Memorial Day 2025: Are Banks Closed? Bank Hours, ATM Access, and Online Banking Options

Millions of Americans use Memorial Day to kick off summer travel or wrap up spring errands, but if your plans include a stop at the bank, you’ll likely find locked doors. Memorial Day 2025 falls on Monday, May 26, and it is one of the 11 federal holidays on the Federal Reserve’s calendar, which means nearly every brick-and-mortar bank and credit union branch will be closed. Why banks close on federal holidays The Federal Reserve—the clearinghouse that processes checks, wire transfers, and other interbank payments—halts operations on federal holidays. When the Fed is offline, in-person branch activity such as cash deposits, cashier’s checks, or same-day wire transfers can’t settle. As a result, national and regional banks, plus most community credit unions, mirror the Fed’s holiday schedule and shut their lobbies. Will any banks be open on Memorial Day? • Traditional branches: Closed nationwide, including Bank of America, Chase, Wells Fargo, Citi, PNC, U.S. Bank, Truist, Capital One, and regional staples such as Fifth Third and Regions. • In-store branches: Some supermarket or big-box branches occasionally operate on limited holiday hours, but chains have not announced Memorial Day exceptions for 2025. Check your local branch locator before making a trip. • Online-only banks: Digital institutions like Ally, Capital One 360, Chime, and SoFi never close their mobile apps, so you can still initiate transfers or mobile-deposit checks. Just remember that transactions may not post until Tuesday, May 27. What banking services still work • ATMs: Withdrawals and cash or check deposits at network machines process as usual, though deposits won’t officially clear until the next business day. • Online banking & mobile apps: You can transfer funds, pay bills, or send person-to-person payments, but they’ll settle on May 27. • Credit and debit cards: Purchases authorize instantly because card networks operate 24/7. Related closures to know • Stock markets: The New York Stock Exchange and Nasdaq will be closed Monday in observance of Memorial Day. • USPS & shipping: No regular mail delivery; UPS and FedEx suspend most pickup and ground services. • Government offices: Federal, state, and local government buildings close, including the DMV and Social Security offices. How to prepare if you need cash or a teller 1. Visit your branch or ATM before banks close at the end of business on Friday, May 23. 2. Use mobile check deposit no later than Friday evening so funds are available for the holiday weekend. 3. Schedule bill payments and ACH transfers for processing on or after May 27. Key takeaway Banks are closed on Memorial Day 2025, but ATMs and digital tools keep most routine transactions at your fingertips. Plan ahead to avoid surprises, and your holiday weekend won’t skip a financial beat.