TD Bank is known for its extended customer service, but like all major banks, it observes federal holidays. This means modified hours for Christmas Eve and a full closure on Christmas Day in 2025. Here’s what customers need to know to avoid disruptions.
Christmas Eve Hours: Limited Availability
On Wednesday, December 24, 2025, most TD Bank branches will be open but with significantly reduced hours. Many locations will close between noon and 2 PM, with teller services potentially ending even earlier. While lobbies may remain open later in some cases, in-person transactions will be limited.
Digital banking remains fully operational throughout the day. ATMs, TD Online Banking, and the TD Bank Mobile App offer 24/7 access for deposits, transfers, and balance checks.
Important: ATM deposits made after the branch’s daily cutoff time won’t process until the next business day (Friday, December 26).
Christmas Day Closure: All Branches Closed
On Thursday, December 25, 2025, all TD Bank branches will be closed in observance of Christmas Day. This is standard practice for all federally regulated banks.
Customers can still access their accounts through the bank’s digital platforms:
- TD Online Banking
- TD Bank Mobile App
- TD ATMs
Mobile check deposits submitted on Christmas Day will be processed when banking resumes on Friday morning.
2025 Federal Holiday Schedule
TD Bank observes all federal holidays, including:
- New Year’s Day
- Martin Luther King, Jr. Day
- Presidents’ Day
- Memorial Day
- Juneteenth
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
Despite offering Sunday hours at many locations, branches remain closed for all federal holidays.
Banking Alternatives During Holiday Closures
When branches are closed, TD Bank provides multiple ways to manage finances:
- Mobile Deposit: Deposit checks remotely using the mobile app.
- Online Transfers: Move funds between accounts instantly through online banking.
- Bill Payments: Schedule or pay bills ahead of time to avoid late fees.
- ATM Access: Withdraw or deposit cash 24/7 at TD ATMs.
- Account Monitoring: Track balances and transactions through the mobile app.
Recurring bill payments scheduled for Christmas Day will be processed on the next business day unless adjusted beforehand.
Local Variations & Contact Information
TD Bank operates over 1,100 branches nationwide, and hours can vary. Branches within retail centers may close earlier on Christmas Eve than standalone locations.
Always verify holiday hours using the TD Bank Store Locator on their website or through the mobile app.
For customer support:
- Phone: 1-888-751-9000 (automated assistance 24/7)
- Website: td.com/us
- Mobile App: Available on iOS and Android
- Mail: TD Bank, N.A., P.O. Box 219, Lewiston, ME 04243
Live representatives will resume standard business hours on Friday, December 26.
Final Reminders: Plan ahead for holiday banking by visiting branches early on Christmas Eve, utilizing digital tools, and understanding potential processing delays. Wire transfers and ACH payments will not process on Christmas Day. Digital banking is the fastest and most reliable way to manage your finances during the holiday period.
