Are banks open on Christmas Eve?
Banks · Christmas Eve
Open
Yes — banks are open on Christmas Eve, though some branches close early.
Christmas Eve is not a Federal Reserve holiday, so it's a normal business day for banks — deposits post and wires move. Plenty of branches trim afternoon hours, so an end-of-day errand is worth a call first.
When Christmas falls on a Saturday, the Fed keeps that Friday (December 24) open as well — banks are open on a day federal offices take off.
| Holiday | Date | Status |
|---|---|---|
| Christmas Eve | Thursday, December 24, 2026 | Open Open on Christmas Eve — some branches close early; check yours. |
| Christmas Day | Friday, December 25, 2026 | Closed |
| Christmas Eve | Friday, December 24, 2027 | Open Banks are open Friday December 24 — Christmas falls on Saturday, and the Fed doesn't move Saturday holidays to a weekday. Federal offices are closed today; banks aren't. |
| Christmas Day | Saturday, December 25, 2027 | Closed Branches that keep Saturday hours are closed for the holiday too. |
What else on Christmas Eve?
| Who | Status |
|---|---|
| Mail & the Post Office | Open Yes — mail is delivered on Christmas Eve, though some post office lobbies close early. |
| The Stock Market | Early close Yes — but it's a half day: when December 24 is a trading day, the stock market closes at 1pm ET. |
| UPS | Varies It depends on direction — UPS delivers on Christmas Eve, but there's no Ground pickup. |
| FedEx | Varies Yes — FedEx delivers on Christmas Eve, with Ground pickups modified. |
| Federal Offices | Varies It depends — December 24 is normally a regular workday for federal offices, but in some years it isn't. |
| Schools | Closed No — December 24 falls inside winter break in nearly every district. |
Questions people ask
Do wires and transfers go through on Christmas Eve?
Yes — it's a business day for the Federal Reserve's payment systems, so same-day wires work as normal, subject to your bank's cutoff times.
Checked against the Federal Reserve holiday schedule, verified August 2026. When a schedule for a new year has not been published yet, this page says so — it never guesses.