Bank Hours: Holiday Hours and Normal Banking Hours

Each bank sets its own branch hours. Here is how holidays change them, which days often bring shorter hours, and what keeps working when branches close.

There is no national rule for what time banks open: each bank sets the hours of its branches, and they can differ from one branch to the next. Your bank’s website or app has a branch locator with the current hours for each location. Bank holiday hours follow a second pattern. On the 11 Federal Reserve holidays, such as Thanksgiving Day on Thursday, November 26, 2026, ACH and wire payments do not settle, and each bank decides whether its branches open. On days like Christmas Eve or the day after Thanksgiving, the Federal Reserve is open and payments settle, but some branches may run shorter hours. Check your bank’s holiday notice for both.

Normal banking hours: what time do banks open?

The Federal Reserve’s holiday schedule tells banks when payments between them settle. It does not set branch hours. Each bank decides when its lobbies, drive-up windows and phone lines are open, and a bank can run different hours at different branches.

To find out what time your bank opens:

  1. Open the branch locator on your bank’s website or in its app and select the branch you plan to visit. The listing typically shows lobby hours and, where they differ, drive-up hours.
  2. Look for a holiday or service notice on the same page or on the bank’s home page before a holiday.
  3. Call the branch if you need a specific service, such as a notary, a safe deposit box or a cashier’s check. Those can have narrower hours than the lobby.

Banking hours versus the deposit cut-off

The time a branch closes is not the same as the time a deposit counts for that day. Under the Federal Reserve’s Regulation CC, a bank may treat a deposit as made on the next banking day if it arrives after the bank’s cut-off hour. 12 CFR 229.19(a)(5) allows a cut-off of 2:00 p.m. or later at a staffed branch, and noon or later at ATMs and off-premises facilities. A deposit made after the cut-off, or on a day that is not a banking day, can be credited a day later. Your bank’s funds availability policy states its actual cut-off times.

Bank holiday hours on Federal Reserve holidays

The Federal Reserve observes 11 holidays a year. On a weekday holiday the Reserve Banks close, and FedACH and Fedwire do not settle payments. A branch can still open if its bank decides so, but transfers to other banks wait for the next business day. The holiday cards below show the next closure for each holiday.

The next Federal Reserve holidays

When a holiday falls on a Saturday, the Reserve Banks open on the Friday before and only the Board of Governors closes; federal offices take that Friday off. In 2026 that happened on Friday, July 3. Branch hours on such a Friday are again up to the bank. Our page on Federal Reserve holidays explains the Saturday and Sunday rules.

Days with shorter hours: Christmas Eve, New Year’s Eve and Black Friday

Some days are busy holidays for people but ordinary business days for the Federal Reserve. ACH payments and wires settle as usual on them, even when a branch closes early:

  • The day after Thanksgiving, Friday, November 27, 2026. See our Thanksgiving and Black Friday guide.
  • Christmas Eve, Thursday, December 24, 2026. FedACH runs that day; for Christmas 2026, the Reserve Banks’ holiday schedule shows processing stopping at 11:30 p.m. ET on December 24 and resuming at 5:30 p.m. ET on Sunday, December 27. Details are in our Christmas guide.
  • New Year’s Eve, Thursday, December 31, 2026. See our New Year’s guide.

The stock market treats two of these days as half days: the NYSE closes at 1:00 p.m. ET on November 27 and December 24, 2026. That is the market’s schedule, not the banks’. Branch hours on these days are your bank’s decision, so check its notice.

What still works when your branch is closed

A closed branch does not mean your money is frozen. These channels are run by banks, card networks or other payment systems rather than by the branch:

  • ATMs and debit cards are run by banks and card networks, not the Federal Reserve, so a Fed holiday does not switch them off. A deposit made at an ATM on a weekend or holiday is treated as received on the bank’s next banking day, according to the Regulation CC commentary.
  • Online and mobile banking let you check balances and schedule payments. Transfers to other banks by ACH are processed on the next business day.
  • Transfers between your own accounts at the same bank do not pass through the Federal Reserve, so they may post on a holiday, depending on the bank.
  • Instant payments. The FedNow Service runs every day, including weekends and holidays, and The Clearing House’s RTP network is available 24/7/365. Both work only between banks that take part. Person-to-person services offered through your bank, such as Zelle, follow the rules of the bank and the service, so check your bank’s app for what it says about holiday delivery.

Cut-off times for ACH, same-day ACH and wires are explained on our payments page.

Frequently asked questions

Are banks open on Saturday?

Some banks open selected branches on Saturday; the hours vary by bank and branch. Saturday is not a Federal Reserve business day, though, so ACH and wire payments wait until the next business day, normally Monday. Our guide to Saturday and Sunday bank hours covers the details.

What happens if a holiday falls on a weekend?

A Sunday holiday moves to Monday, and the Reserve Banks close that Monday, as on Monday, July 5, 2027. A Saturday holiday does not close the Reserve Banks on the Friday before; only the Board of Governors and federal offices close. You can check any day with our live bank status.

Is Good Friday a bank holiday?

Good Friday is not a Federal Reserve holiday. On Friday, April 3, 2026, ACH and wire payments settled as usual, and the same will apply on Friday, March 26, 2027. The stock market closes on Good Friday, so check your bank’s notice if you plan a branch visit. Our Good Friday guide has the dates through 2032.

Sources and editorial standards

Holiday dates last verified against official Federal Reserve schedules on . We check the full schedule every November for the coming year and review each holiday again two weeks before it.

Maintained by the US Banking Holidays Editorial Team. This site is an independent information service and is not affiliated with the Federal Reserve or any commercial bank. Branch hours vary; confirm with your bank before you rely on a date. How we verify our information

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