Are Banks Open on Christmas Day?
Christmas Day 2026: Friday, December 25, 2026
No
Banks are closed on Christmas Day.
Banks are closed on Friday, December 25, 2026.
What's open and closed on Christmas Day 2026
| Bank branches | Closed Fri, Dec 25 |
|---|---|
| Federal Reserve, ACH and wires | Closed, transfers wait until the next business day |
| ATMs, mobile and online banking | Open |
| Stock market (NYSE, Nasdaq) | Closed |
| Post office (USPS) | Closed, no mail delivery |
Are banks closed on Christmas Day?
Every major bank and credit union is closed on Christmas Day, and no transfers process. Most banks reopen on December 26 with normal hours.
About Christmas Day
Christmas Day, December 25, is a federal holiday and a Federal Reserve holiday. When it falls on a Sunday, banks close Monday, December 26. When it falls on a Saturday, there is no weekday closure.
Tips
- Deposits made on Christmas post on the next business day.
- The stock market and post office are also closed.
Christmas Day dates and bank status, 2026–2029
| Year | Date | Banks |
|---|---|---|
| 2026 | Friday, December 25 | Closed Fri, Dec 25 |
| 2027 | Saturday, December 25 | Open (no weekday closure) |
| 2028 | Monday, December 25 | Closed Mon, Dec 25 |
| 2029 | Tuesday, December 25 | Closed Tue, Dec 25 |
Frequently asked questions
Are banks open on Christmas Day?
Banks are closed on Christmas Day. Banks are closed on Friday, December 25, 2026.
Are banks closed on Christmas Day 2026?
Banks are closed on Friday, December 25, 2026.
Is the stock market open on Christmas Day?
The NYSE and Nasdaq are closed on Christmas Day 2026.
Is the post office open on Christmas Day?
USPS post offices are closed, no mail delivery on Christmas Day 2026.
Will my direct deposit arrive on Christmas Day?
No ACH payments settle on Christmas Day because the Federal Reserve is closed. Many employers send pay the business day before; otherwise it arrives the next business day.
Next bank holidays
- Veterans DayWed, Nov 11, 2026
- ThanksgivingThu, Nov 26, 2026
- Christmas DayFri, Dec 25, 2026
- New Year's DayFri, Jan 1, 2027