Are Banks Closed on MLK Day 2026?

If you need to run errands over the long weekend, you might be wondering: Are banks closed on MLK Day 2026? Martin Luther King Jr. Day is a federal holiday that honors the life and legacy of the civil rights leader. In 2026, it falls on Monday, January 19. As with most federal holidays, government offices and banks will be closed.

Are Banks Closed on MLK Day 2026?

Yes. Most banks and credit unions will be closed on Monday, January 19, 2026, in observance of Martin Luther King Jr. Day. This includes major institutions like:

• Bank of America
• Wells Fargo
• Chase
• Citibank
• PNC
• Truist
• U.S. Bank

Credit unions and regional banks typically follow the same federal holiday schedule.

Can I Still Access My Bank Account?

Absolutely. Even though physical branches will be closed, you can still manage your finances online:

• Transfer funds
• Pay bills
• Deposit checks via mobile app
• Check balances
• Set up alerts or transfers

Just note that some transactions may not process until Tuesday, January 20, when banks reopen.

Are ATMs Open on MLK Day?

Yes. ATMs remain open 24/7, including on holidays. You can:

• Withdraw cash
• Check balances
• Make deposits (at select machines)

Drive-through ATMs and machines inside grocery stores or gas stations will also be accessible.

Bank Holidays 2026

Banks and credit unions typically observe 11 federal holidays each year. In 2026, those include:

If a holiday falls on a weekend, it’s typically observed on the nearest weekday.

Regular Bank Hours

Most banks operate:

• Monday–Friday: 8 or 9 a.m. to 5 p.m.
• Saturday: Limited hours (often 9 a.m. to 1 p.m.)
• Sunday: Closed (except select TD Bank and supermarket branches)

Always check your local branch’s hours online or by phone.

How are you spending your MLK Day weekend? Volunteering, relaxing, or catching up on errands? Let us know in the comments.

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Amanda Blankenship

Amanda Blankenship is the Chief Editor for District Media.  With a BA in journalism from Wingate University, she frequently writes for a handful of websites and loves to share her own personal finance story with others. When she isn’t typing away at her desk, she enjoys spending time with her daughter, son, husband, and dog. During her free time, you’re likely to find her with her nose in a book, hiking, or playing RPG video games.