England has eight bank holidays a year, and most of them land on a Monday. If you look after a child who only comes on Mondays, the way you handle bank holidays makes a surprisingly big difference to what that family pays, so the wording is worth a few minutes of thought.
Do you open?
Most childminders close on bank holidays, and families expect them to. If you do open, say so in the contract, along with whether you charge your normal rate or something else, so you aren't deciding afresh every Easter.
Do you charge?
Childminders split three ways on this. Some charge bank holidays as normal, because their fees are worked out across the whole year. Some don't charge for them at all, and some charge a reduced rate. Any of the three is fair as long as families know which one you use.
Where it gets awkward is fairness between families. A Monday child loses far more days to bank holidays than a Thursday child, so charging in full means the Monday family pays for days they could never have used, while not charging leaves a dip in your income every spring. A lot of childminders get round this by spreading fees evenly across the year. The annual total already allows for every closure, and each family pays the same amount every month.
Funded hours
You can't charge for funded hours that fall on a bank holiday. Depending on your local authority, the family may be able to use those hours on their other booked days that week. The rules vary between councils, so check your local authority agreement and say in your contract that funded hours follow the local funding rules.
Treat it as a closure
I'd list bank holidays with your other closures, such as your own holidays and training days, with what you charge for each. Families then have one place to look, and bank holidays stop being a separate argument.
In GoChildmind, bank holidays sit with your other closures, so if you spread fees evenly they're already counted in each family's monthly figure.