Millions of customers will find doors locked on Thursday, June 19, as Chase and other major banks pause operations to honor the newest federal holiday.
For the third year running, the nation’s largest financial institutions—led by JPMorgan Chase—will observe Juneteenth with a full‑day shutdown. Anyone who relies on in‑person banking has only today and tomorrow to wrap up deposits, cash transactions, or face‑to‑face assistance.
How the Juneteenth bank blackout on June 19 affects every customer in the United States
Juneteenth became a federal holiday in 2021, and the observance now triggers a system‑wide pause that touches everything from lobby service to some same‑day digital transfers. Wondering whether your neighborhood branch will make an exception? It won’t. Chase, Wells Fargo, Bank of America, Citibank, TD Bank, and JPMorgan locations will all stay dark until regular hours resume on Friday, June 20. Here’s a quick reference:
| Key date | What happens | What you can still do |
|---|---|---|
| Wed., June 18 | Last full in‑person business day | Finish teller transactions, schedule transfers |
| Thu., June 19 | All branches closed for Juneteenth | Use ATMs; mobile app works, but some payments post 6/20 |
| Fri., June 20 | Normal operations restart | In‑branch service, real‑time transfers resume |
Digital services such as Zelle or ACH payments may show “pending” status longer than usual because banking networks treat Juneteenth like a Sunday.
Steps Chase Bank users should take before the nationwide closure begins Thursday morning
Still have a paper check to deposit? Don’t wait. Chase advises customers to complete any crucial business by close of business on Wednesday. That includes:
- Make large deposits early. Funds over $5,000 may face an extra hold when sent through the mobile app.
- Schedule automatic bill payments. Set the execution date for June 18 or June 20 to avoid late fees.
- Withdraw emergency cash. ATMs will stay online, but supplies can run low during holiday pauses.
- Confirm wire deadlines. Domestic wires typically cut off at 4 p.m. ET; international wires even earlier.
And here’s something many people overlook: recurring direct deposits from employers that would normally clear on Thursday will arrive Friday instead. Could that 24‑hour delay throw off your budget? These are the banks closed on June 19:
- Chase Bank
- Wells Fargo
- Bank of America
- Citibank
- TD Bank
- JPMorgan
Consequently, customers across the country should plan as though every teller window is sealed shut—because it will be.
Juneteenth celebrates freedom, but it also freezes the banking clock for a day. Finish branch business by Wednesday, keep an eye on pending online transactions, and stash enough cash to bridge the gap. After all, a little foresight now spares a lot of frustration later.