Are Banks Open Today? 2025 Federal Holiday Schedule, Local Branch Hours & Last-Minute Alternatives

June 19, 2025 — With Americans marking Juneteenth National Independence Day today, many consumers are asking the same urgent question: “Are banks open today?” Here’s what to know about bank hours, alternatives for urgent transactions, and when regular service will resume. Banks tied to the Federal Reserve are closed The Federal Reserve System lists Juneteenth (Thursday, June 19, 2025) as an official holiday, meaning the Fed’s payment networks, wire services, and ACH settlement are offline today. When the Fed is closed, most commercial banks follow suit because they can’t clear checks or settle transfers. Major banks observing the holiday • Bank of America • Chase Bank • Wells Fargo • Citibank • PNC Bank • Truist These institutions confirm that branch lobbies and drive-thrus are shuttered for the day; transactions made at branches won’t post until Friday. CBS News reports that several regional lenders, including Fifth Third and U.S. Bank, are also closed. Exceptions you might still find • In-store bank kiosks located inside grocery chains may open on modified hours (check your local branch page). • Some credit unions choose to remain open because they clear items through corporate credit-union networks rather than directly through the Fed. • Independent community banks occasionally operate holiday hours to serve small-business customers; call ahead. How to handle banking tasks today • Use mobile or online banking to deposit checks, pay bills or transfer money; transactions will queue and post tomorrow morning. • ATMs remain operational for cash withdrawals and balance inquiries, though deposits may show as “pending.” • Peer-to-peer apps (Zelle®, Venmo, Cash App) can still move money instantly within their own networks, but transfers out to external accounts will settle after the holiday. Are the stock markets open? No. The New York Stock Exchange, Nasdaq, and U.S. bond markets are closed for Juneteenth and will reopen on Friday. Other federal services affected • The U.S. Postal Service has paused regular mail delivery; priority packages resume Friday. • Social Security and Veterans Affairs offices are closed. • Most DMV and local government offices are also dark; online portals remain available for renewals or payments. When regular banking resumes Banks, the Federal Reserve, and U.S. markets reopen Friday, June 20, on normal business hours. Transactions made after cutoff times on Wednesday will settle then. Next bank holiday on the calendar Independence Day, Friday, July 4, 2025, is the next date when the Federal Reserve and most banks will close. Key takeaway If you need to cash a check, wire funds or speak with a banker in person, plan for Friday. Until then, digital tools, ATMs and in-store kiosks are your best options for essential banking on Juneteenth 2025.