On Monday, April 21, 2025, the operational status of banks will depend on their geographical location. Patriots' Day is a state-level holiday observed in Massachusetts and Maine, but it is not a federal holiday. Consequently, most banks across the United States will be open and follow their standard business hours. However, financial institutions located within Massachusetts and Maine will generally be closed in observance of the holiday.
The distinction between state and federal holidays is critical for the banking system. The Federal Reserve System, which processes transactions like wire transfers and Automated Clearing House (ACH) payments, does not recognize Patriots' Day on its holiday schedule. Therefore, all Federal Reserve Banks will be operational, and nationwide electronic banking systems will function normally. For physical branches, state-chartered banks in the observing states are required to close. Nationally chartered banks with branches in Massachusetts and Maine typically follow local custom and close those specific locations, though their branches in other states remain open.
For practical purposes, individuals and businesses outside of Massachusetts and Maine should expect no disruption to banking services. Customers of banks within these two states should anticipate branch closures and plan in-person transactions for the preceding Friday or the following Tuesday. Digital banking platforms, mobile applications, and automated teller machines (ATMs) will remain fully accessible for routine transactions regardless of the holiday observance.
