If you’re asking are banks open today, you’re not alone. With Christmas Eve landing midweek this year and recent federal holiday announcements creating confusion, many Americans want clear answers before heading to a bank branch. Here is a fully factual, up-to-date breakdown of bank operations across the United States today, December 24, 2025.
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Are Banks Open Today in the U.S.?
Yes, most banks in the United States are open today, December 24, 2025. However, nearly all major banks are operating on reduced holiday hours. Branches are generally open in the morning and close earlier than a normal business day.
Customers should expect limited in-branch availability and plan their visits accordingly.
Why Banks Are Open on Christmas Eve
Although Christmas Eve has been designated as a federal holiday for government employees this year, banks are not required to follow the federal employee holiday schedule. Banks instead follow the Federal Reserve’s holiday calendar, which recognizes Christmas Day as the official banking holiday, not December 24.
Because the Federal Reserve is open today, banks are permitted to operate, and most have chosen to do so with shortened hours.
Typical Bank Hours Today
While exact times vary by branch and region, most U.S. banks are following a similar pattern today:
- Morning hours are normal
- Early afternoon closures are common
- Many branches close between noon and 3:00 p.m. local time
This applies to national banks as well as many regional and community institutions. Customers planning in-person visits should arrive early to avoid missing cut-off times.
Services Available Even After Early Closure
Even after branches close today, customers can still access essential banking services through digital platforms.
Available Services
- Online banking
- Mobile banking apps
- ATM withdrawals and deposits
- Account balance checks
- Bill payments and transfers
These services remain available 24/7, even when physical locations close.
What to Expect on Christmas Day
All banks in the United States will be closed on Christmas Day, Thursday, December 25, 2025. This is a full banking holiday nationwide.
On Christmas Day:
- Branches are closed
- Customer service phone lines may be limited
- No transaction processing occurs
Online banking and ATMs will still function, but deposits and transfers will not be processed until the next business day.
Bank Operations on December 26
Most banks will reopen on Friday, December 26, 2025, and return to normal operating hours. While some government offices remain closed, banking systems resume regular operations, including transaction processing and in-branch services.
This makes December 26 a good alternative for customers who miss today’s early closures.
How Holiday Hours Affect Transactions
Even though banks are open today, certain transactions may experience delays due to holiday processing schedules.
Potential Delays Include
- ACH transfers posting on the next business day
- Wire transfer cut-off times occurring earlier than usual
- Deposits made late in the day posting after Christmas
Customers handling time-sensitive transactions should complete them early in the day or use online tools to confirm processing times.
Tips for Banking During the Holidays
Visit Early
Arriving early today reduces the risk of encountering a closed branch due to shortened hours.
Confirm Local Branch Hours
Regional and community banks may follow different schedules. Checking your branch’s hours in advance helps avoid unnecessary trips.
Use Digital Banking Tools
Mobile and online banking offer the most reliable access during holiday periods and reduce dependence on in-person services.
Quick Summary for Today
- Are banks open today? Yes, most banks are open with reduced hours.
- Will banks close early? Yes, many branches close early in the afternoon.
- Are banks open on Christmas Day? No, all banks are closed.
- When do banks reopen? Most reopen on December 26 with normal hours.
Let us know if this helped you plan your banking today, and stay tuned for more timely updates as the holiday week continues.