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Are Banks Open Today? Full List of Bank Holidays

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Are banks open today is something we all ask. We share a list of bank holidays and stock market holidays to learn if you can conduct business today.

Are banks open today? This question is a common one around certain holidays. It never fails. You need to go to the bank, and the local branch isn’t open.

This situation isn’t usually a problem if you need to deposit a check or withdraw cash. You can go to an ATM to handle those things, but an ATM can’t help with all banking matters.

If you’re asking yourself, “are banks closed today?”, we’re here to help. Our guide covers the holidays most branches are closed, plus other questions, including:

  • Will banks be open tomorrow?
  • Is today a federal holiday for the banks?
  • Is any bank open today?
  • What are the stock market holidays?

While not technically applicable to banks, the stock market follows a roughly similar schedule, but not exactly the same. As a former stockbroker, I can tell you that this always confuses people.

Our guide shares the list of stock market holidays, so you will know if you can conduct business today or not.

Are Banks Open Today Near Me?

 

It’s always frustrating to go to the bank, only to learn it’s closed. It seems as if the only time we need to make some transactions is when the local branch is not open for business.

Not every bank follows the same schedule. However, if you’re asking yourself, “are banks open today?” it’s thankfully a relatively straightforward answer.

These National Holidays are Also Bank Holidays

 

The bank holidays mostly follow the holiday schedule of the Federal Reserve. Even if you don’t need to perform a simple transaction or more advanced business and have no need to go into a branch, it’s essential to know the bank holidays.

If you perform anything financial on a holiday, it actually transacts the following business day. This includes anything from automated bill pay to any type of online banking.

Although performed by a computer, these transactions do not process on bank holidays. Businesses know this, so you don’t need to worry about late fees.

Below are the bank holidays where your bank will likely be closed:

  • New Year’s Day – Always January 1
  • Martin Luther King Jr Day – Third Monday of January
  • Washington’s Birthday/President’s Day – Third Monday of February
  • Memorial Day – Last Monday in May
  • Independence Day – Always July 4
  • Labor Day – First Monday in September
  • Columbus Day/Indigenous People’s Day – Second Monday in October
  • Veterans Day – Always November 11
  • Thanksgiving Day – Fourth Thursday of November
  • Christmas Day – December 25

In addition to the ten observed holidays, most banks also recognize Christmas Eve and New Year’s Eve as a holiday. Your bank may be open those two days but likely have limited hours.

Some banks also observe Inauguration Day as a holiday. However, that only occurs every four years. Easter falls on a Sunday when brick and mortar branches typically close.

Some in-store banks are open on Easter, so ask your bank if that’s an option.

Other days like Good Friday, July 3, and Black Friday vary by institution. Inquire at your local branch if it’s near those dates.

List of Bank Holidays

 

Wondering if there are any banks open today? The table below shows when most banks are closed for 2020 through 2023.

Bank Holiday2020202120222023
New Year's DayJan. 1Jan. 1Jan. 1Jan. 1
MLK Jr. BirthdayJan. 20Jan. 18Jan. 17Jan. 16
Washington's BirthdayFeb. 17Feb. 15Feb. 21Feb. 20
Memorial DayMay. 25May. 31May. 30May. 29
Independence DayJul. 4Jul. 4Jul. 4Jul. 4
Labor DaySept. 7Sept. 6Sept. 5Sept. 4
Columbus DayOct. 12Oct. 11Oct. 10Oct. 9
Veterans DayNov. 11Nov. 11Nov. 11Nov. 11
Thanksgiving DayNov. 26Nov. 25Nov. 24Nov. 23
Christmas DayDec. 25Dec. 25Dec. 25Dec. 25

If you’re not sure if your branch is closed today, call and ask if they’re open for business. This is of particular importance during the current pandemic, so always call before visiting.

What to Do if Your Branch is Closed

 

There are several things you must do in-person at a bank, such as accessing your safe deposit box or speaking with a lender. Unfortunately, if banks are closed today, you’re unable to accomplish those tasks.

Thankfully, you have one option to manage much of those in-person tasks – visiting an in-store branch. My bank, U.S. Bank, has branches in a local grocery store chain in Omaha.

They do that throughout the country in other grocery stores.

You may not be able to access a safe deposit box at such locations, but you can do many other things. Below are several tasks I’ve done at an in-store branch:

In-store bank branches often have the added flexibility of extended hours, including possibly being open on Sundays.

One other option when your bank isn’t open is performing your business through your online banking portal.

Again, this won’t process until the following business day during non-business hours, but it’s a terrific alternative to conduct business.

What are Common Hours?

 

One of my first jobs out of college was working at a bank. I can tell you one thing; bank hours vary for most branches.

This issue makes it difficult at times to answer the question, “what banks are open today near me?” Still, many follow a similar pattern for scheduling.

For example, we bank with U.S. Bank, and our local branch is open 9:00 a.m. – 5:00 p.m. Monday through Thursday, and they stay open an additional 30 minutes on Fridays.

They’re also open 9:00 a.m. – 12:00 p.m. on Saturdays. Your local bank will likely follow a different schedule, but it shouldn’t be too different.

Unfortunately, that isn’t always the case with bank holiday schedules.

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Again, if it isn’t one of the major holidays already mentioned, it’s possible an in-store branch is open for business.

Stock Market Holidays

 

You may not realize it, but stock market holidays are closely tied to banking holidays. Having worked in both fields, I was often confused about whether or not my office would be open for business.

The New York Stock Exchange (NYSE) and the NASDAQ operate on a similar holiday schedule to most banks. But, they don’t operate the same.

Just because you learn that banks are closed today doesn’t necessarily mean the stock market is closed for trading.

Below are the observed stock market holidays when trading is not available:

  • New Year’s Day – Always January 1
  • Martin Luther King Jr Day – Third Monday of January
  • Washington’s Birthday/President’s Day – Third Monday of February
  • Good Friday – Friday before Easter Sunday
  • Memorial Day – Last Monday in May
  • Independence Day – Always July 4
  • Labor Day – First Monday in September
  • Thanksgiving Day – Fourth Thursday of November
  • Christmas Day – December 25

As you can see, the stock market does not observe Columbus or Veteran’s Day, and they add Good Friday. It’s also important to note the stock market closes at 1:00 p.m. EST on the following days:

  • The day before Independence Day
  • Black Friday
  • Christmas Eve

For the sake of ease, reference the list of stock market holidays below. Like banking holidays, it goes out to 2023.

Stock Market Holiday2020202120222023
New Year's DayJan. 1Jan. 1Jan. 1Jan. 1
MLK Jr. BirthdayJan. 20Jan. 18Jan. 17Jan. 16
Washington's BirthdayFeb. 17Feb. 15Feb. 21Feb. 20
Good FridayApr. 10Apr. 2Apr. 15Apr. 7
Memorial DayMay. 25May. 31May. 30May. 29
Independence DayJul. 4Jul. 4Jul. 4Jul. 4
Labor DaySept. 7Sept. 6Sept. 5Sept. 4
Thanksgiving DayNov. 26Nov. 25Nov. 24Nov. 23
Christmas DayDec. 25Dec. 25Dec. 25Dec. 25

If you place trades with an online broker on one of these holidays, they’ll seek execution the following business day.

Stock Market Hours

 

Unlike banks, the stock market follows the same schedule. The stock market makes it relatively simple to know when it’s open for trading.

Below are the stock market trading hours of operation:

  • Monday – Friday – 9:30 a.m. – 4:00 p.m. EST

The stock market does offer extended trading hours, but most investors don’t deal with extended hours trading. There are no trading hours for stocks on the weekends.

Aside from the early closures on the day before Independence Day, Black Friday, and Christmas Eve, the stock market hours for trading stocks is straightforward.

Is There Mail Today?

 

Often associated with wondering “are banks open today” is the question, “Is there mail today?’. Thankfully, the postal service typically follows the same holiday schedule as banks.

If you’re asking yourself, “does the mail come today?”, check out the below holiday schedule for mail:

  • New Year’s Day – Always January 1
  • Martin Luther King Jr Day – Third Monday of January
  • Washington’s Birthday/President’s Day – Third Monday of February
  • Memorial Day – Last Monday in May
  • Independence Day – Always July 4
  • Labor Day – First Monday in September
  • Columbus Day/Indigenous People’s Day – Second Monday in October
  • Veterans Day – Always November 11
  • Thanksgiving Day – Fourth Thursday of November
  • Christmas Day – December 25

The postal service has a helpful page on their website showing the remaining holidays for the year to reference and learn will there be mail delivery today or not.

For convenience’s sake, below is the mail holiday schedule until 2023.

Mail Holiday2020202120222023
New Year's DayJan. 1Jan. 1Jan. 1Jan. 1
MLK Jr. BirthdayJan. 20Jan. 18Jan. 17Jan. 16
Washington's BirthdayFeb. 17Feb. 15Feb. 21Feb. 20
Memorial DayMay. 25May. 31May. 30May. 29
Independence DayJul. 4Jul. 4Jul. 4Jul. 4
Labor DaySept. 7Sept. 6Sept. 5Sept. 4
Columbus DayOct. 12Oct. 11Oct. 10Oct. 9
Veterans DayNov. 11Nov. 11Nov. 11Nov. 11
Thanksgiving DayNov. 26Nov. 25Nov. 24Nov. 23
Christmas DayDec. 25Dec. 25Dec. 25Dec. 25

If your mail is anything like my local mail, expect a later in the day delivery after these holidays.

How to See What Mail You Will Receive Today

 

A common question around holidays is, “was mail delivered today?”. Heck, you may ask yourself that question at any point of the year.

A helpful tool we use to know if we will get mail today is Informed Delivery by USPS. The service is free to use and is an excellent way to learn the answer to the question, “did the post office deliver mail today?”

To sign up for Informed Delivery by USPS, you go to their website and sign up for a free account. After you verify your identity, you provide them an email address for notifications.

When you sign up, you can expect to receive an email each morning showing you each piece of mail you’ll receive later in the day.

This service is not only helpful to learn if mail will be delivered today, but it’s also terrific to monitor mail when out of town.

We use it in our family, and it’s an awesome tool to manage your incoming mail.

Are banks open today is something we all ask. We share a list of bank holidays and stock market holidays to learn if you can conduct business today.Summary

 

It’s always frustrating to go to the bank, only to learn it’s not open for business. It also seems only to happen when you need to do something important.

The best way to learn are banks open today near me is to refer to their website. Most banks list their hours on the homepage of their website.

You can also ask a teller for the hours and bank holiday schedule next time you’re there to conduct business.

If you don’t perform much business at your local bank, you may want to consider an online bank. Many online banks provide access to thousands of ATMs, have no fees, and offer considerably higher rates on savings products.

Radius Bank is an excellent option that offers all of the above, plus no minimum balance on checking accounts after you open it with at least $100.

Remember, each bank maintains different operating hours. Doing a little homework beforehand will help you learn if your bank is open today for business.

 

How often do you go to your local bank branch? Do you believe you can perform most of your financial needs online? Does your bank have in-store branches you can use to conduct business?

 

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John is the founder of Frugal Rules, a dad, husband and veteran of the financial services industry whose writing has been featured in Forbes, CNBC, Yahoo Finance and more.

Passionate about helping people learn from his mistakes, John shares financial tools and tips to help you enjoy the freedom that comes from living frugally. One of his favorite tools is Personal Capital , which he used to plan for retirement and keep track of his finances in less than 15 minutes each month.

Another one of John's passions is helping people save $80 per month by axing their expensive cable subscriptions and replacing them with more affordable ones, like Hulu with Live TV.

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