Are Banks Open on Christmas Eve 2022?

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Saturday, December 24, 2022, is Christmas Eve. While it’s not a federal holiday, many businesses choose to close their doors – either entirely or early – to give employees extra time to spend with their family and friends. As a result, those who want to run errands before Christmas may be wondering, “Are banks open on Christmas Eve 2022?” If you’re among them, here’s what you need to know.

Are Banks Open on Christmas Eve 2022?

While banks are usually open on Christmas Eve, either following their usual operating schedule or using reduced holiday hours, Christmas Eve 2022 is a bit different. Since Christmas Eve is on a Saturday and many banks don’t offer Saturday hours, a surprising number will close. Ultimately, those closures have nothing to do with it being Christmas Eve; it’s simply because opening on Saturday isn’t part of the regular schedule.

If your bank usually opens on Saturday, it likely will on Christmas Eve. Just be aware that they may close early due to the upcoming holiday. Since that’s the case, it’s best to contact your preferred branch before December 24 to see if they’re using a reduced schedule.

Are Credit Unions Open on Christmas Eve 2022?

Like banks, whether a credit union is open on Christmas Eve mainly depends on whether they’re typically open on Saturdays. For those that aren’t, expect them to be closed on Christmas Eve. For those that do, they’ll likely open, but they may have limited hours based on Christmas being the next day.

Bank and Credit Union Holiday Schedule

While every bank and credit union can create its own holiday schedule, most follow the federal holiday schedule. As a result, you can use the federal holiday schedule as a guide. Here’s an overview of the holidays when banks and credit unions typically close:

  • New Year’s Day
  • Martin Luther King, Jr. Day
  • President’s Day
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day


Were you planning on hitting the bank or running other errands on Christmas Eve, or are you taking care of those tasks earlier because of Christmas Eve closures? Share your thoughts in the comments below.

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