Are banks open on Christmas? This is a question many are asking with Christmas falling on Thursday, December 25, in 2025. The answer is no. Christmas is one of several federal holidays this year, so banks will not be open.
However, Christmas Eve is not a bank holiday, though specific branches may close early.
As for stock market holidays – particularly for those asking "is the stock market open on Christmas" – both the stock and bond market close early on Christmas Eve and are closed for a full day on Christmas.
For those wondering what time does the market open for regular trading hours, both the Nasdaq Stock Market and the New York Stock Exchange (NYSE) are open from 9:30 am to 4:00 pm Eastern time Monday through Friday.
How to cut costs this holiday season
The holiday season is certainly a time when folks are looking to cut costs. Kiplinger's personal finance team has been busy crunching the numbers to find ways for you to save money, including uncovering nine types of insurance you probably don't need and whether switching to a yield-friendly online bank is worth it.
You also don't need to tip everyone. While it is certainly welcome and heartening to reward the people who have helped you throughout the year, not knowing who to tip or by how much can create anxiety. Kiplinger's holiday tipping guide provides guidance.
Below, we feature a full schedule of all U.S. bank holidays for 2025.
Bank holidays 2025
Date |
Day |
Holiday |
January 1 |
Wednesday |
New Year's Day |
January 20 |
Monday |
Martin Luther King, Jr. Day |
February 17 |
Monday |
Presidents' Day/Washington's Birthday |
May 26 |
Monday |
Memorial Day |
June 19 |
Thursday |
Juneteenth National Independence Day |
July 4 |
Friday |
Independence Day |
September 1 |
Monday |
Labor Day |
October 13 |
Monday |
Columbus Day/Indigenous Peoples' Day |
November 11 |
Tuesday |
Veterans Day |
November 27 |
Thursday |
Thanksgiving Day |
December 25 |
Thursday |
Christmas Day |
* This is the recommended bank market holiday schedule from the Federal Reserve. This schedule is subject to change.
