Are Banks Operating Today? Complete Guide to 2024 Bank Holidays
Not knowing which banks are open on holidays can be really frustrating, especially when you need to deposit a check or ask about a loan, only to find out your branch is closed. Since banks are private businesses, they can choose their own hours, including weekends. However, almost all banks in the U.S. close for federal holidays, like Juneteenth on June 19.
If you’re curious about whether banks are open today, here’s what you need to know.
### What National Holidays Are Also Bank Holidays?
Each bank sets its own schedule, but most follow the federal holiday calendar observed by the Federal Reserve, which includes 11 holidays. These holidays are:
– New Year’s Day
– Martin Luther King Jr. Day
– Presidents Day
– Memorial Day
– Juneteenth
– Independence Day
– Labor Day
– Columbus Day/Indigenous Peoples Day
– Veterans Day
– Thanksgiving Day
– Christmas Day
You can expect your bank to close its branches on these holidays every year, though the actual dates can vary. Some exceptions include New Year’s Day (Jan. 1), Juneteenth (June 19), Independence Day (July 4), Veterans Day (Nov. 11), and Christmas Day (Dec. 25).
Some banks also close or have shorter hours on Christmas Eve and New Year’s Eve, but they usually open as normal the day after Christmas. When holidays fall on a Saturday, banks typically close the preceding Friday. When holidays fall on a Sunday, banks close the following Monday. Easter is not a federal holiday, but since it always falls on a Sunday, most banks are closed anyway.
### What Holidays Are Banks Closed?
Wondering if banks are closed today is common, especially around holidays. Here’s a quick look at holidays when most banks will be closed and when they’ll be open in 2024:
– **New Year’s Day:** Closed (Monday, Jan. 1)
– **Orthodox Christmas:** Open (Sunday, Jan. 7)
– **Martin Luther King Jr. Day:** Closed (Monday, Jan. 15)
– **Lincoln’s Birthday:** Open (Monday, Feb. 12)
– **Mardi Gras:** Open (Tuesday, Feb. 13)
– **Ash Wednesday:** Open (Wednesday, Feb. 14)
– **Presidents Day:** Closed (Monday, Feb. 19)
– **Ramadan:** Open (Sunday, March 10 – Tuesday, April 9)
– **St. Patrick’s Day:** Open (Sunday, March 17)
– **Purim:** Open (Saturday, March 23)
– **Holi:** Open (Monday, March 25)
– **Good Friday:** Open (Friday, March 29)
– **Easter:** Confirm with your bank (Sunday, March 31)
– **Eid al-Fitr:** Open (Tuesday, April 9)
– **Passover:** Open (Monday, April 22 – Tuesday, April 30)
– **Memorial Day:** Closed (Monday, May 27)
– **Eid al-Adha:** Open (Sunday, June 16)
– **Juneteenth:** Closed (Wednesday, June 19)
– **Independence Day:** Closed (Thursday, July 4)
– **Labor Day:** Closed (Monday, Sept. 2)
– **Rosh Hashanah:** Open (Wednesday, Oct. 2)
– **Yom Kippur:** Open (Friday, Oct. 11)
– **Columbus Day/Indigenous Peoples Day:** Closed (Monday, Oct. 14)
– **Halloween:** Open (Thursday, Oct. 31)
– **Diwali:** Open (Friday, Nov. 1)
– **Election Day:** Open (Tuesday, Nov. 5)
– **Veterans Day:** Closed (Monday, Nov. 11)
– **Thanksgiving Day:** Closed (Thursday, Nov. 28)
– **Black Friday:** Open (Friday, Nov. 29)
– **Christmas Eve:** Call your bank to confirm hours (Tuesday, Dec. 24)
– **Christmas Day:** Closed (Wednesday, Dec. 25)
– **Hanukkah:** Open (Wednesday, Dec. 25 – Thursday, Jan. 2)
– **Kwanzaa:** Open (Thursday, Dec. 26 – Wednesday, Jan. 1)
– **New Year’s Eve:** Call your bank to confirm hours (Tuesday, Dec. 31)
### Making Bill Payments on Bank Holidays
Remember, if you’re paying a bill or mortgage, it might not be processed when the bank is closed. Your payment will go through on the next business day.
### Banking Options on Holidays
Even if your bank branch is closed, you can still handle most banking tasks. Here are some alternatives:
– **Online or Mobile Banking:** Use your bank’s online platform or mobile app to transfer money and make deposits.
– **ATMs:** Most ATMs allow withdrawals regardless of network, though out-of-network ATMs may charge a fee. In-network ATMs usually accept deposits.
– **Grocery Store Bank Branches:** Some bank branches inside grocery stores may stay open even on holidays, following the store’s hours. Check if there’s a nearby store location you can visit during bank holidays.