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Bank opening hours on 2021 Christmas Eve and Day: Bank of America, Citi, Wells Fargo, JP Morgan, Goldman Sachs

It’s that most wonderful time of the year again, and in the rush to get everything ready you may have forgot to go to the bank? Here’s when they are open…

It’s that most wonderful time of the year again, and in the rush to get everything ready you may have forgot to go to the bank? Here’s when they are open…
Carlo AllegriREUTERS

Whether baking up cookies with the kids, picking up those last-minute gifts or meeting up with friends to share the holiday spirit, one can easily overlook having to do the mundane. If you need to do any banking before Christmas, you’ll need to get to the bank before Saturday and earlier than normal if its Christmas Eve.

Christmas is one of 13 bank holidays in the US when the Federal Reserve closes. Even though banks are not required to close on 25 December, don’t expect to find one open. Given that the 25th is on Saturday, the bank holiday will be on Friday, so inter-bank transactions will not be processed until the next business day. However, banks should be open on Friday 24 December but with shorter than normal operating hours. If you're in a pinch, you can always use online banking services.

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When will banks be open?

Many businesses including banks close on Christmas Day. However, on Christmas Eve your bank branch should be open but will have shorter hours. Otherwise, you’ll need to wait until the next business day, which will be Monday 26 December this year.

Call your local bank branch to see what their hours will be on Christmas Eve as most will close early to let their employees be with their loved ones. Last year some banks were requiring customers to make appointments for in-person business to limit the number of people in offices due to covid-19. With the US experiencing yet another surge going into the holiday season you may want to check before you jump in the car.

At most banks, if you must do any transactions on Christmas Eve or Day you can use an ATM or online banking service. However, be aware that the Federal Reserve will be closed Christmas Day, as well as Christmas Eve this year, so any money transfers done between banks online will not be processed until the following business day.

For those who need to do Market Mutual Funds transactions with JP Morgan banks and some of their third-party partners, there are early cut-off times for Christmas Eve, as well as days before and after other observed US holidays.

What to do in an emergency

If you need to make a transfer to someone in a hurry on Christmas Day you can look into using a peer-to-peer or mobile payment system like Venmo but research which one you are going to use first since not all send money instantly. The best option is to check with your bank to see if they have a service already integrated into their online app.

You can also try calling your local bank to see if they are open or have someone watching the helm, but don’t be surprised if no one picks up the phone.

Bank opening hours Christmas Eve

Here is a list of opening hours on Christmas Eve for some banks. Always call first to confirm. You can locate an office near you by clicking on the links below.

Bank of America: Most branches open 9 am to 2 pm

Capital One: Most branches open 9 am to 2 pm

Chase: Most branches open 9 am to 3 pm

Citi: Most branches open 9 am to 2 pm

US Bank: Branches may be open 10 am to 2 pm, but hours vary widely and some branches will be closed

Wells Fargo: Most branches open 9 am to 3 pm


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