Constitution Day (also called Constitution Day and Citizenship Day) is observed yearly on September 17. It is a congressionally designated observance but not a federal legal holiday.
That means:
- Federal Reserve banks do not close for Constitution Day.
- Banks do not have to close. Many bank branch hours remain normal unless a bank individually chooses to observe it.
- Some services might be impacted if a bank chooses to close or has limited staff, but there is no legal requirement.
Will major banks (Capital One, Bank of America, etc.) close for constitution day
Because Constitution Day is not a holiday requiring bank closures, here is what to expect for major banks:
| Bank | Likely status on Constitution Day |
| Capital One | Open – No public announcement suggests they observe constitution day as a closure day. |
| Bank of America | Open – They follow federal holiday schedule, which does not list Constitution Day. |
| Wells Fargo | Same as above — most branches should be open unless a specific local branch decides otherwise. |
| Citibank | Generally open. No sources say Citibank closes for Constitution Day. |
| JPMorgan Chase | Will remain open. They generally observe federal holidays; constitution day is not among them. |
If you bank locally, or have a branch in a state that gives extra observance to Constitution Day, there is a small chance of altered hours — but that would be the exception, not the rule.
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To help you judge what banks usually do, here are some things you need to consider:
- Banks typically close on federal legal holidays such as New Year’s Day, Labor Day, Independence Day, Memorial Day, etc.
- Observances like Constitution Day are often not in the closure schedule — federal law does not require banks to close for an observance.
- If a major bank does close for Constitution Day, it tends to be communicated in advance on their website or local branch notices.
What you should do to check your branch status
Because sometimes branches do observe local or state-based holidays or observances, here is what you can do if you want to make sure your bank is open:
- Look up your branch’s hours via the bank’s website or app. Many banks list “holiday hours” or “observance closures.”
- Call the branch ahead of time. A quick phone call can save you a trip if they are closed or have reduced service.
- Use online or mobile banking. Even if a branch is closed, digital services tend to remain active — checking balances, paying bills, mobile deposit.
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How will services be affected if banks close or reduce hours
If by any chance a branch closes or has reduced hours for Constitution Day, here are a few things to expect:
- ATMs still typically work.
- Mobile or online banking should be operational.
- Transactions that depend on the Federal Reserve (ACH transfers, check clearing, etc.) may be delayed since Fed operations depend on their holiday schedule. Because Constitution Day is not a Fed holiday, those systems are likely to run normally.
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