It’s easy to forget that banks follow their own calendar until you show up to a locked door on a Monday morning. I learned this the hard way a few years back when I drove across town to make a cash deposit, only to find the parking lot empty for Presidents’ Day. Since then, I’ve made it a habit to know the bank holiday schedule long before it arrives.
If you’re looking to avoid that same frustration, you’ve come to the right place. Here is the complete list of 2025 U.S. bank holidays, along with some practical tips for managing your money when the branches are closed.
For 2025, the Federal Reserve System has scheduled 11 official bank holidays when branches will be closed. While digital services and ATMs will remain accessible, any transaction requiring processing will be paused until the next business day.
The Complete 2025 Bank Holiday List
Mark your calendars for these 11 days in 2025 when your local bank branch will be closed :
- New Year’s Day: Wednesday, January 1
- Martin Luther King Jr. Day: Monday, January 20
- Presidents’ Day: Monday, February 17
- Memorial Day: Monday, May 26
- Juneteenth National Independence Day: Thursday, June 19
- Independence Day: Friday, July 4
- Labor Day: Monday, September 1
- Columbus Day (also observed as Indigenous Peoples’ Day): Monday, October 13
- Veterans Day: Tuesday, November 11
- Thanksgiving Day: Thursday, November 27
- Christmas Day: Thursday, December 25
What to Expect on a Bank Holiday
Walking past a closed bank doesn’t mean you’re cut off from your finances. Understanding what you can and can’t do will help you plan better.
- Available services: Your bank’s mobile app and online banking portal will almost always be accessible, allowing you to view your balances and transaction history . ATMs and cash machines will also remain in operation for cash withdrawals and, in some cases, check deposits . Many peer-to-peer payment apps like Venmo and PayPal continue to function, though the transfer to your bank account may be delayed .
- Services That Are Paused: This is the most critical part to remember: any transaction that requires processing by the Federal Reserve will not go through. This means direct deposits and electronic transfers will be delayed, and checks you deposit via an app or ATM will not clear until the next business day . If you have an automated bill payment set for a holiday, it’s likely the payment will not process until the following day, so plan ahead to avoid potential late fees .
Pro-Tips for Navigating Bank Holidays
A little foresight can make a bank holiday feel like any other day. Here’s how I’ve learned to stay ahead.
- Set Digital Payment Alerts: For bills due on or right after a holiday, I set a calendar reminder for the weekday before. This gives me a nudge to either schedule the payment early or ensure I have enough of a buffer to avoid a late fee.
- Deposit Checks Early: I once deposited a check via mobile app on a holiday Friday, forgetting the funds wouldn’t be available until Monday. Now, I make it a rule to deposit any checks by the evening before a holiday weekend.
- Know Your Bank’s Early Closings: While not a full holiday, some banks close early on certain days. For instance, some institutions close at 2:00 PM on Christmas Eve . It’s always wise to check your bank’s website for these special schedules, especially around major holidays.
FAQs
Are banks open on the Friday after Thanksgiving?
Yes, in most cases. The day after Thanksgiving (November 28, 2025) is not a Federal Reserve bank holiday, so branches are typically open for regular business .
What happens if a holiday falls on a weekend?
The Federal Reserve has a clear rule: if a holiday falls on a Saturday, banks are open the preceding Friday. If it falls on a Sunday, banks are closed the following Monday . For example, in 2026, Independence Day (July 4) is on a Saturday, so banks will be open that Friday, July 3 .
Can I open a bank account on a holiday?
Yes, you can! The digital application process on a bank’s website is available 24/7, allowing you to open checking or savings accounts even on a federal holiday .
Staying informed about the bank holiday schedule is a simple but powerful habit for managing your personal finances smoothly. By planning your key transactions around these 11 dates, you can avoid unnecessary delays and stress, and maybe even enjoy the extra day off a little more.