Are banks open on statutory holidays in Canada?

No, Canadian bank branches are closed on all statutory holidays including New Year's Day, Good Friday, Victoria Day, Canada Day, Labour Day, Thanksgiving, and Christmas Day. Online banking, ATMs, and mobile apps remain available 24/7.

Are banks open on Boxing Day?

Most bank branches are closed on Boxing Day (December 26) in Ontario where it's a statutory holiday. In other provinces, some branches may be open with reduced hours. Always check your specific branch hours online or call ahead.

What bank services are available on holidays?

While branches are closed, you can still access ATMs for deposits and withdrawals, online banking for transfers and bill payments, mobile banking apps, and telephone banking. Interac e-Transfers also process on holidays.

Do direct deposits go through on bank holidays?

Direct deposits do not process on bank holidays or weekends. If your pay date falls on a holiday, you'll typically receive the deposit on the last business day before the holiday. Government payments follow the same rule.

Bank Holiday Hours in Canada 2026: When Banks Are Closed

Bank Holiday Schedule 2026

Canadian bank branches are closed on the following dates:

Holiday	Date	Day	Banks Closed?
New Year’s Day	January 1	Thursday	✅ Yes
Family Day*	February 16	Monday	✅ Yes
Good Friday	April 3	Friday	✅ Yes
Easter Monday	April 6	Monday	⚠️ Some provinces
Victoria Day	May 18	Monday	✅ Yes
Canada Day	July 1	Wednesday	✅ Yes
Civic Holiday*	August 3	Monday	✅ Yes (most areas)
Labour Day	September 7	Monday	✅ Yes
National Day for Truth & Reconciliation	September 30	Wednesday	✅ Yes
Thanksgiving	October 12	Monday	✅ Yes
Remembrance Day	November 11	Wednesday	⚠️ Some provinces
Christmas Day	December 25	Friday	✅ Yes
Boxing Day	December 26	Saturday	⚠️ Ontario only

*Family Day name varies by province (Louis Riel Day, Islander Day, etc.)

Bank Closures by Major Bank

RBC Royal Bank

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9am–4pm (select locations)	✅ 24/7	✅ 24/7
Sunday	Closed (most locations)	✅ 24/7	✅ 24/7

TD Canada Trust

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9am–4pm (many locations)	✅ 24/7	✅ 24/7
Sunday	11am–4pm (select locations)	✅ 24/7	✅ 24/7

TD has more Sunday hours than most competitors.

BMO Bank of Montreal

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9:30am–4pm (select locations)	✅ 24/7	✅ 24/7
Sunday	Closed (most locations)	✅ 24/7	✅ 24/7

Scotiabank

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9am–4pm (select locations)	✅ 24/7	✅ 24/7
Sunday	Closed (most locations)	✅ 24/7	✅ 24/7

CIBC

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9am–4pm (select locations)	✅ 24/7	✅ 24/7
Sunday	Closed (most locations)	✅ 24/7	✅ 24/7

National Bank

Day	Branch Hours	ATM	Online Banking
Statutory holidays	Closed	✅ 24/7	✅ 24/7
Saturday	9:30am–4pm (select locations)	✅ 24/7	✅ 24/7
Sunday	Closed	✅ 24/7	✅ 24/7

What’s Available on Bank Holidays

Available 24/7

Service	Available?
ATM withdrawals	✅ Yes
ATM deposits	✅ Yes
Online banking	✅ Yes
Mobile banking	✅ Yes
Bill payments (scheduled)	✅ Yes
Account transfers	✅ Yes
Interac e-Transfers	✅ Yes (may have delays)
Credit card payments online	✅ Yes

NOT Available on Holidays

Service	Available?
In-branch transactions	❌ No
Wire transfers	❌ No
Bank drafts	❌ No
Safe deposit box access	❌ No
Mortgage/loan appointments	❌ No
New account openings	❌ No
Phone support (some banks)	⚠️ Limited

When Holidays Affect Banking

Direct Deposits

Scenario	When You’ll Receive
Pay date on holiday	Previous business day
Pay date on weekend	Previous Friday
Government payment on holiday	Previous business day

Bill Payments

Scenario	Processing
Payment scheduled for holiday	Sends next business day
Due date on holiday	Usually safe if submitted day before
Mortgage payment on holiday	Withdraws next business day

Interac e-Transfers

Scenario	Speed
Autodeposit enabled	Usually instant (any day)
Manual deposit required	May delay until business day
Large amounts	May take longer to process

Long Weekend Banking 2026

Victoria Day Weekend (May 16-18)

Day	Date	Banks Open?
Friday	May 15	Regular hours
Saturday	May 16	Select branches
Sunday	May 17	Mostly closed
Monday	May 18	❌ Closed

Plan banking needs by Friday, May 15.

Canada Day (July 1 - Midweek)

Day	Date	Banks Open?
Tuesday	June 30	Regular hours
Wednesday	July 1	❌ Closed
Thursday	July 2	Regular hours

Labour Day Weekend (Sept 5-7)

Day	Date	Banks Open?
Friday	September 4	Regular hours
Saturday	September 5	Select branches
Sunday	September 6	Mostly closed
Monday	September 7	❌ Closed

Thanksgiving Weekend (Oct 10-12)

Day	Date	Banks Open?
Friday	October 9	Regular hours
Saturday	October 10	Select branches
Sunday	October 11	Mostly closed
Monday	October 12	❌ Closed

Christmas/New Year

Day	Date	Banks Open?
Wednesday	December 24	Reduced hours
Thursday	December 25	❌ Closed
Friday	December 26	❌ Closed (ON)*
Monday	December 29	Regular hours
Tuesday	December 30	Regular hours
Wednesday	December 31	Reduced hours
Thursday	January 1	❌ Closed

*Boxing Day closures may vary outside Ontario.

Holiday Hours by Province

Remembrance Day (November 11)

Province	Banks Closed?
BC	✅ Yes
Alberta	✅ Yes
Saskatchewan	✅ Yes
Manitoba	❌ Open
Ontario	❌ Open
Quebec	❌ Open
New Brunswick	✅ Yes
Nova Scotia	❌ Open
PEI	✅ Yes
Newfoundland	✅ Yes

Easter Monday (April 6)

Province	Banks Closed?
Federal (banks)	⚠️ Varies by branch
Quebec	✅ Many closed
Other provinces	⚠️ Some open

Tips for Banking Around Holidays

Before a Long Weekend

Task	When to Do It
Get cash	Thursday or Friday
Submit bill payments	2-3 days before due date
Deposit cheques	By Friday
Get bank draft	By Friday noon
Large e-Transfers	Allow extra processing time

Using ATMs on Holidays

Tip	Why
Your bank’s ATMs	No extra fees
THE EXCHANGE network	No fees if your bank participates
Check deposit limits	May be lower at ATMs
Keep receipts	Proof of transaction

Finding Open Branches

Method	How
Bank website	Branch locator with hours
Bank mobile app	Find nearest open branch
Call bank	Confirm hours before going
Google Maps	Usually shows holiday hours

Emergency Banking on Holidays

Lost/Stolen Cards

Bank	24/7 Number
RBC	1-800-769-2512
TD	1-800-983-8472
BMO	1-800-361-3361
Scotiabank	1-800-472-6842
CIBC	1-800-663-4575
National Bank	1-888-483-5628

Fraud Reporting

Available 24/7 at all major banks — use the numbers above.

Key Takeaways

All bank branches close on major statutory holidays
ATMs, online banking, and mobile apps work 24/7
Direct deposits scheduled for holidays arrive the previous business day
Saturday hours available at select branches
TD has the most extensive weekend hours
Check your specific branch hours online before holiday visits
Complete important banking by the Friday before long weekends