Have you ever wondered if your bank was open on holidays? Do you ever need to get cash to finish your holiday shopping, but not sure if your bank is open? We’ve provided a list of 10 official holidays observed by the U.S. Federal Reserve System (FRS) so you know when you can visit your local banks. Although not all banks observe the federal holidays, be sure to check into your local branches to see if they’re available!
If your bank is closed and you need your money immediately, you may still have access to all your banking services through online, mobile or telephone banking. Some banks like Chase Bank and Discover Bank offer exclusive apps so your money is available at the tip of your fingers
For those of you are interested in opening a new banking account, be sure to check out our Bank Bonuses table for more information. In addition, you can also check out other great promotions from banks such as HSBC Bank, Huntington Bank, TD Bank, BBVA or CIT Bank.
 | HSBC Premier checking account: Earn $450 bonus for eligible new customers who open a new HSBC Premier checking account. Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months. Member FDIC Terms |
| HSBC Premier checking account: Get up to $600 bonus when you open a Premier checking account. You'll enjoy 3% Cash Bonus, up to $700, on Qualifying Direct Deposits up to $100 per month, during the first 6 calendar months after account opening. Member FDIC Terms |
 | TD Bank Beyond Checking: Earn a $300 bonus when you open a new TD Bank Beyond Checking account online and complete required activities. The TD Bank Beyond Checking account comes with free mobile/online banking and online bill pay, free Account Alerts, free access to 1,300 TD Bank ATMs and branches. Apply Now---TD Bank Beyond Checking Review |
Bank Holidays
| Holiday | 2019 | 2020 | 2021 |
| New Year’s Day | Jan 1 | Jan 1 | Jan 1 |
| Martin Luther King Jr. Day | Jan 21 | Jan 20 | Jan 18 |
| Presidents Day/Washington’s Birthday | Feb 18 | Feb 17 | Feb 15 |
| Memorial Day | May 27 | May 25 | May 31 |
| Independence Day | Jul 4 | Jul 4* | Jul 4** |
| Labor Day | Sept 2 | Sept 7 | Sept 6 |
| Columbus Day | Oct 14 | Oct 12 | Oct 11 |
| Veterans Day | Nov 11 | Nov 11 | Nov 11 |
| Thanksgiving Day | Nov 28 | Nov 26 | Nov 25 |
| Christmas Day | Dec 25 | Dec 25 | Dec 25* |
Holiday Observations
When a holiday falls on a weekend, the FRS treats the holiday in one of two ways:
*If the holiday falls on a Saturday, the FRS does not observe the holiday on the preceding Friday.
**If the holiday falls on a Sunday, the FRS observes the holiday on the subsequent Monday.
If you complete any sort of online transaction on any of these days, since the bank is closed, your transactions may not process until the next business day.
Conclusion
If you are interested in knowing which days banks usually close be sure to check out the table above. If you’re not sure if this applies to your bank, feel free to call ahead. If all else fails, many banks offer mobile and online banking so you can access your money anytime, anywhere!
If you don’t have a bank account yet, check out our list of Bank Bonuses when you open a new account. Depending on your needs you can find all sorts of accounts that have great account features. Additionally, you can also check out our Referral Bonuses, Bank Rates as well as our CD Rates!
