Holiday Closure Schedule
| Holiday | 2025 | 2026 | 2027 |
|---|---|---|---|
|
New Year’s Day |
Wednesday, January 1 |
Thursday, January 1 |
Friday, January 1 |
|
Martin Luther King Jr. Day |
Monday, January 20 |
Monday, January 19 |
Monday, January 18 |
|
Presidents Day |
Monday, February 17 |
Monday, February 16 |
Monday, February 15 |
|
Memorial Day |
Monday, May 26 |
Monday, May 25 |
Monday, May 24 |
|
Juneteenth |
Thursday, June 19 |
Friday, June 19 |
Saturday, June 19 |
|
Independence Day |
Friday, July 4 |
Saturday, July 4 |
Monday, July 5 (observed) |
|
Labor Day |
Monday, September 1 |
Monday, September 7 |
Monday, September 6 |
|
Columbus Day |
Monday, October 13 |
Monday, October 12 |
Monday, October 11 |
|
Veterans Day |
Tuesday, November 11 |
Wednesday, November 11 |
Thursday, November 11 |
|
Thanksgiving Day |
Thursday, November 27 |
Thursday, November 26 |
Thursday, November 25 |
|
Christmas Eve |
Wednesday, December 24
|
Thursday, December 24
|
Friday, December 24
|
|
Christmas Day |
Thursday, December 25 |
Friday, December 25 |
Saturday, December 25 |
Observed Holidays: Weekend Holidays in the US
For holidays falling on Saturday, Southern Bank and branches will be open the preceding Friday. For holidays falling on Sunday, Southern Bank will be closed the following Monday. These observances align with Federal Reserve Bank practices.
Holiday Hours - Customer Care & ITM
Our Customer Care Center and Interactive Teller Machines (ITMs) will be available from 7:00 AM to 7:00 PM on:
MLK Day, President’s Day, Juneteenth, Columbus Day, and Veterans Day.
Our Customer Care Center and ITMs will be available from 7:00 AM to 3:00 PM on:
Memorial Day, Independence Day, Labor Day, and Christmas Eve.
Our Customer Care Center and ITMs will be closed in observance of:
Thanksgiving Day, Christmas Day, and New Year’s Day.
To reach our Customer Care Center, please call (855) 452-7272.
To see which Southern Bank Locations offer ITMs, please click here to find the ITM nearest you.
Frequently Asked Questions
How can I plan ahead for banking holidays?
Plan by reviewing upcoming holidays and scheduling transfers or payments at least one business day before a federal holiday.
Does a holiday affect my direct deposit?
Yes. Direct deposits scheduled for a holiday will post on the next business day.
What’s the best way to prepare for upcoming bank holidays?
Submit important payments or transfers early, confirm payroll timing, and allow extra processing time around long weekends.
Are digital and mobile banking services available during holidays?
Yes. Account access remains available 24/7; however, processing for ACH, wires, and other transactions resumes on the next business day.
How do federal holidays affect transaction processing?
Federal holidays pause processing for ACH, wires, and other transactions dependent on the Federal Reserve. Processing resumes on the next business day.
What happens to direct deposits scheduled for a holiday?
If the bank receives the deposit before the holiday and its settlement date falls on the holiday, it will post before the holiday. If the bank receives the deposit after the holiday and its settlement date falls on the holiday, it will post on the next business day after the holiday.
Will bill payments or transfers be affected by holidays?
Yes. Payments or transfers involving external banks may be delayed until the next business day. Internal (same-bank) transfers typically post as normal.
Who should I contact if I need help adjusting my processing schedule around holiday dates?
For assistance with planning or adjusting your payments, deposits, or transfers around federal holidays, please contact:
Customer Care Center: (855) 452-7272
Treasury Management Team: (573) 778-1990
Both teams can help review your schedule and ensure transactions are processed on time.
What happens if I don’t make a fraud-prevention decision for Check Positive Pay or ACH Debit Block?
Exception items are not processed on federal holidays. Any items generated during a holiday will be available for pay/return decisioning on the next business day. Exception items must be reviewed every day the bank is open, including Good Friday, the day after Thanksgiving, Christmas Eve, and New Year’s Eve. If exception items are not reviewed by the cutoff time, they will auto-post based on the account’s default decision settings.