Are banks open today? As of Friday, November 28, 2025, most banks across the United States are open and operating on normal schedules. Since today falls on the day after Thanksgiving—commonly known as Black Friday—it is not recognized as a federal holiday. Banks that closed yesterday for Thanksgiving have reopened, giving customers full access to in-person services.
This update reflects the most current information verified as of today and applies nationwide unless otherwise noted by individual branches.
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Why Banks Are Open Today
Thanksgiving is one of the ten federal holidays during which banks shut their doors. However, the following day is not federally recognized, which means banking institutions resume operations.
Black Friday often brings heavy activity in both retail and online banking. Many Americans use the day to check payments, finalize transfers, visit safe-deposit boxes, or handle financial tasks that couldn’t be addressed during the holiday closure. Because today is a regular business day, banking operations—teller services, lending departments, and most in-branch functions—continue as usual.
Bank Status Overview for November 28, 2025
Here is what customers can expect from major U.S. banks today:
✔ Open for Regular Business
Most national and regional banks have reopened:
- Bank of America
- Wells Fargo
- Chase
- Citibank
- U.S. Bank
- PNC
- Truist
- TD Bank
- Capital One branches and cafés
Normal weekday operations are in effect, though high foot traffic may lead to longer wait times.
✔ ATMs and Digital Banking
All digital and ATM services remain fully functional. Customers can:
- Transfer funds
- Deposit checks using mobile deposit
- Check balances
- Pay bills
- Withdraw or deposit cash via ATMs
These services were already available during Thanksgiving, and they continue to operate seamlessly today.
✔ Wire Transfers and ACH Processing
Payment processing systems are running on standard weekday schedules:
- Same-day wire transfers
- Regular ACH payments
- Direct deposits
- Business transactions
Customers submitting transfers early in the day are more likely to have them processed before end-of-day cutoffs.
Branches With Possible Modified Hours
Although banks are open, some locations may operate under modified schedules. This includes:
- Branches inside shopping malls
- Bank kiosks within large retailers
- University-based banking centers
- Locations affected by staffing adjustments following the holiday
Hours may be shortened in select places, especially in high-traffic retail zones. Customers who plan to visit in person should consider going earlier in the day.
How Today’s Operation Impacts Customers
Heavier Lobby Traffic
The day after Thanksgiving is often busy. Many people handle financial tasks delayed by the holiday, which can increase wait times.
Loan Offices and Specialized Services
Loan officers, financial advisors, and safe-deposit box attendants are typically available today. However, staffing levels may vary by branch.
Business Banking Needs
Small-business owners may see:
- Increased responsiveness from merchant service teams
- Normal settlement times for transactions
- Access to in-branch business support desks
Because many retail businesses experience their highest annual sales on Black Friday, banks operate fully to support merchant processing and cash management.
Comparison: Thanksgiving vs. Today
| Date | Status | Notes |
|---|---|---|
| Thursday, Nov 27 (Thanksgiving) | Closed | All branches closed; ATMs and digital services available |
| Friday, Nov 28 (Today) | Open | Full operations; some locations may adjust hours |
This straightforward distinction helps customers plan their financial errands without confusion.
What About the Financial Markets Today?
While your question focuses on bank availability, it’s helpful for readers managing investments to know that:
- The stock market is open today.
- Trading hours are shortened, typically ending early afternoon.
- Bond markets also close earlier than usual.
These adjusted hours do not impact bank availability but may influence customers who need both banking and brokerage services.
Tips for Visiting a Bank Today
If you’re planning an in-person visit, consider the following:
1. Go Early
Morning hours generally have the shortest waits. As the day progresses, foot traffic picks up due to retail-related banking needs.
2. Bring Proper Identification
For services like:
- Notary requests
- Safe-deposit box access
- Loan consultations
- Account modifications
You will need government-issued identification.
3. Use Digital Tools When Possible
Mobile and online platforms remain the fastest options for:
- Deposits
- Transfers
- Balance inquiries
- Bill payments
Using these tools reduces time spent in line.
4. Confirm Hours for Local Branches
Although banks are open, individual location schedules can differ, especially retail-centered branches.
Common Questions About Banking Today
Is today considered a holiday for banks?
No. Thanksgiving is the holiday; the day after is a regular business day.
Will checks deposited today clear normally?
Yes. Standard clearing timelines apply unless the bank uses special processing rules.
Are credit unions open today?
Most credit unions follow the same schedule as major banks and are open. However, some smaller or employer-based credit unions may have unique hours.
Is customer support available?
Phone and chat support lines are fully staffed, though call volume may be higher due to the post-holiday rush.
Why This Matters for Customers
Understanding whether banks are open today helps customers organize:
- Bill payments
- Cash withdrawals
- Account changes
- Business transactions
- Holiday travel preparations
With banks open nationwide, today is an excellent opportunity to take care of essential banking needs without waiting until Monday.
If you have specific questions about your local branch or need help locating the closest open bank, feel free to comment below — I’d be happy to assist.