Juneteenth 2025: Are Banks Open or Closed? Full Holiday Hours & Schedule

Banks throughout the United States will close their brick-and-mortar branches on Thursday, June 19, 2025, in observance of Juneteenth National Independence Day, the newest federal holiday recognized by the Federal Reserve System. Because most commercial banks follow the Fed’s calendar, customers should expect lobby and drive-through services at major institutions to be unavailable. Why the closure matters • Juneteenth became a federal holiday in 2021; when it lands on a weekday, it’s treated the same as Independence Day or Labor Day for banking purposes. • The Federal Reserve’s own payment networks—including Fedwire, FedACH and the check-clearing system—halt settlement for the day, so banks close retail locations to align operations. Which banks will be closed? Large national banks have confirmed branch closures for Juneteenth, though their mobile apps and ATMs stay online. Institutions that will shut doors include: • Bank of America • JPMorgan Chase • Wells Fargo • Citi • Truist • Capital One • TD Bank • U.S. Bank These banks all list Juneteenth on their 2025 holiday schedules, and media outlets such as Fortune and CBS News report the closures in advance. Digital banking still works Online banking portals, mobile apps, Zelle transfers between participating banks, and 24-hour ATMs will process most transactions instantly. However, external transfers scheduled on June 19 will not settle until the next business day because the Fed’s back-end rails are paused. When will banks reopen? Branches resume normal hours on Friday, June 20, 2025. Bill payments set up for the 19th will post on the 20th; if you have a loan payment due on Juneteenth, most lenders treat the following business day as on-time. Related financial services • U.S. stock markets (NYSE, Nasdaq) also close for the holiday. • Post offices and most government offices suspend in-person service the same day. • Retail stores, supermarkets and restaurants generally remain open, though hours can vary locally. Planning tips 1. Deposit paychecks or cash before end of business Wednesday, June 18. 2. Schedule wire transfers for the 18th or 20th to avoid settlement delays. 3. Use mobile check deposit if you receive funds on the holiday; the hold time begins once the Fed reopens. 4. Keep a debit-card alternative handy in case your bank’s ATM network undergoes holiday maintenance. Bottom line Juneteenth is now part of the standard U.S. bank holiday calendar. Arrange in-person banking tasks ahead of June 19 or wait until June 20, and rely on digital tools for any urgent needs while branches are dark.