Truist is closed on Christmas Eve after 2 p.m. in most locations, and fully closed on Christmas Day

Truist observes Christmas as a federal holiday and closes all branches on December 25th. On Christmas Eve (December 24th), most Truist branches close at 2 p.m., though some locations may have different hours. A few branches in high-traffic areas may stay open later, but you should not count on it.

The safest approach is to handle banking needs before December 23rd. If you need to deposit checks, withdraw cash, or make other transactions close to Christmas, do them earlier in the week. ATMs and online banking remain available 24/7, even when branches are closed.

Key Takeaways

  • Most Truist branches close at 2 p.m. on Christmas Eve and remain closed all day on Christmas Day.
  • Some branches may have different hours, so calling ahead to your local branch is the only way to confirm.
  • ATMs work around the clock, and you can transfer money, pay bills, and check balances online anytime.
  • Plan banking tasks for December 23rd or earlier if you need to speak with a teller or visit a branch.

How to find your branch's exact Christmas Eve hours

Truist does not publish a single holiday schedule that covers all branches uniformly. Hours vary by location and by how busy the branch typically is. The only reliable way to know whether your branch will be open and for how long is to call the branch directly or check the Truist website.

Go to Truist.com, use the branch locator tool, and search for your location. The branch page will show holiday hours if they differ from regular hours. If the hours are not listed, call the branch phone number shown on that same page. Staff can tell you whether they will be open on Christmas Eve and at what time they close.

What you can do without visiting a branch

Truist ATMs work 24 hours a day, including Christmas Eve and Christmas Day. You can withdraw cash, deposit checks (at ATMs with mobile deposit or envelope deposit), transfer money between accounts, and check your balance anytime. If your ATM card is lost or stolen, you can report it through the Truist app or website.

Online banking through Truist.com or the mobile app lets you pay bills, transfer money, deposit checks by photo, and manage accounts without leaving home. These services run around the clock. If you need to wire money or make a large transfer, do it before the branch closes on Christmas Eve, because some wire services may have delays during the holiday period.

When Truist reopens after Christmas

Truist branches reopen on December 26th (the day after Christmas) at their regular hours. If Christmas falls on a weekend, the bank observes the holiday on the following Monday, so branches would be closed that Monday and reopen Tuesday.

Check your branch's regular hours on the Truist website to know when to expect them to reopen. If you have urgent banking needs between Christmas and the 26th, ATMs and online banking are still available.

Planning ahead for holiday banking

If you need cash for holiday shopping or travel, withdraw it on December 23rd or earlier. If you are expecting a check or deposit, deposit it before the 24th so it clears before the holiday. Payroll deposits and automatic bill payments scheduled for December 25th or 26th may process on a different day depending on your bank's processing schedule.

If you have a time-sensitive transaction — a wire, a large withdrawal, or a problem with your account — handle it by mid-afternoon on December 23rd. This gives you a buffer in case you need to speak with someone at the branch or resolve an issue before the holiday closes everything down.

What to do if you have an emergency on Christmas

If your debit card is lost or stolen on Christmas, report it through the Truist app or website immediately to freeze the card and prevent fraud. You can also call Truist's 24-hour customer service line (the number is on the back of your card) to report the card and request a replacement.

If you are locked out of your online account or have questions about a transaction, Truist customer service is available by phone around the clock. ATMs will let you withdraw cash if you have your PIN, even if you cannot access online banking temporarily.

Frequently Asked Questions

Can I deposit a check at a Truist ATM on Christmas Eve?

Yes, if your ATM has a deposit slot or envelope deposit feature. Truist ATMs are open 24/7. The check will be processed when the branch reopens, so deposits made on Christmas Eve will likely post on December 26th or later, depending on the check's origin bank.

Will my automatic bill payment go through if it is scheduled for Christmas Day?

Automatic payments scheduled for December 25th may process on that day or may be delayed until December 26th, depending on the payee and Truist's processing schedule. If the payment is time-sensitive, schedule it for December 23rd instead to avoid any delays.

Is Truist customer service open on Christmas Eve?

Yes, Truist's phone customer service is available 24/7, including Christmas Eve and Christmas Day. You can call the number on the back of your card or on your account statements to reach a representative anytime.

What if I need to speak to someone about a mortgage or loan on Christmas Eve?

Mortgage and loan departments typically follow the same holiday schedule as retail branches — closed on Christmas Day and closing early on Christmas Eve. Call your loan servicer's customer service line to confirm their holiday hours, or handle routine questions through online banking or the phone line.

Can I transfer money between my Truist accounts on Christmas?

Yes, you can transfer money between your own Truist accounts anytime through online banking or the mobile app, even on Christmas Day. Transfers to other banks may take longer during the holiday period.