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.

If you need to handle banking on or around Presidents Day, you have options that don't require a branch visit. TD Bank's online banking platform and mobile app work 24/7, and ATMs remain available even when branches are closed. For transactions that require speaking to someone, customer service phone lines may have limited hours or extended wait times on the day before or after the holiday.

Planning ahead is the simplest way to avoid disruption. Most banking needs can be handled online, through an ATM, or by visiting a branch the day before the holiday. Understanding which services stay open and which close helps you manage your money without last-minute stress.

Key Takeaways

  • All TD Bank branches close on Presidents Day, which occurs on the third Monday in February.
  • You can still access your money through ATMs and online banking on Presidents Day itself.
  • If you need to deposit checks or handle cash, plan ahead by visiting a branch the day before.
  • Customer service phone lines may have longer wait times on the day before or after the holiday.
  • TD Bank's mobile app allows you to deposit checks remotely using your phone camera.

What you can do on Presidents Day without visiting a branch

TD Bank ATMs work around the clock, including on Presidents Day. You can withdraw cash, deposit cash or checks (at machines that accept deposits), check your balance, and transfer money between your own accounts using any TD Bank ATM. ATM access is one of the most reliable ways to handle immediate banking needs when branches are closed.

Online banking through TD Bank's website or mobile app lets you pay bills, transfer money, check balances, and review transactions. The mobile app includes mobile check deposit, which means you can photograph the front and back of a check and submit it without going to a branch. This feature is useful if you receive a check on or near the holiday. Funds from mobile deposits typically appear in your account within one business day.

If you have questions about your account, you can send a secure message through online banking, though responses may take longer during the holiday period. Some customer service issues can wait until the next business day; others may need immediate attention. For urgent problems like a lost card or suspected fraud, call TD Bank's customer service line directly rather than waiting for a message response.

Transactions that require a branch visit

Some banking tasks still need an in-person visit: opening a new account, applying for a loan, ordering a cashier's check, reporting a lost or stolen debit card in person, or handling disputes that require documentation. If any of these are urgent, plan to visit a branch on Friday (if Presidents Day is Monday) or the day after the holiday.

If you lose your debit card on Presidents Day weekend, call TD Bank's customer service line to report it immediately. They can freeze the card over the phone and arrange a replacement, even though branches are closed. The card will arrive by mail within 7 to 10 business days. Reporting the loss by phone is faster than waiting for a branch to reopen and protects your account from unauthorized use.

Planning ahead for Presidents Day banking

If you know you'll need cash or need to deposit checks, visit a TD Bank branch on Friday before the holiday. Branches are typically busier than usual on the day before a holiday, so go early in the day if you can. Arriving in the morning gives you a better chance of shorter lines and faster service.

If you're expecting a check to arrive around Presidents Day, deposit it using mobile check deposit through the app instead of waiting for a branch to open. The funds usually appear in your account within one business day of deposit. This approach keeps money moving without the delay of waiting for the branch to reopen.

For bill payments due on or shortly after Presidents Day, schedule them online a few days in advance. TD Bank's online bill pay system lets you choose the payment date, so you can ensure bills are paid on time without needing a branch visit. Scheduling ahead removes the risk of missing a due date because the branch is closed.

Other federal holidays when TD Bank closes

TD Bank closes on the same federal holidays as most banks: New Year's Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some branches may also close on Good Friday, though this varies by location.

If you're unsure whether a specific day is a holiday, call your local TD Bank branch or check the holiday schedule on TD Bank's website. You can also look up your branch's hours online by entering your zip code. Checking ahead prevents wasted trips to a closed branch.

Frequently Asked Questions

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

Yes. Your debit card works at any ATM and at stores and restaurants that accept it. Only TD Bank branches close on Presidents Day, not the payment systems that process card transactions.

Will I be charged fees if I use another bank's ATM on Presidents Day?

TD Bank charges its standard out-of-network ATM fee if you use a non-TD ATM. This fee varies but is typically $2 to $3. To avoid the fee, use a TD Bank ATM, which are available 24/7 on holidays.

What time do TD Bank branches reopen after Presidents Day?

Most TD Bank branches reopen at their normal opening time the day after Presidents Day, usually 8 or 9 a.m. Check your specific branch's hours online or call ahead, as hours vary by location.

Can I deposit a check at a TD Bank ATM on Presidents Day?

Only if your ATM has a check deposit slot. Not all TD Bank ATMs accept deposits. If yours does, you can deposit checks 24/7. If it doesn't, use mobile check deposit through the app instead.

Is customer service available on Presidents Day?

TD Bank's customer service phone line may have limited hours or longer wait times on Presidents Day. For urgent issues like fraud or a lost card, call anyway—representatives are usually available for critical problems even on holidays.