Most banks close on Juneteenth, but the rules depend on which bank you use and where you live

Juneteenth — June 19th — is a federal holiday, which means the Federal Reserve and most national banks shut down on that day. If your bank is part of a major national network like Bank of America, Wells Fargo, Chase, or Citibank, you should expect it to be closed. However, some smaller regional banks and credit unions stay open, and a few banks that operate in states that recognize a different holiday on June 19th may have different hours.

The safest approach is to check your specific bank's website or call the branch directly rather than assume. Banks post holiday schedules weeks in advance, usually in a section labeled "Hours" or "Holiday Hours." If Juneteenth falls on a weekend, your bank may observe the holiday on the nearest weekday instead.

Key Takeaways

  • National banks like Chase, Bank of America, and Wells Fargo close on Juneteenth because it is a federal holiday recognized by the Federal Reserve.
  • Some regional banks and credit unions may stay open on Juneteenth, so you need to check your specific institution's schedule.
  • Bank websites list holiday hours in advance, usually under a section called "Hours" or "Holiday Hours" — this is faster than calling.
  • If Juneteenth falls on a Saturday or Sunday, your bank may observe the holiday on Friday or Monday instead.
  • ATMs and online banking remain available even when physical branches are closed.

How to find your bank's Juneteenth hours

The quickest way is to visit your bank's website and search for "holiday hours" or "Juneteenth." Most banks display this information prominently during the weeks leading up to the holiday. You can also call your local branch directly — the phone number is usually on your debit card or in your account statements.

If you bank with a credit union, check their website the same way. Credit unions are not required to follow the Federal Reserve's holiday schedule, so some stay open on days when national banks close. Your credit union's hours page will tell you whether they are open on Juneteenth.

What stays open when your bank branch closes

Even if your bank's physical location is closed, you can still access your money through ATMs, online banking, and mobile apps. You can transfer funds between your own accounts, pay bills online, and check your balance at any time. If you need to deposit a check, most banks let you photograph it through their mobile app and deposit it without visiting a branch.

If you need to speak to someone on Juneteenth, some banks offer phone support on federal holidays, though wait times are often longer. Check your bank's website to see whether customer service is available that day.

When Juneteenth falls on a weekend

If June 19th is a Saturday or Sunday, the Federal Reserve observes Juneteenth on the nearest weekday. In most cases, this means banks close on Friday if Juneteenth is on Saturday, or on Monday if Juneteenth is on Sunday. Your bank will announce which day it is observing the holiday well in advance.

This matters because you may think your bank is open on Friday or Monday when it is actually closed. Always check the holiday schedule rather than assuming based on the calendar date.

Banks that may have different hours

A small number of banks operate primarily in states that recognize a different holiday on June 19th — for example, some Texas banks historically observed Emancipation Day instead of Juneteenth before it became a federal holiday. These banks may have different closure policies, though most have now aligned with the federal holiday.

Online banks and banks that operate across multiple states almost always close on Juneteenth because they follow the Federal Reserve's schedule. If you are unsure about your bank, their website will clarify.

Planning ahead for Juneteenth

If you know you will need cash or need to complete a banking task on or around Juneteenth, plan a few days early. Withdraw cash before the holiday, schedule bill payments in advance through online banking, or deposit checks through your mobile app. This way, the closure will not affect your plans.

If you have a time-sensitive banking need — such as a wire transfer or a large deposit — contact your bank a week before Juneteenth to ask whether they can process it before the holiday or on the day after.

Frequently Asked Questions

Can I use my ATM on Juneteenth if the bank is closed?

Yes. ATMs operate 24/7 regardless of whether the branch is open. You can withdraw cash, check your balance, and transfer money between your own accounts using an ATM on Juneteenth, even if the physical branch is closed.

Will my online bill payments go through on Juneteenth?

Payments you schedule online will process, but they may post to the recipient's account on the next business day instead of the same day. If you are paying a bill with a important date, schedule it a day or two early to be safe.

What if I need to deposit a check on Juneteenth?

Use your bank's mobile app to photograph and deposit the check. Most banks process mobile check deposits within one business day. If your bank does not offer mobile deposit, you can mail the check or deposit it at an ATM if your bank has that feature.

Do credit unions close on Juneteenth?

Some do and some do not. Credit unions are not required to follow the Federal Reserve's holiday schedule. Check your credit union's website or call them to find out whether they are open on Juneteenth.

What if Juneteenth is on a Sunday — is the bank closed on Monday?

Usually yes. When a federal holiday falls on a Sunday, banks typically observe it on Monday. However, always check your bank's holiday schedule to confirm, as some institutions may have different policies.