Are banks open on Christmas Eve? Yes, most bank branches are open on Christmas Eve 2025, but with reduced hours. Expect branches to close between noon and 3 PM rather than their usual 5 or 6 PM closing time. All banks are closed on Christmas Day, December 25, which is a federal holiday. Online and mobile banking remain available 24/7 throughout the holidays.
In 2025, Christmas Eve falls on a Wednesday, a regular business day. Banks observe Christmas Day (Thursday) as a federal holiday, but Christmas Eve is not a federal holiday, so branches typically open in some capacity.
Major Bank Holiday Hours
While specific hours vary by branch, here are typical Christmas Eve patterns for major banks:
Bank of America typically closes branches at 2 PM on Christmas Eve. Hours may vary by location, so check online or call your specific branch.
Chase generally closes early on Christmas Eve, usually around 2 PM. JPMorgan Chase offices follow the same schedule.
Wells Fargo branches typically close at 3 PM on Christmas Eve, though some locations close earlier.
Citibank follows a similar pattern with early closings, generally by 2 or 3 PM.
U.S. Bank, PNC, and TD Bank all close early on Christmas Eve, typically between noon and 3 PM depending on location.
Credit unions follow similar schedules, with many closing even earlier. Check your specific credit union’s holiday schedule.
What to Do If You Need Banking Services
If you need to complete banking transactions before the holiday, plan for Christmas Eve morning. Lines may be longer than usual as others have the same idea. Arrive early to ensure you finish before the early closing.
ATMs remain accessible throughout the holidays. Withdraw cash, make deposits (at deposit-enabled ATMs), and check balances as usual. Be aware that deposits made on Christmas Eve afternoon or Christmas Day may not process until the following business day.
Online and mobile banking work throughout the holiday period. Transfer funds, pay bills, and manage accounts from your phone or computer. Keep in mind that transactions initiated on the holiday may not complete until the next business day.
Direct deposits scheduled for Christmas Day typically arrive on Christmas Eve instead, since banks process payments the business day before a holiday.
Federal Reserve Holiday Schedule
The Federal Reserve closes on Christmas Day, meaning banks cannot process interbank transfers or complete certain transactions. This affects:
ACH transfers initiated close to the holiday may take an extra day to process. If you need funds to arrive before Christmas, initiate transfers by December 23 at the latest.
Wire transfers won’t process on Christmas Day. Complete time-sensitive wires by Christmas Eve morning at the latest, and earlier in the week for safety.
Check processing pauses on Christmas Day. Checks deposited on Christmas Eve may not clear until December 26 or 27.
Stock Markets and Financial Services
The New York Stock Exchange and NASDAQ are closed on Christmas Day but open for regular trading on Christmas Eve, closing at 1 PM Eastern Time (an early close).
Bond markets close early on Christmas Eve (2 PM Eastern) and are closed Christmas Day.
Most financial advisors and brokerage offices close early on Christmas Eve and are closed Christmas Day. If you need to reach your advisor, do so early in the week.
Summary
Most banks are open on Christmas Eve 2025 but close early, typically between noon and 3 PM. All banks are closed on Christmas Day. ATMs and online banking remain available throughout the holiday.
Plan ahead for any in-person banking needs by arriving on Christmas Eve morning. Initiate time-sensitive transfers by December 23 to ensure processing before the holiday. Direct deposits scheduled for Christmas Day typically arrive on Christmas Eve.
