Are banks open on federal holidays in 2026?

No. Bank branches are closed on all 11 Federal Reserve holidays in 2026. ATMs remain available 24/7. ACH transfers do not process on Federal Reserve holidays — a payment due on a holiday typically posts the next business day. FedNow real-time payments process 24/7/365 where supported.

What are standard bank branch hours?

Most major bank branches are open Monday through Friday 9 AM to 5 PM and Saturday 9 AM to 1 or 2 PM. Sunday hours are limited — only some branches (primarily Chase and Bank of America locations inside grocery stores) open on Sundays, typically 11 AM to 3 PM.

What is Chase's customer service number?

Chase customer service is available at 1-800-935-9935, 24/7 for most personal banking inquiries. Branch hours are typically 9 AM to 5 PM Monday through Friday and 9 AM to 1 PM Saturday. Some locations have extended hours.

What is Bank of America's customer service number?

Bank of America's main customer service line is 1-800-432-1000, available 24/7. Branch hours are typically 9 AM to 5 PM Monday through Friday and 9 AM to 1 PM Saturday. Some banking center locations have extended hours.

Do banks process ACH transfers on weekends?

Standard ACH transfers do not process on Saturdays, Sundays, or Federal Reserve holidays. Transactions initiated Friday typically post Monday. Same-day ACH is available on business days only. Real-time payment networks like FedNow and RTP process 24/7 when both banks support them.

Which banks are open on Sundays?

Full-service Sunday bank branches are rare. Chase and Bank of America maintain some Sunday hours (typically 11 AM–3 PM) at select high-traffic locations and grocery-store branches. Most other banks are closed on Sunday, though online and mobile banking, ATMs, and phone support are available 24/7.

Bank Hours, Holiday Schedules & Customer Service Numbers 2026

Standard Bank Branch Hours

Most major US bank branches follow this schedule, though individual locations vary:

Online banking, mobile apps, and ATMs are available 24/7 regardless of branch hours. Phone customer service varies by bank — most major banks offer 24/7 phone support.

Federal Bank Holidays 2026

Banks are closed on all 11 Federal Reserve holidays. ACH transfers do not process on these dates — plan payroll, bill payments, and transfers accordingly.

ACH timing note: A bill payment or transfer scheduled for a Federal Reserve holiday will process the next business day. If Thanksgiving falls on Thursday, a payment due Thursday posts Friday. See the full bank holiday schedule for 2026 and early 2027 dates.

What Stops on Bank Holidays

Not all banking functions are affected equally:

Function	On Holidays	On Weekends
Branch teller service	❌ Closed	❌ Sat limited, Sun closed
ATM cash withdrawal	✅ Available	✅ Available
Online/mobile banking	✅ Available	✅ Available
ACH transfers	❌ No processing	❌ No processing
Wire transfers (domestic)	❌ No processing	❌ No processing
FedNow real-time payments	✅ If both banks support	✅ If both banks support
Check clearing	❌ Paused	❌ Paused

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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