Plan Out Your Year: The Complete Texas Bank Holiday List

Esha Jain
Esha Jain Things to Know
9 Min Read
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Many banks in Texas remain closed in observance of some special days. It is essential to know these days so you can plan your financial activities better in advance. The following days listed below are all the bank holidays observed in Texas. You can go ahead and mark your calendars up.

1. New Year’s Day on January 01

New Years Celebration
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As the hands of the clock strike midnight, we say our byes to the old year and welcome the next one with new spirit and joy. The start of the new year marks a holiday not just for the banks in Texas but also for the postal services, government offices, the stock market, and a few corporations. Central Banks, including The Federal Reserve, Nasdaq and others, will be on a holiday this day.

Banks are not required to close on federal holidays, but most are often not open. It is better to wait and make any critical transaction on January 2 instead.

2. Martin Luther King, Jr (MLK) Day

MLK Day is held on the third Monday of January every year to celebrate the birth and legacy of Martin Luther King, Jr. It is designated as a National Day of Service, during which many Americans volunteer to serve those in need and improve their communities by cleaning up public spaces and distributing food to the poor.

Parade on Martin Luther King Jr. Day
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MLK Day of Service honours the Civic Rights Leader’s activism and selfless service to the people. Cities in Texas like Houston, Dallas, Austin, and San Antonio conduct rallies, massive parades, inspiring educational activities and festivals to pay homage to the leader. The Texas banks, schools, and significant postal & shipping services will be closed on this official holiday.

3. President’s Day

Every year on the third Monday in February, the United States celebrates President’s Day in honour of its first President, George Washington, who served from 1789 to 1797. Though formally known as Washington’s Birthday, the holiday is also an occasion to celebrate all the former and present U.S. presidents.

Mount Rushmore, a national memorial of 4 U.S. Presidents: George Washington, Thomas Jefferson, Theodore Roosevelt and Abraham Lincoln
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Banks have the authority to follow their schedules on this day, but many postpone transactions until the next working day. While all Bank branches will be closed, online transactions and ATMs will still be accessible.

4. Memorial Day

Memorial Day- Remembrance of U.S. Martyrs
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Memorial Day is every last Monday in May. It is a federal holiday to honour and mourn the military personnel who died while serving in the U.S. military.

The Federal Reserve System and many other banks, including Bank of America, Texas Regional Bank, Bank of Texas, Texas Security Bank, Chase Bank, PNC Bank, and Wells Fargo, are closed in observance of this day. ATMs will be available to withdraw cash and make a deposit.

5. Juneteenth (National Independence Day) on June 19

Juneteenth Freedom Day Celebration. African American people raised fists in the air.
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The name “Juneteenth” is a combination of the words “June” and “nineteenth,” referring to the holiday’s day. The United Nations celebrates this day on June 19 each year to commemorate the emancipation of enslaved African Americans in Texas. Signifying the end of Slavery in the United States, the day is also called Emancipation Day, Jubilee Day or Freedom Day.

In 2021, President Joseph Biden signed a Legislation that officially made Juneteenth a federal holiday.

Many Banks in Texas, such as Bank of America, Wells Fargo, JP Morgan and TD Bank, will be closed in observance of the nation’s youngest federal holiday. ATM branches will operate normally.

6. Independence Day on July 04

Fourth Of July- American Flag
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Independence Day is a National Holiday in the U.S. on July 4. The day celebrates the adoption of the Declaration of Independence by the Continental Congress in 1776, which announced the political separation and independence of thirteen North American colonies from the rule of Great Britain.

Like the country, Texas celebrates the Fourth of July with fireworks, parades, and other festivities. Of course, all banks are shut down on this day.

7. Labor Day

Labor Day on September 02 in USA
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Labour Day is celebrated on the first Monday of September, marking another long weekend of the year. As it is a Federal holiday, celebrated by all of America in recognition of the American Labour Movement and appreciation of the contributions and achievements of labourers in America, most corporations and banks observe a holiday.

8. Columbus Day

Monument to Christopher Columbus at Santa Margherita Ligure, Liguria, Italy, sculpted by Odoardo Tabacchi in 1892.
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Columbus Day is a federal holiday observed annually in the United States on the second Monday in October. It is a celebration honouring Christopher Columbus’ arrival in the New World (the Americas) on October 12, 1492 (the traditional holiday date). It marks the start of America’s recorded history.

However, Texas does not officially recognize Columbus Day as a paid state holiday. As Banks in Texas typically follow the federal holiday schedule regarding closures, many remain closed on this day. However, it’s always better to double-check with your local branches.

9. Veterans Day on November 11

Veterans Day on November 11
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Veterans Day is celebrated annually in the United States on November 11. It is a holiday to pay tribute to the veterans who have served in the U.S. military in past wars and even those serving in the current operations. Parades and various ceremonies are held to honour the veterans and their families.

Banks are typically closed, while some might be open for limited hours.

10. Thanksgiving Day

Thanksgiving Day Dinner
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A day of gratitude, Thanksgiving is an annual national holiday celebrated on the fourth Thursday of November in America and Canada. Celebrating the season of harvest and blessings received in the past year, most families cook an enormous feast, which includes turkey, gravy, sweet potatoes, and other traditional foods. The day is based on the 1621 harvest meal of the Colonial Pilgrims. Banks in Texas naturally observe a holiday on this day.

11. Christmas Day on December 25

Christmas Day Decoration
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Christmas Day is a popular holiday enjoyed by everyone in the United States. It is a Christian festival that celebrates the birth of Jesus Christ on December 25. Schools, corporations, and banks are closed on this day. On Christmas Eve, banks operate under regular business hours, but some might close early in the day.

Other Possible Holidays & Conclusion

Though not all, a few banks in Texas may observe state holidays that include days like,

  • Confederate Heroes Day on January 19
  • Texas Independence Day on March 2
  • San Jacinto Day on April 21
  • and Lyndon Baines Johnson Day on August 27, among a few others.

As always, please call your local bank or check their website to confirm their working days and hours.

While banks are physically closed, Online Banking Services such as Automated Clearing House (ACH) Network, Wire, Remote Deposit, Capture and Mobile Deposit Capture are always available for many banking activities. However, the money transferred through these services will be processed the following business day. Most ATMs also operate on these days.

Last Updated on by Khushahal Malakar

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