Bank Holidays/Closings  




New Year's Day

January 1

January 2

Martin Luther King, Jr. Day

January 18

January 16 

President's Day

February 15

February 20

Memorial Day

May 30

May 29

Independence Day

July 4

July 4

Labor Day

September 5

September 4

Columbus Day

October 10

October 9

Veterans Day

November 11

November 11 *


November 24

November 23


December 26

December 25

Under Maryland law, holidays falling on Sunday are observed on Monday; such is not the case for holidays falling on Saturday. (* Saturday).

Emergency Closing Procedure

The law addressing emergency closing procedures for state-chartered institutions is (MD Code Ann., Fin. Inst § 5-707) and for national banks and federally-chartered institutions (12 USC § 95(b)(1) and 12 CFR § 7.3000(b)). The Office of the Controller of the Currency (OCC) reminds management of national banks and federally-chartered institutions that they have the discretion to make individual decisions to remain open or to close in the event of a natural disaster or other emergency and are encouraged to consult OCC Bulletin 2012-28, Supervisory Guidance on Natural Disasters and Other Emergency Conditions.

State-chartered institutions:  Should the chairman of the board of directors or the president of the institution decide that an emergency exists and that one or all of the institution's locations are to close, our members are to follow the procedures outlined in Maryland law, including notifying Maryland Governor Larry Hogan within 24 hours of the closing.  You may easily transmit your notice through the Governor’s website at  Please insert "Notice of Emergency Bank Closing" in the subject line.  Although not required by statute, any bank that closes one or more branches on an emergency basis is requested to email Maryland Commissioner of Financial Regulation Gordon Cooley (, as well as Teresa Louro ( and Marcia Ryan ( in the Office of the Commissioner regarding the closing.  

Read State of Maryland Department of Labor, Licensing and Regulation (DLLR), Office of the Commissioner of Financial Regulation, Emergency Preparedness Guide for Maryland-Charter Banks and Trust Companies.