Banks Open on Thanksgiving Day

Thanksgiving Day, always the fourth Thursday of November, is a U.S. federal holiday. All U.S. bank branches are closed on Thanksgiving Day at every standalone, supermarket-based, in-Walmart, and shopping-mall location. ATMs are available 24/7, mobile apps and online banking are 24/7, and most major-bank 24/7 phone customer service lines still work on Thanksgiving Day. Because Thanksgiving is anchored to a specific weekday (Thursday), there is no observance shift to a different day, which makes Thanksgiving the simplest closure to plan around among the U.S. federal holidays.

The biggest Thanksgiving banking question is actually about Black Friday, the day after Thanksgiving and the unofficial start of the U.S. holiday shopping season. Black Friday is NOT a U.S. federal holiday and bank branches are open with normal Friday hours at almost every major bank. Some banks close early on Black Friday as a courtesy to employees (typically 1 PM or 3 PM) but the majority operate full Friday schedules. This is one of the most-Googled bank-holiday questions every November, and the answer is consistently the same: yes, banks are open Black Friday.

This page covers Thanksgiving Day banking for 2026 (Thursday November 26), 2027 (Thursday November 25), and 2028 (Thursday November 23); the Wednesday-before-Thanksgiving normal-hours pattern; the Black Friday open status and which banks observe Black Friday early-close hours; the Saturday-after-Thanksgiving Small Business Saturday banking schedule; ATM, mobile app, and 24/7 customer service alternatives during the Thursday closure; direct deposit and wire transfer timing through Thanksgiving week; and FAQ items on the four-day Thanksgiving weekend.

Thanksgiving Day 2026: Thursday November 26

All U.S. bank branches are closed Thursday, November 26, 2026. Thanksgiving 2026 falls on Thursday November 26 (the fourth Thursday of November 2026). Banks operate on normal Wednesday hours November 25, are closed all day Thursday November 26, operate normal Friday hours on Black Friday November 27 (most banks open full hours; some close at 1 PM or 3 PM), and resume normal Saturday hours November 28 (Small Business Saturday).

Thanksgiving Day next 3 years: 2026, 2027, 2028

Why Thanksgiving is calendar-simple: Thanksgiving is always the fourth Thursday of November in the U.S., set by 1941 federal law (when President Roosevelt signed the bill setting Thanksgiving as the fourth Thursday after 2 years of experimenting with moving it earlier). Because the holiday is anchored to a specific weekday (Thursday) rather than a specific date, there is never an observance shift to a different day. This is in contrast to Christmas Day (December 25 fixed date, shifts to Friday or Monday when on weekend), New Year’s Day (January 1 shifts), or July 4th (shifts).

Map of banks near me

Banks are closed Thanksgiving Day. Use the map below to locate your nearest bank for the day before Thanksgiving, Black Friday, or Small Business Saturday banking, and to find 24/7 ATMs.

Black Friday banking: yes, banks are open

The most-Googled bank-holiday question every November is some variation of “are banks open on Black Friday”. The answer is consistently yes. Black Friday, the day after Thanksgiving, is not a U.S. federal holiday. The Federal Reserve treats Black Friday as a regular business Friday. Fedwire and ACH operate normally on Black Friday. Bank branches at almost every major U.S. bank are open Black Friday with normal Friday hours.

The complication is that some banks close early on Black Friday as a courtesy to employees, recognizing that staffing is harder the day after a major holiday and customer demand is lower (most people are shopping or traveling, not banking). Typical Black Friday early-close hours are 1:00 PM or 3:00 PM local time. The early-close policy varies by bank and by branch within a bank, so confirm with your specific branch.

Bank-by-bank typical Black Friday hours:

Banks closed all day Thanksgiving (the complete list)

All major U.S. retail banks are closed Thanksgiving Day at every branch. The closure is universal across:

• National banks: Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC, TD Bank, Truist, Capital One, BMO Bank
• Regional banks: Huntington, Fifth Third, KeyBank, M&T, Regions, Citizens, Santander, Comerica, First Horizon, First Citizens, Atlantic Union, Prosperity, Frost, WaFd, Banner, FNBO
• Hawaii banks: Bank of Hawaii, First Hawaiian Bank (closed Thanksgiving HST)
• In-Walmart and supermarket-based branches: Woodforest in Walmart (Walmart is open Thanksgiving Day morning at some stores in some years; Woodforest branches inside Walmart generally close Thanksgiving Day regardless of host Walmart status), U.S. Bank Safeway / Vons / Albertsons in-store (closed Thanksgiving), Chase Acme / ShopRite (closed Thanksgiving), Citizens Stop & Shop (closed Thanksgiving)
• Online-only banks: Ally, Marcus, Discover, Synchrony, SoFi (no physical branches; mobile and online 24/7)
• UK and international banks at U.S. offices: HSBC, Barclays, NatWest, Lloyds, Deutsche Bank (these banks observe Thanksgiving at their U.S. offices despite Thanksgiving not being a U.K. holiday)
• Indian banks at U.S. branches: HDFC, ICICI, SBI, Bank of Baroda, Canara, PNB, Axis, RBL (closed at U.S. branches)
• Credit unions: Navy Federal, PenFed, SECU of NC, and most other U.S. credit unions are closed Thanksgiving

What still works on Thanksgiving Day

24/7 ATMs work normally

ATMs at all major U.S. bank branches are available 24 hours a day on Thanksgiving Day. Most modern ATMs accept cash and check deposits via Envelope-Free Deposit, with funds typically credited the next business day. Because Thanksgiving Day falls on a Thursday, a deposit made Thanksgiving Day Thursday will credit Black Friday (the next Fedwire business day). Drive-thru ATMs at standalone branches are also 24/7 on Thanksgiving. See our ATM Near Me page.

Mobile apps and online banking are 24/7

Every major U.S. bank mobile app and online banking platform runs 24/7 on Thanksgiving, supporting: balance inquiry, transfer between accounts, bill pay scheduling, Zelle transfers (24/7 within the U.S.), Mobile Check Deposit, card lock and unlock, account statements, and dispute filing. Zelle transfers between U.S. banks settle within minutes 24/7 including on federal holidays.

24/7 customer service phone lines

Most major U.S. banks have 24/7 phone customer service for at least some functions, including Thanksgiving Day:

• Bank of America credit card 1-800-421-2110, mortgage 1-800-669-6607
• Chase credit card 1-800-432-3117, deposit 1-800-935-9935
• U.S. Bank 24-Hour Banking 1-800-USBANKS
• Wells Fargo 1-800-869-3557
• Truist credit card 844-4TRUIST
• Citi credit card 1-800-950-5114
• Capital One 1-877-383-4802
• WaFd 1-800-324-9375 (live specialists 24/7)
• Huntington credit card 1-800-340-4165
• Lost or stolen card 24/7: every major bank has a dedicated 24/7 number on the back of every card

Direct deposit and bill pay timing across Thanksgiving week

Federal Reserve ACH (Automated Clearing House) and Fedwire systems are closed on Thanksgiving Day. This affects direct deposit, ACH payments, and wire transfers:

• Direct deposit scheduled for Thursday Thanksgiving: will not post Thursday. Most banks make funds available on Wednesday (the preceding business day) as a courtesy. Banks with “Early Pay” or “Direct Deposit Up to 2 Days Early” features (Chime, Varo, SoFi, Discover, Capital One 360, Ally) commonly post the Thanksgiving payday on Tuesday.
• Bill payments scheduled for Thanksgiving Day: will be processed on Black Friday if scheduled via ACH. The bill posts as paid on Thanksgiving (debit reflects in your account) but the actual ACH transfer to the payee settles Friday.
• Wire transfers: Fedwire is closed Thanksgiving Day. A wire scheduled for Thanksgiving Day will queue and process Black Friday morning. For same-day urgent transfers across Thanksgiving, use Zelle (24/7 between U.S. banks).
• Federal benefits (Social Security, SSI, VA): typically arrive on the scheduled benefit day or the preceding business day if the schedule falls on a federal holiday. Social Security checks scheduled Thanksgiving Day should arrive Wednesday.

The Wednesday before Thanksgiving: a busy banking day

The Wednesday before Thanksgiving (Nov 25 in 2026) is one of the busier banking days of the year, particularly at suburban branches in U.S. metros where customers stop in to get cash before Thanksgiving travel and shopping. Banks operate on normal Wednesday hours: typically 9 AM to 5 PM lobby, longer drive-up. Common requests on Wednesday-before-Thanksgiving include large cash withdrawals for the holiday weekend, money orders for hosting payment, foreign currency for travel, and deposits before the Thursday closure.

If you need a large cash withdrawal Wednesday and your branch has a limited cash supply, call ahead in the morning to confirm availability. Banks sometimes run low on cash by mid-afternoon Wednesday-before-Thanksgiving in suburban markets with high demand.

Small Business Saturday after Thanksgiving

The Saturday after Thanksgiving (Saturday Nov 28 in 2026) is Small Business Saturday, an American Express-launched but now broadly-recognized shopping day promoting small business retail. From a banking perspective, Saturday-after-Thanksgiving is a normal Saturday with regular Saturday hours at most banks (typically 9 AM-12 PM or 1 PM lobby). Drive-up at most banks open Saturday morning. Customer service phone lines operate on regular Saturday schedules.

Many small businesses make deposits or process credit card batches the Saturday after Thanksgiving, expecting strong sales. Banks may have higher Saturday traffic Small Business Saturday than typical Saturdays. See our Banks Open on Saturday Near Me page for Saturday hours by bank.

Cyber Monday (Monday after Thanksgiving)

The Monday after Thanksgiving (Monday Nov 30 in 2026) is Cyber Monday, the unofficial online-shopping equivalent of Black Friday. From a banking perspective, Cyber Monday is a normal Monday with regular weekday hours. Bank branches operate full Monday schedules. Direct deposit and ACH transactions delayed by Thursday-Thanksgiving typically catch up Monday Cyber Monday. Credit card spending on Cyber Monday is among the highest of the year, so credit card customer service and fraud lines (which are 24/7 at most banks) typically have elevated call volumes.

Frequently asked questions

Are banks open on Thanksgiving Day?

No. All U.S. bank branches are closed on Thanksgiving Day (the fourth Thursday of November). ATMs at branches are available 24/7, mobile apps and online banking are 24/7, and most major-bank 24/7 phone customer service lines still work on Thanksgiving Day.

Are banks open on Black Friday (the day after Thanksgiving)?

Yes. Black Friday is not a U.S. federal holiday. Bank branches at almost every major U.S. bank are open Black Friday with normal Friday hours. The Federal Reserve treats Black Friday as a regular business Friday and Fedwire and ACH operate normally. Some banks close early on Black Friday as a courtesy to employees (typically 1 PM or 3 PM); most operate full Friday schedules.

What time do banks open on Black Friday?

Most U.S. banks open at normal Friday lobby hours on Black Friday: typically 9:00 AM local time, with TD Bank opening at 8:30 AM and drive-up windows at many banks opening at 8:00 AM. Capital One Cafes open at 8:00 AM. The few banks that close early on Black Friday do so in the afternoon (1 PM or 3 PM), not the morning.

Are banks open the day before Thanksgiving?

Yes. The Wednesday before Thanksgiving is not a federal holiday and banks operate on normal weekday hours, typically 9 AM-5 PM lobby with longer drive-up. The Wednesday before Thanksgiving is one of the busier banking days of the year as customers prepare for the four-day holiday weekend.

Are banks open on Small Business Saturday?

Yes. The Saturday after Thanksgiving (Small Business Saturday) is a normal Saturday at U.S. banks. Most major banks operate Saturday morning hours typically 9 AM-12 PM or 1 PM. Drive-up windows are open at most banks. See our Banks Open on Saturday Near Me page for Saturday hours by bank.

What time does Thanksgiving fall in 2026, 2027, 2028?

Thanksgiving is always the fourth Thursday of November. The dates are: Thursday November 26, 2026; Thursday November 25, 2027; Thursday November 23, 2028. Because Thanksgiving is anchored to the fourth Thursday, there is never an observance shift to a different day, unlike federal holidays anchored to specific dates (like Christmas Day December 25).

Will direct deposit arrive on Thanksgiving Day?

No. Direct deposits scheduled for Thanksgiving Day cannot post because the Federal Reserve ACH system is closed. Most banks make funds available on Wednesday (the preceding business day) as a courtesy. Banks with “Early Pay” or “Direct Deposit Up to 2 Days Early” features (Chime, Varo, SoFi, Discover, Capital One 360, Ally) commonly post the Thanksgiving payday on Tuesday.

Can I deposit a check on Thanksgiving Day?

Yes, three ways: (1) Mobile Check Deposit through your bank’s mobile app, available 24/7 at every major U.S. bank; (2) at a 24/7 branch ATM that supports deposits via Envelope-Free Deposit; (3) at a Thanksgiving-open branch (almost none). Mobile Check Deposit is the fastest option. Funds typically credit the next business day, which for Thanksgiving Thursday is Black Friday.

Can I do a wire transfer on Thanksgiving Day?

No. Fedwire is closed Thanksgiving Day. A wire scheduled or initiated on Thanksgiving Day will queue and process on Black Friday. For same-day urgent transfers across Thanksgiving, use Zelle (available 24/7 between U.S. bank accounts including federal holidays).

Are credit card payments processed on Thanksgiving Day?

Credit card swipe and online purchase authorizations are processed 24/7 including Thanksgiving Day (which is critical because Black Friday weekend is one of the highest credit card transaction volumes of the year). Card payments to your credit card account are recorded immediately but the ACH settlement to the card issuer happens Black Friday.

Are international banks closed for U.S. Thanksgiving?

U.S. branches of international banks (HSBC, Barclays, NatWest, Deutsche Bank, the major Indian banks) are closed on U.S. Thanksgiving because their U.S. offices observe U.S. federal holidays. Their home-country branches (in the UK, India, etc.) are NOT closed for U.S. Thanksgiving since Thanksgiving is uniquely a U.S. and Canadian holiday. International SWIFT wires between U.S. and non-U.S. systems still queue on Thanksgiving because the U.S. side is closed.

Is Canada’s Thanksgiving the same as the U.S.?

No. Canadian Thanksgiving is the second Monday of October, not the fourth Thursday of November. U.S. and Canadian Thanksgiving are unrelated as banking holidays. U.S. banks operate on U.S. Thanksgiving schedules; Canadian banks operate on Canadian Thanksgiving schedules.

How do I get cash on Thanksgiving Day if I am traveling?

Use any U.S. bank ATM (24/7 on Thanksgiving). Surcharge-free ATM networks (Allpoint for online banks and credit unions, MoneyPass for U.S. Bank and FNBO) provide thousands of fee-free ATMs nationwide. Cash back at retail (grocery stores, pharmacies, Walmart, Target that are open Thanksgiving Day) offers up to $50-$100 cash back; many major retailers are closed Thanksgiving Day but pharmacies and some grocery chains are open. Zelle works 24/7 to send money between U.S. bank accounts.

For more banking guides

• Banks Open on Holidays Near Me, the full 11 federal holiday schedule including Thanksgiving and the rest of the year
• Banks Open on Christmas Day, the Dec 25 closure, Christmas Eve early-close hours, and Boxing Day handling
• Banks Open Now Near Me, the right-now lookup matrix by day-of-week and time-of-day
• Banks Open on Saturday Near Me, Saturday hours by bank, useful for Small Business Saturday
• Banks Open on Sunday Near Me, the short list of Sunday-open banks
• Drive Thru Banks Near Me, drive-up window vs drive-thru ATM, hours by bank, and 24/7 ATM details
• ATM Near Me, find ATMs at any bank, surcharge-free options, and Envelope-Free Deposit ATMs
• Banks Near Me homepage, a directory of 80+ U.S., U.K., and international banks