Overview
- Bank of America, Wells Fargo, JPMorgan Chase, Citibank, Goldman Sachs, U.S. Bank, Morgan Stanley, Truist, PNC, Capital One, Citizens, Santander and Compass plan no in-person service.
- Closures cover retail branches and administrative offices in line with standard federal holiday practice.
- Online and mobile banking will remain available, and external ATMs will continue operating for cash access and basic services.
- Transfers, bill payments and deposits may not post on the holiday, with settlement resuming on the next business day.
- No law requires banks to close on federal holidays, but most institutions follow the Federal Reserve calendar for MLK Day.