What holidays are banks closed in 2026?

Banks are closed on all Federal Reserve holidays: New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Most banks are also closed on observed dates when holidays fall on weekends.

Are banks open the day after Thanksgiving?

Most bank branches close early or have reduced hours the day after Thanksgiving (Black Friday). Some branches may be closed entirely. Online and mobile banking remain available 24/7.

Do bank holidays affect direct deposits?

Yes. If a direct deposit or ACH transfer is scheduled on a bank holiday, it will process the next business day. Some employers send direct deposits a day early when payday falls on a holiday.

Bank Holiday Schedule 2026: When Are Banks Closed?

Banks follow the Federal Reserve holiday schedule. If the Fed is closed, your bank branch is almost certainly closed too. Here’s the complete 2026 calendar.

Quick answer: Banks are closed on 11 federal holidays in 2026. Direct deposits and ACH transfers scheduled on holidays process the next business day. ATMs, mobile banking, and online banking remain available 24/7 on all holidays.

2026 Bank Holiday Calendar

Holiday	Date	Day	Banks Closed?
New Year’s Day	January 1, 2026	Thursday	Yes
Martin Luther King Jr. Day	January 19, 2026	Monday	Yes
Presidents’ Day	February 16, 2026	Monday	Yes
Memorial Day	May 25, 2026	Monday	Yes
Juneteenth	June 19, 2026	Friday	Yes
Independence Day	July 4, 2026	Saturday	Yes (observed July 3, Friday)
Labor Day	September 7, 2026	Monday	Yes
Columbus Day / Indigenous Peoples’ Day	October 12, 2026	Monday	Yes
Veterans Day	November 11, 2026	Wednesday	Yes
Thanksgiving Day	November 26, 2026	Thursday	Yes
Christmas Day	December 25, 2026	Friday	Yes

What’s Open vs. Closed on Bank Holidays

Service	Available on Holidays?
Bank branches	Closed
ATMs	Open 24/7
Mobile banking app	Available 24/7
Online banking	Available 24/7
Customer service phone	Varies — some banks offer 24/7 phone
ACH transfers	Do not process (next business day)
Wire transfers	Do not process (next business day)
Direct deposits	Do not process (next business day)
Debit/credit card payments	Process normally (merchants handle)
Zelle/Venmo/CashApp	Send instantly, bank settlement next business day

Bank Holiday Schedule by Major Bank (2026)

Holiday	Chase	Bank of America	Wells Fargo	Capital One	TD Bank
New Year’s Day	Closed	Closed	Closed	Closed	Closed
MLK Day	Closed	Closed	Closed	Closed	Open
Presidents’ Day	Closed	Closed	Closed	Closed	Open
Memorial Day	Closed	Closed	Closed	Closed	Closed
Juneteenth	Closed	Closed	Closed	Closed	Closed
Independence Day	Closed	Closed	Closed	Closed	Closed
Labor Day	Closed	Closed	Closed	Closed	Closed
Columbus Day	Closed	Closed	Closed	Closed	Open
Veterans Day	Closed	Closed	Closed	Closed	Open
Thanksgiving	Closed	Closed	Closed	Closed	Closed
Christmas	Closed	Closed	Closed	Closed	Closed

Note: TD Bank stays open on more holidays than other major banks — they call it “America’s Most Convenient Bank.”

How Holidays Affect Your Money

Direct Deposit Timing

Scenario	What Happens
Payday falls on holiday	Deposit usually arrives the day before
Payday falls on Saturday	Most employers deposit Friday
Payday falls on Sunday	Most employers deposit Friday
Payday falls on Monday holiday	Deposit may arrive Friday or Tuesday

ACH Transfer Timing

Scenario	What Happens
ACH scheduled on holiday	Processes next business day
ACH scheduled day before holiday	May process, but settlement delayed
Bill pay scheduled on holiday	Sent next business day

Check Deposits

Scenario	What Happens
Mobile deposit on holiday	Accepted, but processing starts next business day
ATM deposit on holiday	Accepted, processing starts next business day
Check clearing over holiday weekend	Add 1-2 extra business days

Non-Federal Holidays: Are Banks Open?

Date	Banks Open?	Notes
Day after Thanksgiving (Black Friday)	Most open with reduced hours	Some branches closed
Christmas Eve (Dec 24)	Open with early close (1-3 PM)	Some branches closed
New Year’s Eve (Dec 31)	Open with early close (1-3 PM)	Some branches closed
Good Friday	Open (not a federal holiday)	Some states close government offices
Easter Sunday	Closed (no banks open Sunday anyway)	N/A
Super Bowl Monday	Open normal hours	N/A
Election Day	Open normal hours	Not a federal bank holiday

Planning Around Bank Holidays

Action	Recommendation
Need cash on a holiday	Use ATM (24/7)
Need to make a payment	Schedule bill pay 1-2 days early
Expecting direct deposit	Check with employer on timing
Need to deposit a check	Use mobile deposit (processes next business day)
Sending wire transfer	Send the day before the holiday
Need in-person banking	Visit branch the day before

Bottom Line

Banks close on 11 federal holidays per year. ATMs, mobile banking, and online banking work every day. The main impact is on ACH transfers, wire transfers, and direct deposits — which all process the next business day. If payday falls on a holiday, most employers deposit early. Plan ahead for bill payments and wire transfers by scheduling them 1-2 days before the holiday.