Are Banks Closed on President’s Day? (2026 Holiday Schedule)

Every February, many workers across the United States ask a practical question: Are the banks closed on President’s Day? Customers need to know whether they can deposit a paper check, talk with a loan officer, or pick up a cashier’s check on Monday, February 16, 2026.

This guide reviews the 2026 holiday schedule, explains how the Federal Reserve influences private banking hours, and shows which alternatives remain available when brick-and-mortar branches lock their doors. Understanding the holiday rules prevents surprise fees, delayed bill payments, and missed payroll deposits.

Is President’s Day a Federal Holiday?

Yes. Federal law calls the day Washington’s Birthday, although most Americans say President’s Day. The holiday falls on the third Monday in February, landing on February 16 in 2026. It sits on the roster of eleven federal holidays managed by the Office of Personnel Management. When that roster marks a day closed, Federal Reserve Banks stop settlement, and the United States Postal Service stops delivery.

Are Banks Closed on President’s Day?

Yes. Nearly all U.S. banks close their branch lobbies and drive-through lanes on Presidents’ Day. Private banks take their cue from the Federal Reserve, which shuts down every payment window and clearing system for the holiday. Without reserve settlement, commercial institutions cannot complete outgoing wires, Automated Clearing House files, or check image exchanges, so they use the day for maintenance and staff training.

Which Banks Are Closed on President’s Day?

The majority of household-name banks have the same list of holidays, but customers prefer to have a list of them, and then they decide to change their plans. The following names are the largest institutions by assets and the number of branches, which would provide a realistic perspective of what you can anticipate on Monday, February 16.

• Bank of America – Bank of America closes its branches during Presidents day. The customer service lines have a diminished schedule on the weekends, but the lobby doors remain closed, and the drive-through lanes are padlocked after everyone has left the premises of the business the day before.

• JPMorgan Chase – Chase observes the Federal Reserve schedule, and thus all the tellers, bankers, and access to safe-deposit boxes go on holiday. The mobile application and ATMs are operational, although counters are not open yet, and will open in the morning on Tuesday in local time.

• Wells Fargo – Wells Fargo locks every banking lobby for Presidents' Day. Relationship bankers schedule no appointments, branch phones route to call centers, and night depositories still accept envelopes, though staff will post transactions the next business day.

• Citibank – Citibank observes the holiday across all states, closing urban storefronts and in-store kiosks on Presidents' Day. Digital tools continue unhindered, yet lobby cash withdrawals, cashier’s checks, and account maintenance services become unavailable until Tuesday morning.

• U.S. Bank – U.S. Bank suspends face-to-face banking for Presidents Day. The institution delays wire transfers because the clearing networks stop. Clients can still move money between internal accounts, but external wires queue until the Federal Reserve opens again.

• PNC Bank – PNC Bank shuts each branch for the holiday, leaving self-service machines and the application available. Deposit holds placed on Friday may release more slowly, as no staff reviews images, deposits, or disputes during the Monday closure.

• Capital One – Capital One locks its café-style locations and traditional branches on Presidents Day. You can pay card bills online, yet tellers cannot help with cash advances, debit replacements, or signature services until the following business day.

• Truist – Truist observes all federal bank holidays, including Presidents' Day, so branch doors remain shut. Clients will not meet consultants in person, though they may use mobile check deposit and automated phone support during holiday hours.

• TD Bank – TD Bank normally opens on many Sundays, yet it closes on Presidents' Day as banks do. Call center agents still process calls, but branch lending officers, wealth managers, and customer representatives resume appointments on Tuesday.

• Regions Bank – Regions Bank shuts its banking halls and drive-through lanes within its footprint on Presidents Day. Clients can still access partner ATMs, yet any payment orders submitted on Monday will wait in the queue until clearing resumes on Tuesday.

Are Online Banking and ATMs Available on President’s Day?

Yes. Although branches close, digital channels remain active. You can sign in to your bank’s website or mobile app on President’s Day and view balances, schedule bill payments, transfer money between internal accounts, and set up alerts. Card networks process debit card purchases at stores in real time because they rely on separate settlement rails.

What Transactions Are Affected on President’s Day?

The holiday affects any transaction that requires Federal Reserve settlement. Outgoing domestic wires cannot move, incoming wires posted late Friday might not credit until Tuesday, and foreign currency wires face the same pause.

Automated Clearing House batches, such as payroll direct deposits or next-day bill payments, also stand still. Paper checks dropped in night depositories will not gain a business-day timestamp, so their funds-availability clock begins on Tuesday. Mobile check deposits show as pending but will not clear.

What Is Open on President Day?

Banks may lock their doors, yet the day still looks much like a routine Monday for most daily errands. Many businesses and public venues prefer to welcome visitors who have the day off, so you will find a variety of open options.

• Grocery Stores - Groups such as Kroger, Publix, and Safeway are open on Monday. Customers have an opportunity to go around the aisles and visit the meat counter, pick up their prescriptions, and cash out at full-service lanes without paying holiday surcharges.

• Big-Box Retailers - Walmart and Target, both big-box stores, are present as usual. Deals with associates in stocking shelves, returning process, and running package seasonal markdowns that can be found on weekends, such as offering price drops on beds, kitchen utensils, and televisions.

• Shopping Malls - Regional malls will be open on Presidents day. They have escalators, food courts, and areas that operate and anchor stores provide fitting rooms. The families get a place to have recreation and shopping in one place under a roof.

• Dining Establishments and Coffeehouses - Eateries open on the President day. Kitchens make entire menus, baristas serve the espresso drinks, and servers do the table service. Lunch time is busy with office workers taking pleasure in the holiday.

• Gas Stations and Convenience Stores - Fuel and convenience stores remain open on Presidents day. Employees maintain the operation of pumps and coffee brewers and store snacks. Declining prices of pump by some chains attract motorists who are on holiday vacation.

• National Parks and Monuments - National Parks and Monuments are open on Presidents' Day. There are talk leader-guided rangers, roads, and an entrance fee. Wear warm clothes, since the mountain trails will be covered with snow or ice.

• Public Transit - Presidents Day has many buses, commuter trains, and subways that operate using a Saturday schedule. Stations are available, ticket sales offices are active, and routes may make omissions, and therefore passengers visit websites prior to travelling.

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FAQs

Is Presidents Day a banking holiday?

Yes, Presidents’ Day counts as a banking holiday because it aligns with the federal holiday schedule set by the Office of Personnel Management. When Federal Reserve branches close, nearly every commercial bank also pauses counter service, funds transfers processed through the Automated Clearing House, and other back-office clearing functions nationwide.

Does US mail run on Presidents Day?

No, the United States Postal Service does not deliver regular mail during Presidents' Day due to the fact that the agency subscribes to the same federal calendar used by other government offices. Post offices are closed, city carriers are not out of their routes, and rural carriers are not out with their trucks until next Tuesday morning.

Will direct deposit go through on Presidents Day?

Standard payroll direct deposits usually reach accounts on the business day before Presidents' Day because Automated Clearing House files cannot settle while the Federal Reserve is closed. If an employer submits late, the funds clear on Tuesday morning. Real-time payments through certain apps may still appear instantly despite the closure window.

Conclusion

President's Day is still a strong federal holiday, and this position draws banks on board. All major banking lobbies will be closed on Monday, February 16, 2026, wire rooms will be liveless and the ACH files will not be opened until the following morning.

However, the Internet, ATMs, and card systems are continuing to circulate money to spend on their daily tasks. Planning ahead can help you save from unwanted delays and charges. And leave your personal tips or experience in the comments, and make it easier to deal with banking on a holiday Monday.