With Christmas just around the corner, many people are wondering about banking operations on Christmas Eve 2025. Whether you need to withdraw cash, make payments, or visit your local branch, it’s important to know what’s open and what’s closed on December 24, 2025.
Here’s everything you need to know to plan your banking and errands this holiday season.
Are Banks Open on Christmas Eve 2025?
In the United States, Christmas Eve (December 24) is not a federal holiday, but most banks follow early closure schedules. This means that while banks might be open during the day, hours are typically reduced.
Major banks like Chase, Bank of America, Wells Fargo, and Citibank usually close early at 1:00 PM or 2:00 PM local time.
Online banking, mobile apps, and ATMs remain available 24/7.
Tip: If you need to complete urgent transactions, it’s best to visit your branch before noon on December 24, 2025.
Full List of Bank Operations on Christmas Eve 2025
Here’s a quick overview of the most popular banks in the US and their likely schedule:
| Bank | Christmas Eve 2025 Status | Notes |
|---|---|---|
| Chase Bank | Open, early close | Usually closes by 1 PM |
| Bank of America | Open, early close | Most branches close by 1 PM |
| Wells Fargo | Open, early close | Some branches close at 2 PM |
| Citibank | Open, early close | Online services available |
| US Bank | Open, early close | Limited services in-branch |
| PNC Bank | Open, early close | Check local branch timings |
| TD Bank | Open, early close | Some locations may close early |
What Other Services Are Open on Christmas Eve?
Besides banks, here’s a geo-focused look at services in the US during Christmas Eve 2025:
- Grocery stores: Most stores like Walmart, Target, and Kroger remain open, but closing hours may be earlier than usual.
- Post offices: USPS branches generally close early in the afternoon, check your local branch.
- Restaurants & cafes: Chains like Starbucks and McDonald’s usually remain open for regular hours.
- Public transport: Metro, buses, and trains operate on holiday schedules in major cities like New York, Chicago, and Los Angeles.
How to Plan Your Banking on Christmas Eve
- Use online banking – Avoid branch queues and late closures.
- Check your local branch hours – They vary by city and state.
- Plan ahead – Transfer funds or withdraw cash a day earlier if possible.
- Use ATMs – Most ATMs remain operational 24/7 even on holidays.
Quick Summary
- Christmas Eve 2025 is not a federal holiday, but banks close early.
- Major banks like Chase, Bank of America, Wells Fargo, and Citibank close around 1–2 PM.
- Online banking, ATMs, and mobile apps remain available.
- Other services like grocery stores, cafes, and public transport operate on holiday schedules.
Bottom line: If you need to visit a branch, do it early, or rely on digital banking solutions to avoid last-minute stress.
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