Understanding whether banks are open on Monday involves knowing about bank holidays, especially in Maryland. Banks, as essential financial institutions, generally adhere to a specific holiday schedule, which may include closures on Mondays. This guide will clarify how bank holidays are observed in Maryland and what it means for banking services on Mondays.
In Maryland, the observance of bank holidays is governed by state law, which sometimes aligns with and sometimes differs from federal holidays. According to Maryland regulations, if a mandatory bank holiday falls on the same day as a federal holiday, a banking institution in Maryland is required to close on at least one of these days and has the option to close on both. Furthermore, when a mandatory bank holiday in Maryland does not correspond to a federal holiday, banking institutions have the discretion to decide whether to open or close on that particular day. This nuanced approach means that while many Mondays are regular business days for banks, certain Mondays designated as holidays will result in bank closures.
To provide clarity for 2025, here is a list of recognized bank holidays in Maryland, indicating which Mondays will be bank holidays:
2025 Bank Holidays in Maryland:
| Date | Holiday | Day of the Week | Is it on a Monday? |
|---|---|---|---|
| January 1 | New Year’s Day | Wednesday | No |
| January 20 (Third Monday) | Dr. Martin Luther King, Jr., Birthday (observed) | Monday | Yes |
| February 17 (Third Monday) | Presidents’ Day | Monday | Yes |
| May 26 (Last Monday) | Memorial Day | Monday | Yes |
| June 19 | Juneteenth National Independence Day* | Thursday | No |
| July 4 | Independence Day | Friday | No |
| September 1 (First Monday) | Labor Day | Monday | Yes |
| October 13 (Second Monday) | Columbus Day (observed) | Monday | Yes |
| November 11 | Veterans’ Day | Tuesday | No |
| November 27 (Fourth Thursday) | Thanksgiving Day | Thursday | No |
| December 25 | Christmas Day | Thursday | No |
*Should the U.S. Congress designate a different day for the observance of Juneteenth, the federally designated day will become the legal date.
As you can see from the 2025 schedule, several Mondays are indeed designated as bank holidays in Maryland. These include Martin Luther King, Jr.’s Birthday in January, Presidents’ Day in February, Memorial Day in May, Labor Day in September, and Columbus Day in October. Therefore, if you’re wondering “Are Banks Open On Monday?”, the answer depends on whether that Monday coincides with one of these holidays.
For Mondays that are not listed as bank holidays, banks generally operate under their regular business hours. However, it is always advisable to check with your specific bank branch for their holiday hours or any variations in schedule, especially around holiday periods. While this guide provides a general overview of bank holidays in Maryland and their impact on Monday openings, individual bank policies may offer further specific details.
