be open on a Friday. But if a public holiday falls on a Sunday, the bank will be closed on the following Monday.
Do transactions take place on public holidays?
Most bank transactions are not processed on public holidays, whether you use an online or physical bank.
Ally Bank, for example, does not allow you to conduct money-related transactions on federal holidays. Online banking platform Chime also has a list of holidays when it cannot process direct deposits.
Transactions at physical banks such as Chase, Wells Fargo and Bank of America will not be processed until the next business day. Working days are weekdays when branches are open.
So, instead of depending on a late direct deposit, you might want to come up with a backup plan in case the transaction is delayed.
Where can I withdraw money when the banks are closed?
Branches are closed on federal holidays, but ATMs are not. If you have a debit or ATM card, you can still use a machine to withdraw cash while on vacation.
If you’re out of town, you can also use a debit card to pick up cash at a store if you don’t have free ATMs nearby. This way, you don’t have to pay out-of-network ATM fees if your bank doesn’t refund the fees.
How can I cash a personal check when the banks are closed?
If you receive a personal check during the holidays, there are a few roundabout ways to quickly access your cash.
You can cash the check at a store if you need the money on the fly.
Some ATMs allow you to cash or deposit checks, but you may need to have these funds already in your account. If your bank’s ATM network does not allow you to perform check transactions, you can deposit the check using your bank’s online or mobile features and then cash your check using an ATM.
Funds probably won’t be available right away, so this alternative works best if you’d rather have money safe in your account and don’t mind waiting a day or two.