Most banks will be closed on Juneteenth 2025
Juneteenth falls on Monday, June 19, 2025, and most major U.S. banks will be closed that day. The Federal Reserve recognizes Juneteenth as a federal holiday, which means banks that are members of the Federal Reserve System — the vast majority of them — must close. This includes all the large national banks: Bank of America, Chase, Wells Fargo, Citibank, and others.
If you need to do banking on that day, you will not be able to visit a branch or speak to a teller. However, you can still use ATMs, online banking, and mobile apps to check balances, transfer money between your own accounts, and pay bills. These services run 24/7 regardless of whether branches are open.
A small number of banks — usually credit unions or regional institutions — may stay open on Juneteenth if they have chosen not to observe it as a holiday. Call your specific bank ahead of time if you are unsure about their schedule.
Key Takeaways
- Federal Reserve member banks close on Juneteenth, which is Monday, June 19, 2025.
- ATMs and online banking remain available on the holiday, so you can withdraw cash and move money between your own accounts.
- Checks deposited on Juneteenth will not be processed until the next business day, Tuesday, June 20.
- Some smaller banks and credit unions may stay open; contact your bank directly if you need to confirm their holiday schedule.
What you can and cannot do on Juneteenth
On a federal banking holiday, branches close but your money does not freeze. You can withdraw cash from any ATM that is part of your bank's network or a shared ATM network. You can log into online banking or your mobile app to check your balance, transfer money between accounts you own, pay bills to merchants, and send money to other people through services like Zelle or your bank's own transfer tool.
What you cannot do is deposit a check, speak to a loan officer, open a new account, or conduct any transaction that requires a teller or bank employee. If you deposit a check through an ATM or mobile app on Juneteenth, it will be time-stamped as received on that day, but the bank will not process it until Tuesday, June 20. This means the funds will not be available until at least Wednesday, June 21 — or later, depending on the check amount and your bank's hold policies.
Wire transfers initiated through online banking may process on the holiday if your bank's system accepts them, but the receiving bank will not credit the funds until the next business day. Call your bank ahead of time if you need to move money urgently on Juneteenth.
How to plan ahead if you need banking services
If you know you will need to deposit a check, open an account, or handle something that requires a teller, do it on Friday, June 18 or Tuesday, June 20. Most banks open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., though some branches stay open later on certain days — check your bank's website for your specific branch hours.
If you need cash on Juneteenth, withdraw it on Friday or use an ATM on the holiday itself. If you need to pay a bill or send money, use online banking or your mobile app. If you have a time-sensitive financial matter — a mortgage payment due, a loan process pending, or a wire transfer that cannot wait — contact your bank on Friday to ask what options exist. Some banks can process certain transactions in advance if you call ahead.
What happens to automatic payments and direct deposits
Automatic bill payments and direct deposits scheduled for Juneteenth will process normally. Your employer's payroll system will deposit your paycheck on schedule, and automatic payments you have set up will go out as planned. The holiday does not interrupt these automated transactions because they run on the banking system's backend, not through a branch.
However, if a bill payment is due on Juneteenth and you have not yet sent it, sending it that day through online banking will time-stamp it as sent on Juneteenth, but the receiving company will not receive it until Tuesday, June 20. If the due date is Juneteenth itself, contact the company before the holiday to ask whether they will accept a payment sent on Friday, June 18 as on-time.
Which banks are definitely closed on Juneteenth 2025
All Federal Reserve member banks close on Juneteenth. This includes Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC Bank, Capital One, Ally Bank, and virtually every other major bank you have heard of. If your bank is a member of the Federal Reserve System — and most are — it will be closed.
Some online-only banks like Ally, Charles Schwab, and others may not have physical branches to close, but they still observe the federal holiday and may have reduced customer service availability. Their ATM networks and online platforms remain open.
What to do if your bank is not on the major list
If you bank with a smaller regional bank, a credit union, or a community bank, call them directly to ask whether they observe Juneteenth. Some do, some do not. A quick phone call to your branch or a check of their website will tell you for certain. Do not assume a smaller bank is closed just because the major ones are.
If your bank is closed on Juneteenth but you need cash, you can use any ATM that accepts your card — even if it is not your bank's ATM. You may pay a small out-of-network fee, but the transaction will go through.
Frequently Asked Questions
Can I deposit a check on Juneteenth through my mobile app?
Yes. Mobile check deposit works on holidays. The bank will receive your image on Juneteenth, but will not process the check until Tuesday, June 20. Funds typically become available by Wednesday or Thursday, depending on the check amount and your bank's policies.
Will my paycheck arrive on time if Juneteenth is a Monday?
Yes. Direct deposits are automated and process on schedule regardless of holidays. Your employer's payroll system will deposit your paycheck on the normal payday, even if that falls on Juneteenth.
What if I need to pay a bill that is due on Juneteenth?
Contact the company before the holiday and explain the situation. Many will accept a payment sent on Friday, June 18 as on-time. If you send it through online banking on Juneteenth itself, it will not reach them until Tuesday, which may be late.
Can I withdraw money from an ATM on Juneteenth?
Yes. ATMs operate 24/7 on holidays. You can withdraw cash, check your balance, and transfer money between your own accounts using any ATM that accepts your card.
Is Juneteenth a holiday for all banks, or just some?
Federal Reserve member banks must close on Juneteenth. This covers the vast majority of U.S. banks. A few smaller institutions may stay open. Call your bank to confirm their specific schedule.