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Beware of unexpected bank closures during the Christmas holidays. Some banks close early on Christmas Eve. Others never open.
Holidays That Banks Are Closed
Christmas is just around the corner and you’re probably running around trying to fulfill your remaining duties as Santa Claus. If your work requires you to visit the bank, the local branch’s Christmas holiday schedule may cause you inconvenience.
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This year, Christmas falls on a Saturday – which is not a working day for many businesses, organizations and agencies. As you might expect, all banks are closed on Christmas Day (bank workers have to spend time with their families too). What you may not know is that many banks close early on Christmas Eve or even the day before Christmas Eve, as Christmas Day can be celebrated on December 24, 2021.
We reached out to the largest US banks to find out their Christmas Eve and Christmas Day holiday schedules (holiday schedules may vary by branch location – check with your branch before visiting):
On Friday, Christmas Eve, many banks close early in the afternoon compared to the usual closing time of 5 or 6 pm.
If there is a time-sensitive issue in the bank branch that needs to be taken care of, you need to find out how to do it before the closing time for the Christmas holidays.
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Thanks to technology, most banking transactions can be completed without having to visit 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 a smartphone camera.
There is always a reliable ATM for cash, which is always available regardless of the bank’s opening hours.
As bank holidays are not considered a normal business day, you should anticipate delays in processing certain transactions (such as a check deposit).
For example, if you started transferring money between your accounts on Christmas Day, the transaction may not start processing until the next normal business day, which is Monday 28 December. Since a typical wire transfer takes 2-3 days, plan for some of your bank transactions to be completed later next week.
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To minimize this delay, try to ensure that your funds are completed by Christmas Eve. Then you can enjoy Christmas with fewer worries.
Simon Zhen is a leading research analyst and expert in consumer banking products, bank innovation and financial technology. Simon has contributed to and/or been quoted in prominent publications and publications including Consumer Reports, American Banker, Yahoo Finance, U.S. News – World Report, The Huffington Post, Business Insider, Lifehacker and AOL.com.
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Has partnered with CardRatings to pay for credit card products. and CardRatings may receive a commission from card issuers. Opinions, reviews, analyzes and recommendations are solely those of the author and have not been reviewed, endorsed or approved by any of these entities. Public holidays in August 2022: Banks are closed for a total of 18 days this month. Apart from this, many holidays are still falling. In this order, banks will remain closed for 6 days across the country this week. In such a situation, if you are going to do bank related jobs in August, definitely read this news first.
August has begun. Banks are closed for more than half a month in August. Banks are closed for a total of 18 days this month. Apart from this, many holidays are still falling. In this order, banks will remain closed for 6 days across the country this week. In such a situation, if you are going to do bank related jobs in August, definitely read this news first. The Reserve Bank of India (RBI) has released the list of holidays for August 2022.
Significantly, the Reserve Bank of India (RBI) has divided the holiday list into three categories. This includes the Negotiable Instruments Act, the real-time gross settlement holidays and the closure of bank accounts. In other words, in addition to national holidays, there are state-specific holidays, which include every Sunday and the second and fourth Saturdays of the month. Please tell us what days the banks will be closed in August.
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August 9, 2022: Banks will remain closed during Muharram (Ashura) except Chandigarh, Dehradun, Bhubaneshwar, Guwahati, Imphal, Jammu, Panaji, Shillong, Shimla, Thiruvananthapuram and Srinagar.
August 11, 2022: Raksha Bandhan is a public holiday across the country.
13.8.2022: As it is the second Saturday of the month, all banks in the country remain closed.
14.8.2022: Due to Sunday week, there are May Day holidays in different parts of the country.
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August 7, 2022: Because of the Sunday week, the entire country is a public holiday.
16/08/2022: All banks in Mumbai and Nagpur will remain closed for Parsi New Year.
August 21, 2022: Because of the week on Sunday, the entire country will have a public holiday.
August 31, 2022: Ganesh Chaturthi is a public holiday in Gujarat, Maharashtra, Karnataka.
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For many years, banks had the worst of times. They were not open on weekends. They opened when you left for work and closed before you left.
Today, it’s not nearly as bad. My brick and mortar bank, Bank of America, is open Monday through Thursday from 9 a.m. and 5 p.m., Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. until noon. It is reasonable.
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But the holidays… it’s really not nearly as bad. Most banks follow the federal holiday schedule, with only ten days off. The stock market adds an extra day off (Good Friday) and has a few shorter days.
If you’re wondering if Labor Day is a public holiday – YES, it is – Labor Day is a public holiday.
The Federal Reserve System has recognized it as a holiday, and all banks are closed. Online banking and ATMs are still available, but the branches are closed.
Bank holidays follow the Federal Reserve System’s holiday schedule…and that’s great! You will get 10 days off throughout the year.
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It’s important to know these days, even if you don’t go to the bank. If you intend to make a deposit, bank transfer, bill payment or other online banking – the banks will not process them during the closed day. It seems silly to consider that a human probably never intervenes, so computers can still do the work on “off days”, but that’s how they’ve chosen to do it.
Not all banks (or credit unions) follow this holiday schedule. They can choose to be closed on other days or to be closed on days that the Federal Reserve system follows. The list below applies to the Federal Reserve System only.
If the holiday falls on a Saturday that year, the holiday is not always observed. It can be observed on the following Friday or Monday.
The New York Stock Exchange and NASDAQ follow a similar schedule to the banks, but it’s not exactly the same. They observe all holidays except Columbus Day and Veterans Day. They add Good Friday, the Friday before
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