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Holidays are great for relaxing and spending time with family and friends. Holidays usually mean a little bit of planning, too, like making reservations, grocery shopping for a special dinner, or picking out a perfect gift. Don’t forget, official holidays also can mean a day off for your financial institution, so be sure to add getting your banking done early to your list of holiday preparations.
What are “bank” holidays? Most financial institutions close on the days designated by the Federal Reserve as holidays. To know when your favorite UFCU branch is open, check our list of holiday closings and our locations page for regular hours.
How can an official holiday affect my finances? Your local branch likely will be closed, so any transactions that require an in-person visit will need to be done before or after the holiday. You can always access your accounts through online, mobile, or automated phone banking, get cash from most outdoor ATMs, and use your credit and debit cards. You also can initiate basic transactions — like deposits, online transfers, or wire transfers — with online banking, your mobile banking app, or automated phone banking, but most of these transactions won’t be completed until the next business day. That means your account balances won’t be updated until the next business day as well. Keep in mind that there is no mail service on official holidays and that most companies’ payroll and payment processing departments have the day off too, so paychecks and bill or loan payments could be delayed by a day or two.
Tips to avoid hiccups during the holidays:
Add banking to your holiday planning, and you can enjoy your days off knowing you’ve got your basic banking needs covered!
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