To determine which banks are closed today, it is important to know if today is a federal holiday. In 2023, there are 11 federal holidays observed by the Federal Reserve, which regulates the United States banking system. If today is a federal holiday, most banks will be closed. Here is a list of federal holidays in 2023:

• New Years Day: Sunday, Jan. 1 (observed Monday, Jan. 2)
• Martin Luther King Jr. Day: Monday, Jan. 16
• Presidents Day: Monday, Feb. 20
• Memorial Day: Monday, May 29
• Juneteenth National Independence Day: Monday, June 19
• Independence Day: Tuesday, July 4
• Labor Day: Monday, Sept. 4
• Columbus Day: Monday, Oct. 9
• Veterans Day: Saturday, Nov. 11 (observed Friday, Nov. 10)
• Thanksgiving Day: Thursday, Nov. 23
• Christmas Day: Monday, Dec. 25

It is important to note that if a holiday falls on a Saturday, the bank will still be open on the Friday before, but if a holiday occurs on a Sunday, the bank will be closed the following Monday. Some banks may also close or have reduced hours on Christmas Eve and New Year’s Eve.

It is recommended to check with your bank directly or check their website to confirm their hours of operation on holidays. Additionally, while bank branches may be closed on holidays, ATMs will typically remain open for basic transactions such as checking account balances and making cash withdrawals.