Most U.S. Banks Will Close for Memorial Day 2026: What Customers Need to Know

Most U.S. bank branches are expected to close on Monday, May 25, 2026, for Memorial Day, leaving customers to rely on ATMs cards and mobile banking until branches reopen. While everyday account access should continue, some payments and transfers may not fully settle until Tuesday, May 26.

Memorial Day is a federal holiday, and most banks and credit unions usually follow the Federal Reserve’s holiday schedule.

That means branch services at major institutions such as Bank of America, JPMorgan Chase, Wells Fargo, Citibank, U.S. Bank, PNC Bank, Truist, TD Bank, and Capital One are typically unavailable on the holiday, though some in-store branches may keep limited hours.
 

Banks Expected To Close

Many of the country’s largest banks are expected to close their branches for the holiday, and that likely includes regional banks community banks and credit unions as well. Customers should not assume a branch will be open, even if it is located inside a supermarket or retail store. 

Banks that are expected to close include:

• Bank of America

• JPMorgan Chase

• Wells Fargo

• Citibank

• U.S. Bank

• PNC Bank

• Truist

• TD Bank

• Capital One

If you need a branch visit, it is safest to check with your local location before heading out. Holiday hours can vary by branch, especially for smaller institutions. 

What Still Works

Even when branches are closed, customers can usually still use ATMs for withdrawals, and many machines will also accept deposits. 

Debit cards, credit cards purchases should continue to work normally, and most mobile banking apps and online platforms will still let users check balances, move money between accounts, and schedule payments. 

That said, the holiday can slow down the movement of money behind the scenes. Some transactions may not settle until the next business day, especially if they depend on standard banking processing. 
 

Payments That May Be Delayed

The biggest issue for customers is not access, but timing. ACH transfers, direct deposits, wire transfers, check clearing, mobile check deposits, and certain external transfers may be delayed around the holiday. 

If a paycheck, tax refund benefit payment or bill payment is scheduled near Memorial Day, it may not fully post until Tuesday, May 26.

That can matter for customers who are counting on money to arrive on time. 
 

Why Memorial Day Affects Banking

Memorial Day is observed on the last Monday in May and honors U.S. military personnel who died while serving.

It began after the Civil War as Decoration Day and later became a federal holiday. 

How To Plan Ahead

Customers who need cash should withdraw it before the holiday weekend. Anyone with a payment deadline should try to schedule it early, and checks that need to clear quickly should be deposited before branches close. 

For most Americans, Memorial Day will not create a major banking problem.

But for anyone waiting on a payment to clear, the difference between Friday and Tuesday could matter. 

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