Are Banks Open on Black Friday 2025 and 2026?

There are some holidays like Christmas when we know banks are closed, but are banks open on Black Friday? Though it may seem like an unofficial federal holiday, many banks are open on Black Friday. This is because many states consider the day after Thanksgiving a state holiday, which means bank locations in those states may be closed. For 2025, Black Friday is on November 28, and it falls on November 27 in 2026.

If you need financial support beyond banking, a financial advisor can help you create a financial plan.

Is Your Bank Open on Black Friday?

Although many would consider Black Friday a holiday unto itself, it is not a federal holiday. So, unlike on a true bank holiday, most banks with stand-alone brick-and-mortar locations will be open that Friday. It’s possible, however, that these banks may have shortened hours, so you should check with your local branch to inquire about the day’s hours ahead of time.

Another thing to keep in mind is that in about half of U.S. states, the day after Thanksgiving is considered a state holiday. Some local banks and credit unions may be closed in these states as a result. Additionally, bank branches that operate within other businesses, such as locations in supermarkets and on college campuses, may also be closed as a result of these businesses being closed.

The states in the table below have state holidays on the day after Thanksgiving. If you live in one of these states, call your local branch or check your bank’s website before visiting that day.

States That Consider Black Friday a Holiday

– California
– Delaware
– Florida
– Illinois
– Iowa
– Kansas
– Kentucky
– Louisiana
– Maine
– Michigan
– Minnesota

– Nebraska
– Nevada
– New Hampshire
– North Carolina
– Oklahoma
– Pennsylvania
– South Carolina
– Tennessee
– Texas
– Virginia
– West Virginia

Federal Holidays When Banks Are Closed

A group of people in line at the bank before Black Friday.

While most banks will be open on Black Friday, Thanksgiving is a different matter. Thanksgiving Day is a federal holiday, meaning it was established by law as a day non-essential government businesses are closed. This also means that it’s a bank holiday, so you can be sure your local bank will be closed on Thanksgiving Day.

Many businesses also close their doors early on the Wednesday before Thanksgiving to give their employees extra time to travel or spend time with family. Although banks usually don’t abide by this policy, it doesn’t hurt to call your bank and ensure it’s not closing early that Wednesday.

These are the U.S. federal holidays when bank branches will be closed.

U.S. Bank Federal Holidays

Holiday	2025 Dates	2026 Dates
New Year’s Day	January 1	January 1
Martin Luther King Day	January 20	January 19
Presidents’ Day	February 17	February 16
Memorial Day	May 26	May 25
Independence Day	July 4	July 4
Labor Day	September 1	September 7
Columbus Day	October 13	October 12
Veterans Day	November 11	November 11
Thanksgiving Day	November 27	November 26
Christmas Day	December 25	December 25

How to Access Your Bank Account on Thanksgiving

You may be planning on starting your shopping on Thanksgiving itself, as some stores are open late that day. If you don’t have time to stop by your bank in the days before you go shopping, simply visit one of its fee-free ATMs.

Any bank with physical locations will have these cash machines. These can normally be found at your bank’s branches and stand-alone locations, but they may also have a partnership with a larger ATM network like Allpoint. You’ll just need your debit card to make an ATM withdrawal.

If you want to check your account balance, make an inter-account transfer or pay your bills, online banking is the quickest way to go. This service is available at virtually every bank and can be extremely valuable.

Mobile banking apps almost always provide many of the same benefits, along with mobile check deposit and an ATM locator. Offerings such as these could be lifesavers on Thanksgiving.

Need to borrow money from family or friends to fund that Black Friday excursion? Money transfer apps like Venmo and PayPal will let you do so from your phone. Many banks are also building their own money transfer services or teaming up with existing apps, such as Zelle®. If you need to lend or borrow money from friends or family, you might be able to do so from your bank’s mobile app.

What to Do If Your Bank Is Closed on Black Friday

If your local bank branch is closed on Black Friday, you can still manage most of your everyday banking through digital channels. Mobile apps and online banking platforms allow you to check balances, transfer funds, pay bills and review recent transactions without visiting a branch. If you need cash, fee-free ATMs in your bank’s network are still accessible and can handle withdrawals or, in some cases, deposits.

For more time-sensitive needs, such as reporting a lost debit card or resolving account issues, many banks offer 24/7 customer service by phone or live chat. It is helpful to have your account information on hand if you need to verify your identity. If your bank participates in services like Zelle, you can also send or receive money instantly through the mobile app, which is useful during busy holiday shopping periods.

If you are planning to make large purchases on Black Friday, consider checking your debit card limits ahead of time. Some banks allow you to temporarily raise spending limits through the app or by calling customer support. Doing this in advance can help avoid declined transactions while shopping.

Even if your bank is closed physically, most tools are still available to keep your finances running smoothly.

Bottom Line

In the world of modern banking, there are tons of ways in which you can access your bank account’s funds without needing to speak to a teller at a branch location. With ATMs, debit cards and mobile banking apps, bank branches are fairly outdated. However, because Black Friday doesn’t hold federal holiday status, you may very well be able to visit your bank before you do some shopping. Just remember to check with your bank ahead of time.

Tips to Better Your Banking Experience

Your bank account is just one part of your financial picture. If you want to grow your money and be financially secure, a financial advisor can help you create a financial plan. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
You don’t need to worry about your bank’s branches closing if your bank doesn’t have any branches. Online-only banks offer great desktop and mobile portals for conducting your banking business 24/7. Plus, these online banks tend to have much better interest rates on savings accounts and other deposits.