If you're like many people, you're typically rushing around until the very last minute trying to accomplish every item on your holiday shopping to-do list. Whether you need to deposit your last paycheck before Christmas or withdraw some cash for gifts, it's always helpful to know your local bank's holiday hours.

In 2016, Christmas Eve falls on a Saturday, so many banks will abide by standard hours on Christmas Eve. However, on Christmas Day, you likely will not find any branch locations open.

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Are Banks Open on Christmas Eve?

If you need to do some banking on Christmas Eve, you probably won't have an issue. The banks listed below are open, but some will close early. If specific hours for your local branch aren't noted, check early in the week to see if it will be operating on a holiday schedule.

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Bank of America
Bank of the West: Some branches will be open on Christmas Eve. Check with your local branch for specific operating hours.
BBVA Compass Bank
BB&T: Branch locations normally open on Saturdays should operate on a regular schedule.
BMO Harris Bank: All branch locations will close at noon on Dec. 24.
Capital One Bank: Branches will operate on a normal schedule on Christmas Eve.
Chase Bank
Citibank: On Christmas Eve, branch locations will follow a regular schedule.
Citizens Bank: All branches will close by 2 p.m. at the latest on Christmas Eve.
Comerica Bank
Fifth Third Bank: Bank Mart locations will close at 2 p.m. on Christmas Eve and traditional financial centers will follow a standard schedule.
First Niagara Bank: Branch locations and call centers will be open from 6 a.m. to 3 p.m. on Christmas Eve.
Huntington Bank: Traditional and in-store branches will close by 2 p.m. on Dec. 24.
KeyBank: If your branch location is closing early on Christmas Eve, a notice will be posted.
M&T Bank
People's United Bank: If branch locations follow different hours on Christmas Eve, notices will be posted.
PNC Bank: Most branches will have normal hours on Christmas Eve.
Regions Bank
Santander Bank: Branches will follow regular hours on Christmas Eve.
SunTrust Bank: All branch locations will close at 2 p.m. on Christmas Day.
TD Bank
Union Bank: Branches will close at 1 p.m. on Christmas Eve.
U.S. Bank: Some branch locations might close early on Dec. 24.

Banks Closed on Christmas Eve

Most banks open for at least a few hours on Christmas Eve, but others close so employees can enjoy the day with loved ones. All branch locations of the banks listed below will be closed on Christmas Eve, so be sure to stop in by Dec. 23.

Huntington State Bank
HSBC Bank
Wells Fargo: Branch locations will be closed on Christmas Eve, but some in-store locations might be open.

Are Banks Open on Christmas Day?

Christmas Day is one of the 10 holidays recognized by the Federal Reserve, so banks will not be open. The NYSE, NASDAQ and SIMFA are all closed and because the holiday falls on a Sunday, Christmas Day will be observed on Dec. 26.

Of course, online and mobile banking offer 24/7 access to certain account features every day of the year, so if you need to transfer funds or schedule a payment, you can do this right from your computer or smartphone. Since it only comes once a year, enjoy Christmas Day with your loved ones and save the banking for another day.

Banks Closed on Christmas Day

As noted above, banks are closed on Christmas Day, so employees can enjoy the holiday — some are even closed the following Monday in observance. The banks below have confirmed no branch locations will be open, and it's highly unlikely any others not on the list will be open either.

Bank of America
Bank of the West: Since Christmas Day falls on a Sunday, the bank will also be closed Dec. 26, in observance of the holiday.
BBVA Compass Bank
BB&T
BMO Harris Bank
Capital One Bank
Chase Bank
Citibank
Citizens Bank: All branch locations will be closed through Dec. 26.
Comerica Bank: Branches will be closed on Dec. 26.
Fifth Third Bank: Traditional financial centers will remain closed through Dec. 26, but Bank Mart locations will be open the day after Christmas.
First Niagara Bank
HSBC Bank
Huntington Bank
Huntington State Bank
KeyBank
M&T Bank
People's United Bank
PNC Bank
Regions Bank
Santander Bank
SunTrust Bank
TD Bank
Union Bank
U.S. Bank
Wells Fargo

Now that you know most major banks' operating hours for Christmas Eve and Christmas Day, you can plan accordingly. Complete your banking as soon as possible, so you can have one less errand standing in your way of holiday fun.

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