Christmas Eve Bank Hours—Are Bank of America, Chase and Wells Fargo Open Today?

Christmas Eve is the last day to get everything ready ahead of Christmas, as many stores and other businesses will be closed on December 25. Whether you need to do some last-minute shopping or run an errand before the holiday, you may be wondering if the banks are open on Christmas Eve.

Banks usually observe the same holidays as the Federal Reserve System, and will generally be closed on these holidays.

The holidays observed by the Federal Reserve System are New Year's Day, Martin Luther King Jr.'s Birthday, Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day.

So are banks closed on Christmas Eve? Despite President Donald Trump making Christmas Eve a federal holiday this year—giving some federal employees the day off—as the day before Christmas is not an official holiday, banks will likely remain open.

However, banks may be operating with limited or modified hours for the holiday. Find out below which banks will be open as well as their hours for Christmas Eve.

Banks Open on Christmas Eve

  • Bank of America
  • Chase Bank
  • Capital One
  • Wells Fargo
  • Santander
  • Bank of the West
  • Citizens Bank
  • BMO Harris Bank
  • SunTrust
  • Union Bank
Bank of America
People walk past a Bank of America branch on April 16, 2014, in New York City. Most banks, like Bank of America, will be open on Christmas Eve, though many banks will be operating with holiday hours. Spencer Platt/Getty

Bank of America

Most Bank of America branches will be open from 9 a.m. until 2 p.m. on Christmas Eve.

Chase Bank

Chase branches will be open from 9 a.m. until 3 p.m. on Christmas Eve.

Capital One

Capital One banks will be open from 9 a.m. until 2 p.m. today.

Wells Fargo

Wells Fargo branches will be open today from 9 a.m. until 3 p.m.


Santander branches will be open on Christmas Eve from 9 a.m. until 3 p.m.

Bank of the West

Bank of the West branches will be open from 9 a.m. until 2 p.m.

Citizens Bank

Citizens Bank will be open but hours vary by location. Branches will generally open at 10 a.m. but will close between 2 p.m. and 3 p.m.—check with your local branch for its exact timings.

BMO Harris Bank

BMO Harris Bank's holiday hours vary by branch, but the banks will usually open at 8 a.m. and close between 12 p.m. and 3 p.m. on Christmas Eve.


SunTrust banks will be open from 9 a.m. until 2 p.m. today.

Union Bank

Most Union Bank branches will open at 9 a.m. and close at 1 p.m. on Christmas Eve.

If your bank is not on the above list, it will likely still be open on Christmas Eve. Check with your local branch for its hours before heading out in case it is operating with modified holiday hours.

Although banks will close early today, you will still be able to access many banking services, such as ATMs and mobile and online banking.

Most banks will be closed on Christmas Day, so if you have to run an errand that requires the services of a bank teller, and you can't wait until the day after Christmas, Christmas Eve will be your last chance.