TD Bank is closed on Presidents Day

TD Bank observes Presidents Day as a federal holiday and closes all branches on that day. Presidents Day falls on the third Monday in February each year. In 2024, that was February 19. In 2025, it will be February 17.

When a branch is closed, you cannot walk in to deposit checks, withdraw cash, or speak with a banker in person. However, you can still use ATMs, mobile banking, and online banking services on Presidents Day — those run 24/7 regardless of branch hours.

If you need to do something that requires a teller or banker, you will need to wait until the branch reopens the next business day, which is typically Tuesday morning. This matters most if you have time-sensitive banking needs or transactions that only a person can handle.

Key Takeaways

  • All TD Bank branches close on Presidents Day, which occurs on the third Monday in February.
  • ATMs and online banking remain available on Presidents Day, even though physical branches are closed.
  • Mobile deposits, bill pay, and transfers can all be done through the TD Bank app or website while branches are closed.
  • If you need to speak with someone or handle a transaction that requires a teller, you will have to visit on Tuesday or another business day.
  • Direct deposits and debit card transactions process normally on Presidents Day regardless of branch closure.

What you can still do on Presidents Day

Even though branches are closed, TD Bank's digital services operate normally. You can use the TD Bank mobile app to deposit checks by taking photos of the front and back, transfer money between accounts, pay bills, and check your balance.

ATMs work around the clock on Presidents Day. You can withdraw cash, deposit checks or cash into an ATM envelope, transfer funds, and check your account balance at any TD Bank ATM or at ATMs in the TD network. This is often the fastest way to get cash if you need it over a holiday weekend.

Online banking through the TD Bank website works the same way. Log in, move money between your accounts, set up bill payments, or review recent transactions whenever you need to. You can also set up alerts or change account settings without waiting for a branch to open.

Transactions that require a branch to be open

Some banking tasks can only happen when a branch is staffed by a banker or teller. If you need to open a new account, close an account, explore for a loan, get a cashier's check, order a new debit card, or discuss account issues with a banker, you will need to visit during regular business hours on a day the branch is open.

If you have a time-sensitive need — for example, you need a cashier's check for a real estate closing on Tuesday — call your local TD Bank branch on Monday before it closes to ask whether they can help you on Presidents Day or whether you need to make other arrangements. Some branches may be able to prepare documents in advance.

TD Bank holiday schedule for the year

TD Bank closes branches on all federal holidays. Besides Presidents Day, this includes New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank may also close on other holidays depending on state or local observances.

If you are unsure whether a specific day is a holiday for TD Bank, call your local branch or check the TD Bank website, which lists holiday closures by location. Some branches in certain states may have different schedules, so it is worth confirming rather than assuming.

Planning ahead for holiday closures

If you know you will need cash or need to make a deposit around Presidents Day, plan a day or two ahead. Withdraw cash from an ATM before the holiday, or use mobile deposit to photograph and submit checks before the branch closes on Monday.

If you are expecting a check to arrive and need the funds by a certain date, remember that deposits made on Presidents Day through mobile banking or ATM will be processed the next business day. If timing is tight, deposit earlier in the week so the funds clear before the holiday arrives.

For bills or payments due around Presidents Day, set them up through online bill pay a few days in advance. This ensures they process on time even if you cannot visit a branch.

Frequently Asked Questions

Can I use my TD Bank debit card on Presidents Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Presidents Day. The branch being closed does not affect your card. You can also use it to withdraw cash from any ATM in the TD network.

Will my direct deposit go through on Presidents Day?

Direct deposits are processed by the banking system automatically and are not affected by branch closures. Your paycheck or other direct deposit will arrive on its normal schedule, even if it lands on Presidents Day.

What if I need to dispute a charge on Presidents Day?

You can start a dispute through the TD Bank mobile app or website on Presidents Day. However, if you need to speak with someone about it, you will need to call during business hours on a day the branch is open or wait until Tuesday.

Are TD Bank customer service phone lines open on Presidents Day?

TD Bank's phone support may have limited hours on Presidents Day. Call the number on the back of your card to check whether someone is available, or use the mobile app or website to handle your issue if possible.

Do I need to do anything special to use my account on Presidents Day?

No. Your account works normally on Presidents Day. You can access it through the app, website, ATM, or debit card just as you would on any other day. The only thing you cannot do is visit a physical branch or speak with a banker in person.