2025 Bank Holiday Schedule

Bank Holiday Schedule – Issued May 27, 2025

In response to anticipated questions, this will serve as confirmation that Tennessee state-chartered banks may be closed on the following dates, in addition to federally designated holidays, provided that adequate notice is given to customers prior to the closing:

• Friday November 28, 2025 (In addition to Thursday, November 27, 2025)

• Wednesday, December 24, 2025, and/or Friday, December 26, 2025 (In addition to Thursday, December 25, 2025)

Therefore, no separate notice by the bank to this office is required.

However, pursuant to T.C.A. Section 45-2-604, should the bank decide to close for more than two (2) consecutive calendar days, not including a Saturday, Sunday or legal holiday, the prior approval of this office is required.

Banks should be advised that if the Federal Reserve is open on a day that the bank has decided to use its discretion and close, the Federal Reserve may continue to present cash items to the bank. Please contact your respective Federal Reserve branch for further guidance.

Questions regarding this issuance may be directed to Debra Grissom, Chief Administrator for Applications at 615/741-5018 or Debra.Grissom@tn.gov or William Cook, Program Administrator for Applications, at 615/934-1891 or William.Cook@tn.gov.

Best wishes for a happy holiday season!

Greg Gonzales
Commissioner