Are Banks Open or Closed Today? Full List of USA Bank Holidays for 2023

Are Banks Open Today? When is Federal Holidays Bank Closures date? There are several days in the year when banks are open or closed for business. And for easier info, most of these banks and credit unions have a holiday schedule displayed on their banking app/website. This is to help you can prepare ahead of time for your banking transactions.

Everyone anticipate the weekend so that they can go off work for their personal engagements. Immediately the holiday weekend comes starts, everything beside us begins in a hurry. People engage in family gatherings, decorations, last-minute shopping trips, etc. Trust me, everything changes with a holiday season. Now, due to these activities, it’s very easy to lose track of which days your bank is open or closed. In the same vein, nobody wants it to affect their day off. Especially if the need to access money arises in one of their bank where they have an account.

Therefore, to make it easier for everyone, my team at HybridCloudTech has included the full list of holidays when most banks close. This will help you to know the days banks are open for business. We have also put information on alternatives for accessing cash if you need money quickly.

Banking Holiday: Are banks open on Presidents’ Day?

The United States Presidents’ Day is a bank holiday listed in the Federal Reserve System’s holiday schedule website. Since it’s a national holiday, most financial institutions will have closed branches on Monday, February 20, 2023. Notwithstanding, there are a few exceptions for some banks. Take for example, according to TD Bank, their branch locations will remain open to customers.

Bear in mind that if you bank with an online bank or credit union, transactions may likely delayed until Tuesday of the month.

Date: When are banks closed in the US? 

It is a known fact that all financial institutions close on federal/state holidays. Some of the banks have a holiday Calander list on their website to let customers know and get ready before of time.

Are Banks Open Today? When is Federal Holidays Bank Closures date?
Are Banks Open Today? When is Federal Holidays Bank Closures date?

On the whole, most brick-and-mortar banks have a Calender list in the FAQ section of their website or banking app. While others, such as TD Bank and Regions Bank, have separate pages with bank holiday schedules. Now, it is worthy to note that during these holidays, brick-and-mortar banks will close all of their branches. Some others may modify their branch working hours. Furthermore, banking customer service hours may also vary depending on where you have and account.

For those customers using online banks, you still may be affected even though online banks don’t have physical branch locations. “But how?”, you may ask. It’s simple; when an online bank observes a holiday, transactions may be delayed until the next day or two.

Banking customer service availability will usually remain the same with online banks, but there are some exceptions in some cases. For example, Capital One 360 offers customer service support for all holidays. However, they exempt the July 4th, Thanksgiving Day, Christmas Day, and New Year’s Day.

It’s not necessarily their fault as most financial institutions follow the Federal Reserve System’s holiday schedule. Well, to get things straight, here is the holiday schedule in United States for 2023 and 2024.

Federal Reserve System's holiday schedule.
Source: Federal Reserve System’s holiday schedule.

*Note that 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.

Do Bank Transactions go Through on Bank holidays? 

For safety reasons, most banking transactions don’t process on bank holidays. It doesn’t matter whether you use an online, brick-and-mortar bank or credit union. 

A good example is the Ally Bank. They don’t let you make any money-related transactions on federal holidays. Chimes banking platform is also another example. They have a list of holidays clearly written on their website when it can’t process direct deposits. 

All banking 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. The banks may not operate by weekends.

So, instead of holding on to a slow direct deposit process, you can try other online banking options. Therefore, you may want to come up with a backup plan in case the transaction get lags.

Where can I get cash when banks are closed? 

Since bank branches are closed on federal holidays, ATMs are still available. So, if you have a credit, debit or ATM card, just head to an ATM. Meaning that you can still use an Automated Teller Machine to withdraw cash during the holidays.

Conversely, if you’re on a road trip, you can also use a debit card to get cash. Simply locate 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.

So, how can I cash a personal check when banks are closed? 

Banking Check systems are still working perfectly fine from both personal and business account holders. So, if you receive a personal check during the holidays, there are still few ways to gain access to your money quickly.

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

Note that there are some ATMs that 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.

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


Quick tip: If a bank doesn’t have a holiday schedule on its website, your best bet will be to call your nearest branch to know which holidays it’s observing.

  • 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.
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