American Express National Bank operates differently from traditional lenders. As a fully digital bank, it remains accessible every day of the year, including Christmas and other federal holidays. This means customers can log in, check balances, make payments, and manage their accounts without interruption.
Why Digital Banking Matters
The shift towards online banking is reshaping how people manage their money. According to FDIC data, over 80% of U.S. consumers now use digital banking services, making 24/7 access the new standard. American Express capitalizes on this trend by offering uninterrupted service through its website and mobile app.
What You Can Do on Holidays
Despite holiday closures at many traditional banks, American Express customers can:
- Check account balances and review transactions.
- Transfer funds between accounts.
- Open new certificates of deposit (CDs).
- Contact customer service 24/7.
However, keep in mind that transfers involving external banks may experience slight delays due to the receiving institution’s holiday schedule. Planning ahead can prevent issues.
2026 Federal Holiday Schedule
While American Express itself doesn’t close, external bank processing times may vary on these dates:
- New Year’s Day
- Martin Luther King, Jr. Day
- Washington’s Birthday
- Memorial Day
- Juneteenth National Independence Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
How to Reach American Express
For assistance, American Express provides several contact options:
- Phone: 1-800-446-6307 (24/7)
- Website: americanexpress.com
- Mobile App: iOS and Android
- Mail: P.O. Box 30384, Salt Lake City, UT 84130
American Express is designed to provide continuous access, even when other financial institutions are closed. Leveraging automation, such as scheduled transfers, can streamline banking regardless of the day.
