Are Banks Open Today? Here's a List of U.S. Bank Holidays for 2024 (2024)

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

  • Most banks follow the Federal Reserve System's holiday schedule.
  • If you're part of an online bank, transactions aren't processed on holidays.
  • You can still use an ATM if you need to withdraw money or deposit a check on a holiday.

Once a holiday weekend comes around, everything can become a frantic rush — family gatherings, last-minute shopping trips, ever-changing holiday decorations. It's easy to lose track of which days your bank is closed, but you also don't want it 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, plus alternatives for accessing cash if you need money quickly. We also maintain a list of the best banks in the U.S.

When are banks closed?

Financial institutions close on federal holidays. Most have a holiday list on their website to let you know and prepare ahead of time.

Some brick-and-mortar national banks have a list in the FAQ section of the website.

Others, like TD Bank and Regions Bank, have separate pages with bank holiday schedules. During these holidays, brick-and-mortar banks will close all of their branches or modify their branch hours. Customer service hours may also vary depending on where you bank.

Online banks usually don't have physical branch locations, but you still may be affected. When an online bank observes a holiday, transactions may be delayed until the next day.

Customer service availability will usually stay the same with online banks, but there are some exceptions. Capital One 360 offers customer service support for all holidays except the Fourth of July, Thanksgiving Day, Christmas Day, and New Year's Day.

Most financial institutions follow the Federal Reserve System's holiday schedule. Here is the holiday schedule for 2024.

Holiday2024
New Year's DayJanuary 1
Martin Luther King, Jr. DayJanuary 15
Washington's Birthday (Presidents' Day)February 19
Memorial DayMay 27
JuneteenthJune 19
Fourth of JulyJuly 4
Labor DaySeptember 2
Columbus DayOctober 14
Veterans DayNovember 11
Thanksgiving DayNovember 28
Christmas DayDecember 25

If a holiday falls on a Saturday, the bank will still be open on a Friday. But if a holiday occurs on a Sunday, the bank will be closed the following Monday.

The stock market is open on most of the same days as banks, with a few exceptions.

Do transactions go through on bank holidays?

Most banking transactions don't process on bank holidays, regardless of whether you use an online or brick-and-mortar bank.

Ally Bank, for instance, doesn't let you make any money-related transactions on federal holidays. The online banking platform Chime also has a list of holidays when it can't process direct deposits.

Transactions at brick-and-mortar banks like Chase, Wells Fargo, and Bank of America won't be processed until the next business day. Business days are weekdays when branches are in operation.

So, instead of hinging on a lagging direct deposit, you may want to come up with a backup plan in case the transaction gets delayed.

Where can I get cash when banks are closed?

Branches are closed on federal holidays, but ATMs aren't. If you have a debit or ATM card, you can still use a machine to take out cash during the holidays.

If you're out of town, you can also use a debit card to get cash back at a store if you don't have any free ATMs nearby. That way, you don't have to pay an out-of-network ATM fee if your bank doesn't reimburse charges.

How can I cash a personal check when banks are closed?

If you receive a personal check during the holidays, there are a few roundabout ways access to your money quickly.

You can cash the check out at a store if you need money in a pinch.

Some ATMs let you cash or deposit checks, but you may already need to have those funds in your account. If your bank's ATM network doesn't let you make check transactions, you can deposit the check using your bank's online or mobile features, then cash your check out using an ATM.

Funds likely won't be available right away, so this alternative works best if you prefer to have money safe in your account and don't mind waiting a day or two.

Sophia Acevedo

Banking Editor

Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, and budgeting and saving. She is highly knowledgeable about long-term trends in rates and offers at banks across the U.S.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circ*mstances and overcoming their fears around money.ExpertiseSophia's expertise includes:

  • Bank accounts
  • Savings and CD rate trends
  • Budgeting
  • Saving
  • How banks operate

EducationSophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.

Kit Pulliam

Banking reporter

Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years.ExperienceIn college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter.Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject.They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs.As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money.Their work has been featured in Business Insider and MSN. They were part of the My Financial Life series with Business Insider.ExpertiseTheir expertise includes:

  • Certificates of deposit
  • Savings accounts
  • Checking accounts
  • CD rates
  • Bank reviews

EducationKit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis.Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.

Top Offers From Our Partners

Are Banks Open Today? Here's a List of U.S. Bank Holidays for 2024 (3)

Western Alliance Bank High-Yield Savings Premier Earn 5.31% APY on your entire account balance – more than 10 times the national average

5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank’s discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of 7/15/2024. See the FDIC website for more information. https://www.fdic.gov/resources/bankers/national-rates/index.html

Are Banks Open Today? Here's a List of U.S. Bank Holidays for 2024 (2024)

References

Top Articles
Methods and systems for content processing
-- JESUS OF NAZARETH IS DEAD, SO HIS NEW NAME IS FRED
Corgsky Puppies For Sale
Greater Keene Men's Softball
11 Best Sites Like The Chive For Funny Pictures and Memes
I Feel Pretty (2018) | Rotten Tomatoes
Craigslist Pets Longview Tx
Hannaford Weekly Flyer Manchester Nh
Machiavelli ‑ The Prince, Quotes & The Art of War
Bones And All Showtimes Near Tucson Spectrum 18
Mugshots In Waco Texas
Tuition Fee Compensation
A Man Called Otto Showtimes Near Palm Desert
Wwba Baseball
Idaho Falls Temple Prayer Roll
Configuring TPM 2.0 on a 6.7 ESXi host
Restored Republic December 1 2022
Rolling-Embers Reviews
Shaleback Hollow Location
Preventice Learnworlds
Western Lake Erie - Lake Erie and Lake Ontario
How Much Is 10000 Nickels
Generation Zero beginner’s guide: six indispensable tips to help you survive the robot revolution
Anmed My Chart Login
Everstart Maxx Jump Starter 1200 Manual
Cornerstone Okta T Mobile
Warrior Badge Ability Wars
Joe Bartlett Wor Salary
How Much Do Internet and Wi-Fi Cost?
Cavender's Boot City Lafayette Photos
Sessional Dates U Of T
From Iceland — Northern Comfort: A Turbulent Ride Of Comedy
Space Coast Fl Craigslist
Goose Band Setlists
Nature's Medicine Uxbridge Menu
Hannaford Weekly Flyer Manchester Nh
Arcane Stitch Divinity 2
Dinar Guru Recaps Updates
Vegan Eggplant Parmesan
When is the next full moon? September's Harvest Moon is also super
Minute Clinic Schedule 360
Hyundai Elantra - modele, dane, silniki, testy
Watch Stephen Miller Have A Full Meltdown When Asked To Back Up Crime Claim With Facts
Lifetime Benefits Login
3143656395
Dollar General Penny List July 18 2023
Crustless Pizza Bowl Pizza Hut
'Selling Sunset' star Alanna Gold said she owned a California desert town. Now, she says she doesn't.
Fayetteville Arkansas Craigslist
Where To Find Mega Ring In Pokemon Radical Red
The Ultimate Guide To Lovenexy: Exploring Intimacy And Passion
Sky Zone Hours Omaha
Latest Posts
Article information

Author: Rueben Jacobs

Last Updated:

Views: 6302

Rating: 4.7 / 5 (57 voted)

Reviews: 80% of readers found this page helpful

Author information

Name: Rueben Jacobs

Birthday: 1999-03-14

Address: 951 Caterina Walk, Schambergerside, CA 67667-0896

Phone: +6881806848632

Job: Internal Education Planner

Hobby: Candle making, Cabaret, Poi, Gambling, Rock climbing, Wood carving, Computer programming

Introduction: My name is Rueben Jacobs, I am a cooperative, beautiful, kind, comfortable, glamorous, open, magnificent person who loves writing and wants to share my knowledge and understanding with you.