You've probably heard the marketing. TD Bank calls itself "America's Most Convenient Bank," and honestly, they usually live up to it with those Sunday hours that save us all at the last minute. But 2024 is a bit of a weird year for the calendar. If you're assuming your local branch is open just because it’s a "minor" holiday, you might end up staring at a locked glass door.
Banking holidays in 2024 follow the Federal Reserve schedule for the most part, but TD does its own thing on a couple of key dates. It’s kinda confusing if you don't look at the specific list. Basically, while other big banks like Chase or Bank of America shut down completely for every federal observance, TD stays open for a few of them.
The 2024 TD Bank Holidays Breakdown
Here is the deal for the rest of the year. If you are planning a big wire transfer or need to talk to a loan officer, mark these down.
New Year’s Day – Monday, January 1, 2024
Everything was closed. No surprise there.
Martin Luther King Jr. Day – Monday, January 15, 2024
TD Bank stores were closed. This is one where people often get tripped up because some retail remains open, but the bank follows the federal lead here.
Presidents' Day – Monday, February 19, 2024
Here is the first big "TD quirk." Most banks closed. TD Bank? Open. They stayed open for standard hours. If you had errands to run while the post office was closed, TD was your spot.
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Easter Sunday – Sunday, March 31, 2024
Since many TD branches are famous for being open on Sundays, people forget about Easter. Most branches were closed to give staff the day off.
Memorial Day – Monday, May 27, 2024
Stores were closed. No banking on the unofficial start of summer.
Juneteenth National Independence Day – Wednesday, June 19, 2024
This is still a relatively "new" holiday for many, but TD Bank observes it. Stores were closed.
Independence Day – Thursday, July 4, 2024
Total shutdown. Closed.
Labor Day – Monday, September 2, 2024
Stores are closed.
Columbus Day / Indigenous Peoples' Day – Monday, October 14, 2024
The second quirk! While the Federal Reserve and most competitors close their doors, TD Bank is typically open on this day. It’s one of those "convenience" perks they brag about.
Veterans Day – Monday, November 11, 2024
TD Bank stores will be closed to honor those who served.
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Thanksgiving Day – Thursday, November 28, 2024
Closed. Don't expect to deposit that turkey-day check in person.
Christmas Day – Wednesday, December 25, 2024
Closed.
Why the "Open" Holidays Matter
It's actually a pretty smart business move. By staying open on Presidents' Day and Columbus Day, TD grabs all the foot traffic from people who are off work but realize their other bank is closed.
But there’s a catch you need to know about.
Even when the store is open, the interbank system might be closed. If you go into a TD Bank on Presidents' Day and deposit a check from a different bank, it won't actually "clear" or move any faster. Why? Because the Federal Reserve is closed. The money sits in a digital waiting room until the next business day.
Same goes for wire transfers. You can walk in, give them the info, and sign the papers, but that money isn't leaving the building until the Fed's wires are back up and running.
What about TD Bank in Canada?
If you're reading this from Toronto or Vancouver, the 2024 schedule is totally different. TD Canada Trust follows provincial and federal Canadian holidays.
- Family Day (Feb 19): Closed in most provinces (BC, AB, SK, ON).
- Good Friday (March 29): Closed.
- Victoria Day (May 20): Closed.
- Canada Day (July 1): Closed.
- Civic Holiday (Aug 5): Closed in many regions.
- Labour Day (Sept 2): Closed.
- Thanksgiving (Oct 14): Closed. (Note: This is different from the US date!)
- Remembrance Day (Nov 11): Hours vary by province; many are closed.
Dealing With a Closed Branch
Look, if the lights are off and the door is locked, you aren't totally stuck.
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The TD mobile app is actually pretty robust. You can do mobile check deposits up to certain limits—usually, it takes a day or two to clear anyway, so doing it on a holiday doesn't hurt.
The ATMs are also 24/7. Most of the newer TD ATMs allow you to deposit cash and checks without an envelope. It's way better than it used to be.
Actionable Steps for Your Money
- Check the App: Before driving to the branch on a Monday holiday, check the "Locations" feature in the TD app. It updates in real-time for holiday hours.
- Transfer Early: If you have a bill due on a Tuesday after a holiday Monday (like Labor Day), initiate the transfer on the previous Friday. Don't risk the "holiday lag."
- Atm Limits: Remember that if you need a large amount of cash for a holiday weekend, your ATM daily withdrawal limit still applies even if the bank is closed. You can't go inside to get more from a teller. Plan your cash needs on Friday.
- Business Deposits: If you're a business owner, remember that "Night Deposit" bags won't be processed until the staff returns. If you need that liquidity immediately, get there before the holiday weekend starts.
Basically, TD Bank is more open than most, but they aren't robots. They take the big ones off just like everyone else. Just keep an eye on those mid-year Mondays and you'll be fine.
Disclaimer: While I strive for 100% accuracy, individual branch hours can vary based on location, especially those inside grocery stores or malls. Always call your local branch if you're making a long trip.
Key Takeaway: For 2024, TD Bank is your best bet on Presidents' Day and Columbus Day, but expect them to be dark on all other major federal holidays.