In case you have any last-minute banking needs to finish holiday shopping, you should find out if your bank is open on Christmas Eve or Christmas Day. Most banks are open on Christmas Eve, however they are closed on Christmas Day. Keep reading to find out if your bank is open during the Christmas holidays.
Are Banks Open on Christmas Day?
Since Christmas is a standard Federal Reserve bank holiday and the last bank holiday for 2020, all banks will be closed on Dec. 25, Christmas Day.
Banks Open on Christmas Eve
Banks are closed on Christmas Day, however some might be open for limited or regular hours on Christmas Eve. Below are some banks that will be open on December 24:
- Bank of America: Most branches open 9 a.m. to 2 p.m.
- Bank of the West: Branches open 9 a.m. to 2 p.m.
- BBVA: Branches open 9 a.m. to 1 p.m.
- BB&T: Branches open 9 a.m. to 2 p.m.
- BMO Harris Bank: Branches open 8 a.m to 12-3 p.m., depending on location
- Capital One: Branches open 9 a.m to 2 p.m.
- Chase: Branches open 9 a.m. to 3 p.m.
- Citizens Bank: Branches open 10 a.m. to 2-3 p.m., depending on location
- Fifth Third Bank: Branches open 9 a.m. to 2 p.m.
- Huntington: Branches open 9 a.m. to 2 p.m.
- KeyBank: Branches open 9 a.m. to 1 p.m.
- People’s United Bank: Branches open 9 a.m. to 3 p.m.
- PNC Bank: Branches open 11 a.m. to 2 p.m.
- Regions: Branches open 9 a.m. to 12 p.m.
- Santander Bank: Branches open 9 a.m. to 3 p.m.
- SunTrust: Branches open 9 a.m. to 2 p.m.
- TD Bank: Many branches open 8 a.m. to 3 p.m.
- UBank: Branches open 9 a.m. to 1 p.m.
- Union Bank: Many branches open 9 a.m. to 1 p.m.
- U.S. Bank: Branches open 10 a.m. to 2 p.m., but hours vary widely
- Wells Fargo: Branches open 9 a.m. to 3 p.m.
Also, be sure to note that some banks have closed certain branch lobbies or have certain restrictions on the types of transactions you can make because of the pandemic. Call your local branch to confirm their hours on Christmas Eve.
How Can I Access My Money If My Bank Is Closed?
Even if your bank closes early, you will still be able to access your funds through an ATM, which are usually available 24/7. If your checking account balance is low, you can ask a friend or family member to loan you money for the holiday through a mobile banking app or a peer-to-peer payment app such as Venmo.
You can also get a money order even if your bank closes early on Christmas Eve. For example, Walmart sells money orders and are usually open later than banks on Christmas Eve.
2021 Bank Holidays
Below is a complete list of all the federal bank holidays for 2021.
2021 Bank Holidays | |
Holiday | Date |
New Year’s Day | Jan. 1 |
Martin Luther King Jr. Day | Jan. 18 |
Presidents Day | Feb. 15 |
Memorial Day | May 31 |
Independence Day | July 4 |
Labor Day | Sept. 6 |
Columbus Day | Oct. 11 |
Veterans Day | Nov. 11 |
Thanksgiving Day | Nov. 25 |
Christmas Day | Dec. 25 |
The dates above are all federal holidays, meaning that banks will usually be closed on these days. However, check with your local bank to see if they might be open.
Conclusion
Although banks are closed on Christmas Day, most banks are open on Christmas Eve with regular or limited hours. However, make sure to double-check with your local branch to confirm these hours. Furthermore, if you need to access money and your bank is closed, you can take advantage of ATMs, mobile and online banking, or apps such as Venmo.