Patriots' Day 2025, observed on April 21, 2025, is a state holiday recognized primarily in Massachusetts and Maine, not a federal holiday. Consequently, banks nationwide are generally not closed. While federal holidays typically result in widespread bank closures, the status of Patriots' Day as a state-level observance means that most national banks and financial institutions outside Massachusetts and Maine will operate under normal business hours. Closures are principally limited to financial institutions specifically chartered within, or operating physical branches in, these two states.
The operational status of banks hinges on the distinction between federal and state holidays. The Federal Reserve System, which facilitates interbank transactions, remains fully operational on Patriots' Day, as it is not listed on the official Federal Reserve Bank Holidays schedule. This ensures that critical financial infrastructure continues to function. While some larger national banks may opt to close branches located in Massachusetts and Maine as a courtesy or in observance of local customs, their broader digital services, including online banking, mobile applications, and ATM networks, remain fully accessible. Smaller, local credit unions or state-chartered banks within Massachusetts and Maine are more prone to observing a full holiday closure.
Therefore, for most individuals across the United States on Patriots' Day 2025, the expectation is that banks will be open and fully operational. Customers located in or near Massachusetts and Maine, or those needing to conduct specific in-person transactions with local financial institutions, should independently verify the operating hours of their particular bank branch. For all other banking needs, digital platforms offer uninterrupted access to services, mitigating any potential impact of localized branch closures.
