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What Holidays Are The Banks Closed
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Most banks and credit unions have a holiday schedule on their website so you can prepare ahead of time. Betsie Van Der Meer/Getty Images
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Once the holiday weekend rolls around, everything can become hectic—family gatherings, last-minute shopping trips, the ever-changing holiday decorations. It’s easy to keep track of which days your bank is closed, but if you need to access money in one of your bank accounts, you also don’t want it to affect your day off.
We’ve included a list of holidays when most banks are closed, as well as options for getting cash if you need it fast.
Financial institutions are closed on federal holidays. Most have a holiday list on their website to keep you informed and prepared in advance.
Some brick-and-mortar banks, such as Bank of America and Wells Fargo, have a list in the website’s FAQ section. Others, such as TD Bank and Regions Bank, have separate pages with holidays. Brick-and-mortar banks will close all their branches or change their business hours during these holidays. Customer service opening hours may also vary depending on where you bank.
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Quick tip: If the bank doesn’t have a holiday schedule on its website, it’s best to call your nearest branch to find out which holidays it observes.
Online banks usually don’t have physical offices, but you can still make an impact. If there is a holiday in the online bank, transactions may be postponed until the next day.
Customer service availability will usually remain the same as online banking, but there are some exceptions. Capital One 360 offers customer service support for all holidays except the Fourth of July, Thanksgiving, Christmas Day and New Year’s Day.
*Please note that if a holiday falls on a Saturday, the bank is still open on Friday. However, if the holiday falls on a Sunday, the bank will be closed on the following Monday.
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Whether you use online banking or a brick-and-mortar bank, most bank transactions are not processed on holidays.
For example, Ally Bank does not allow any transactions involving money on federal holidays. Online banking platform Chime also has a list of holidays where it cannot process direct deposits.
At brick-and-mortar banks like Chase, Wells Fargo, and Bank of America, transactions won’t be processed until the next business day. The working days of the branches are working days.
So instead of sticking with delayed direct deposit, you may want to have a backup plan in case the transaction is delayed.
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Branches are closed on federal holidays, but ATMs are not. If you have a debit or ATM card, you can still use an ATM to withdraw cash while on vacation.
If you’re out of town and don’t have a free ATM nearby, you can also use a debit card to get cash back at a store. That way, you won’t have to pay out-of-network ATM fees if your bank doesn’t charge back.
If you receive a personal check during the holidays, there are several ways to get your money quickly.
Some ATMs allow you to cash or deposit checks, but you may need to have the funds in your account. If your bank’s ATM network doesn’t allow you to make check transactions, you can deposit a check using your bank’s online or mobile features and then cash your check at an ATM.
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It’s likely that the funds won’t be available immediately, so this option works best if you prefer the money to be safe in your account and don’t mind waiting a day or two.
Sophia Acevedo is a junior banking reporter at Insider covering banking and savings for Personal Finance Insider. He is also a Certified Personal Finance Educator (CEPF). He joined Insider in July 2021 as a member of the Personal Finance Insider Reviews team. Before joining the Insider team, he was a freelancer based in Los Angeles and briefly worked in publishing. He also graduated from California State University Fullerton in 2020. You can reach her on Twitter at @sophieacvdo or send a quick email to sacevedo@insider.com. Learn more about how Personal Finance Insider selects, rates and covers financial products and services >>
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Beware of unexpected bank closures during the Christmas holidays. Some banks close early on Christmas Eve. Others never open.
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Christmas is approaching and you are probably trying to fulfill your remaining duties as Santa. If your duties require you to visit the bank, your local branch’s Christmas holiday schedule may be inconvenient.
This year, Christmas falls on a Saturday – a non-working day for many companies, organizations and agencies. As you might expect, all banks will be closed on Christmas Day (bankers also have to spend time with their families). What you may not know is that many banks are closed on Christmas Eve or even the day before, as Christmas Day may be on December 24, 2021.
We contacted the largest US banks to find holiday schedules for Christmas Eve and Christmas Day (holiday schedules may vary by branch location – check with your office before your visit):
On Friday Christmas Eve, many banks close earlier in the morning than their usual closing time. or 6:00 p.m
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If a bank branch has a time-sensitive issue that needs to be resolved, you need to figure out how to resolve it before Christmas closes.
Thanks to technology, most banking transactions can be completed without visiting an actual bank branch. So you can still view account information and pay bills online. Many mobile banking apps offer the ability to deposit checks using your smartphone camera.
When it comes to cash, there is always a reliable ATM, regardless of the bank’s opening hours.
Because holidays are not considered regular business days, you should expect a delay in the time it takes to process some transactions (such as check deposits).
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For example, if you initiated a transfer between your accounts on Christmas Day, the transaction could start processing by the next normal business day, which is Monday 28 December. As a standard wire transfer takes 2-3 days to complete, plan to complete some of your banking transactions by the end of next week.
To minimize this delay, try to complete your finances before Christmas. Then you can spend Christmas with less worries.
Simon Zhen is a senior analyst and expert on consumer banking products, banking innovation and financial technology. Simon Consumer Reports, American Banker, Yahoo Finance, U.S. News – World Report, The Huffington Post, Business Insider, Lifehacker and AOL.com.
We believe that by providing tools and education, we can help people optimize their finances to regain control of their future. Although our articles may feature or include selected companies, suppliers and products, our way of compiling them is fair and unbiased. The content we create is free and independent,
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