Are Banks Open on Christmas Eve?

Most major banks are open on Christmas Eve, even though it’s a federal holiday and generally recognized as a bank holiday. Still, some banks do observe Christmas Eve. We’ll discuss which ones will open their doors before Santa lands his sleigh. And don’t worry — there are plenty of ways to access your money for some last-minute gift shopping regardless of whether your bank is opened or closed on Christmas Eve.

Which Banks Will Open on Christmas Eve?

The following banks are scheduled to be open on Christmas Eve most years:

Bank of America
Bank of the West
Capital One Bank
Chase Bank
Citi
Fifth Third Bank
HSBC Bank
KeyBank
PNC Bank
Regions Bank
Santander Bank
TD Bank
U.S. Bank
Wells Fargo

Which Banks Will Close on Christmas Eve?

The best way to figure out if your bank will close on Christmas Eve is to call or visit a branch ahead of time and ask. Do note that many individual branches are free to make their own schedules. So even if a bank is on our above list, the branch nearest you may be closed or may close early. Be sure to ask your bank ahead of time to find out for sure.

How Do I Access My Funds If My Bank Closes?

Even if your bank closes on Christmas Eve, you’ll likely still have easy access to your funds. Most major banks have their ATM areas separate from their actual offices, so all you’ll need to get inside is your debit or credit card. Then you can withdraw funds from the ATM.

Of course, you can access your money via any ATM. Some banks are part of national ATM networks. AllPoint, for example, has more than 40,000 ATMs throughout the country, and customers of the banks it works with can use these machines free of charge.

Most major banks also offer free mobile banking apps that you can use to deposit checks. In some cases, you can use your phone to withdraw funds without a debit card. Most of these apps also allow you to transfer money. For instance, several major banks have a service called Zelle built in to their mobile banking apps. This service works like Venmo or PayPal, allowing you to send money to people using their phone number or email address. In some cases, the transfer takes only minutes.

If you need customer service, most major banks run call centers 24/7. Some of the best banking apps even allow you to shut down your card if it gets lost or stolen. This prevents anyone from accessing your funds until you recover your card.

What Are Bank Holidays for 2024 and 2025?

Most banks observe bank holidays. These are typically federal holidays when most major banks will either close early or for the entire day. Below are the upcoming bank holidays in 2024 and 2025:

2024

New Year’s Day, January 1
Martin Luther King Jr. Day, January 15
President’s Day, February 19
Memorial Day, May 27
Juneteenth National Independence Day, June 19
Independence Day, July 4
Labor Day, September 2
Columbus Day, October 14
Veterans Day, November 11
Thanksgiving Day, November 28
Christmas, December 25

2025

New Year’s Day, January 1
Martin Luther King Jr. Day, January 20
President’s Day, February 17
Memorial Day, May 26
Juneteenth National Independence Day, June 19
Independence Day, July 4
Labor Day, September 1
Columbus Day, October 13
Veterans Day, November 11
Thanksgiving Day, November 27
Christmas, December 25

Remember that banks can choose not to observe these holidays. It’s always best to contact the bank directly to find out it if the branch will beopen.

Bottom Line

Some banks will open and some will close on Christmas Eve this year. The best way to find out if a bank is open is to call or visit a branch ahead of time and ask a banker. But even if your branch closes, you’ll still have access to your funds. Be sure to download any mobile app that’s connected to your bank. Most of these allow you to view your balance, deposit checks, transfer funds, turn off your card, and more.

Savings Tips

If you don’t have an emergency fund, now is a good time to start saving. To help you figure out where to save, we’ve determined the best savings accounts. Most of these have no monthly fees and offer competitive rates.
Another great way to save for the short-term is by investing in a certificate of deposit (CD). You lock in your money for a certain amount of time, usually one month to five years, in exchange for a high interest rate. These are the best CD rates around.