Banks are open Monday through Friday, but have limited business hours on Saturdays. You’ll find most banks and credit unions close on holidays and Sundays. And when closed, in-branch services aren’t available. However, external automated teller machines (ATMs) should be open 24/7.
The Fed System follows a standard holiday schedule during which the U.S. Federal Reserve Banks and Branches are closed. While banks and credit unions aren’t required to close during these holidays, most usually do.
Keep in mind that during the pandemic, banks are closing some branches and reducing hours of operation. Check your bank’s website to look up the hours of the branch nearest you.
If your bank isn’t open, you can connect to your accounts and make payments, transfers, deposits and other routine banking business through your bank’s web or mobile app. In this article, we refer to when physical bank branches are open or closed.
National bank holidays
Banks don’t follow the exact same business hours when it comes to their branches, but they’ll follow the Federal Reserve’s holiday calendar. It includes the 11 standard federal holidays, which include:
- New Year’s Day
- Martin Luther King, Jr. Day
- Presidents’ Day
- Memorial Day
- Junteenth National Independence Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
When a holiday falls on Saturday, banks and credit unions are typically open the preceding Friday. If the holiday falls on Sunday, banks are usually closed the following Monday. This follows a convention set by the Federal Reserve.
In addition, federal law established that some of these holidays be observed on Monday. These include:
- Martin Luther King Jr. Day: third Monday in January
- Presidents’ Day (Washington’s birthday): third Monday in February
- Memorial Day: last Monday in May
- Labor Day: first Monday in September
- Columbus Day: second Monday in October
- Veterans Day: fourth Monday in October
Calendar of banks’ opening (and closing) days
|2022||Holiday||Open / Closed|
|Jan 1||New Year’s Day||Closed|
|Jan 7||Orthodox Christmas||Open|
|Jan 17||Martin Luther King Jr. (MLK) Day||Closed|
|Feb 21||President’s Day||Closed (most)|
|Mar 1||Mardi Gras||Open|
|Mar 2||Ash Wednesday||Open|
|Mar 17||Saint Patrick’s Day||Open|
|Apr 15||Good Friday||Varies|
|May 2||Eid al-Fitr||Open|
|May 30||Memorial Day||Closed|
|Jul 4||Independence Day||Closed|
|Jul 9||Eid al-Adha||Open|
|Sep 5||Labor Day||Closed|
|Sep 11||Patriot Day||Open|
|Sep 25||Rosh Hashanah||Open|
|Oct 4||Yom Kippur||Open|
|Oct 10||Columbus (Indigenous) Day||Varies|
|Nov 8||Election Day||Open|
|Nov 11||Veterans Day||Closed (most)|
|Nov 25||Black Friday||Open (most)|
|Dec 24||Christmas Eve||Closed|
|Dec 25||Christmas Day||Closed|
|Dec 31||New Year’s Eve||Open|
While the actual date of most bank holidays above may change from year to year, the following holidays always fall on the same date:
- New Year’s Day, January. 1
- Independence Day, July 4
- Christmas Day, December 25
Banks are generally open by 9.00 am on weekdays and close anywhere from 4.00 pm to 5.30 pm depending on the institution and its location.
On Saturday, most banks and credit unions have reduced business hours: they’re generally open by 9.30 am and close usually by 1.00 or 2.00 pm, with some closing as early as noon.
Most banks close on Sunday. However, there are a few exceptions, such as TD Bank, which keeps Sunday hours.
These are indicative hours and may differ for some institutions.