There are 11 federal bank holidays in both 2025 and 2026. On each of these dates, the Federal Reserve suspends processing — no ACH transfers settle, no wire transfers go through, and all bank branches close. ATMs, mobile banking, and online banking remain available throughout.
2025 Bank Holiday Schedule
| Holiday |
2025 Date |
Day of Week |
| New Year’s Day |
January 1, 2025 |
Wednesday |
| Martin Luther King Jr. Day |
January 20, 2025 |
Monday |
| Presidents Day |
February 17, 2025 |
Monday |
| Memorial Day |
May 26, 2025 |
Monday |
| Juneteenth |
June 19, 2025 |
Thursday |
| Independence Day |
July 4, 2025 |
Friday |
| Labor Day |
September 1, 2025 |
Monday |
| Columbus Day |
October 13, 2025 |
Monday |
| Veterans Day |
November 11, 2025 |
Tuesday |
| Thanksgiving Day |
November 27, 2025 |
Thursday |
| Christmas Day |
December 25, 2025 |
Thursday |
2026 Bank Holiday Schedule
| Holiday |
2026 Date |
Day of Week |
| New Year’s Day |
January 1, 2026 |
Thursday |
| Martin Luther King Jr. Day |
January 19, 2026 |
Monday |
| Presidents Day |
February 16, 2026 |
Monday |
| Memorial Day |
May 25, 2026 |
Monday |
| Juneteenth |
June 19, 2026 |
Friday |
| Independence Day |
July 3, 2026* |
Friday |
| Labor Day |
September 7, 2026 |
Monday |
| Columbus Day |
October 12, 2026 |
Monday |
| Veterans Day |
November 11, 2026 |
Wednesday |
| Thanksgiving Day |
November 26, 2026 |
Thursday |
| Christmas Day |
December 25, 2026 |
Friday |
*July 4th falls on Saturday in 2026; banks observe Friday, July 3rd.
What Happens on Bank Holidays
Services Unavailable
| Service |
Status |
| Bank branches |
Closed |
| Fed wire transfers |
Not processed |
| ACH transfers |
Not processed |
| Bill pay (scheduled) |
Delayed to next business day |
| Check clearing |
Delayed |
| New account opening |
Not available |
Services Still Available
| Service |
Status |
| ATMs |
Available 24/7 |
| Online banking |
View accounts, transfers between own accounts |
| Mobile banking |
Same as online |
| Debit card purchases |
Normal processing |
| Credit card purchases |
Normal processing |
| Zelle (enrolled users) |
Usually instant |
How Bank Holidays Affect Your Finances
Direct Deposits
If your regular payday falls on a bank holiday, most employers adjust payroll so funds arrive the business day before.
| Normal Pay Date |
If on Holiday |
You’ll Receive |
| Thursday (Thanksgiving) |
Holiday |
Wednesday before |
| Thursday (July 4, 2025) |
Holiday |
Wednesday before |
| Monday (Labor Day) |
Holiday |
Friday before |
For a deeper look at how each individual holiday affects payroll and transfers, the holiday-specific guides below cover each one in detail — including MLK Day, Presidents Day, and Columbus Day.
Bill Payments
| Scheduled Date |
If on Holiday |
Actually Processed |
| Holiday date |
Delayed |
Next business day |
| Day after holiday |
May be delayed |
Depends on timing |
Transfers Between Banks
| Transfer Type |
Holiday Impact |
| ACH (standard) |
Adds 1+ business day |
| Wire transfer |
Not processed |
| Same-bank transfer |
Usually immediate |
| Instant transfer (Zelle, etc.) |
Usually works |
Planning Around Bank Holidays
Before Long Weekends
| Holiday Weekend |
Plan Ahead For |
| Memorial Day (3 days) |
Cash needs, pending payments |
| July 4th (varies) |
Check if observed Friday or Monday |
| Labor Day (3 days) |
Bill due dates, rent payments |
| Thanksgiving (4 days) |
Thursday–Sunday banking gap |
| Christmas/New Year |
Potential 4+ day gaps |
2025 Long Banking Gaps
| Period |
Days Without Fed Processing |
| MLK Weekend |
Sat–Mon (3 days) |
| Presidents Day Weekend |
Sat–Mon (3 days) |
| Memorial Day Weekend |
Sat–Mon (3 days) |
| July 4th Weekend |
Thu–Sun (4 days in 2025) |
| Labor Day Weekend |
Sat–Mon (3 days) |
| Columbus Day Weekend |
Sat–Mon (3 days) |
| Veterans Day |
Just Tuesday in 2025 |
| Thanksgiving |
Thu–Sun (4 days) |
| Christmas |
Thu–Sun (4 days in 2025) |
Thanksgiving 2025
| Date |
Day |
Banks |
| Wed, Nov 26 |
Last business day |
Open |
| Thu, Nov 27 |
Thanksgiving |
Closed |
| Fri, Nov 28 |
Day after Thanksgiving |
Open (some close early) |
| Sat–Sun |
Weekend |
Closed |
| Mon, Dec 1 |
Next full business day |
Open |
The day after Thanksgiving is not a federal holiday — most banks open, some with reduced hours. See the day after Thanksgiving banking guide for branch-by-branch details.
Christmas/New Year 2025–2026
| Date |
Day |
Banks |
| Wed, Dec 24 |
Christmas Eve |
Open (many close early) |
| Thu, Dec 25 |
Christmas Day |
Closed |
| Fri, Dec 26 |
Day after Christmas |
Open |
| Sat–Sun |
Weekend |
Closed |
| Wed, Dec 31 |
New Year’s Eve |
Open (many close early) |
| Thu, Jan 1 |
New Year’s Day 2026 |
Closed |
| Fri, Jan 2 |
Normal day |
Open |
Stock Market vs. Bank Holidays
Some days banks are closed but stock markets are open — or vice versa. This matters for traders who need to move funds between a bank account and a brokerage.
2025 Differences
| Date |
Banks |
NYSE/NASDAQ |
| Jan 20 (MLK Day) |
Closed |
Closed |
| Feb 17 (Presidents Day) |
Closed |
Closed |
| Good Friday (Apr 18) |
Open |
Closed |
| May 26 (Memorial Day) |
Closed |
Closed |
| June 19 (Juneteenth) |
Closed |
Closed |
| July 4 |
Closed |
Closed |
| Sept 1 (Labor Day) |
Closed |
Closed |
| Oct 13 (Columbus Day) |
Closed |
Open |
| Nov 11 (Veterans Day) |
Closed |
Open |
| Nov 27 (Thanksgiving) |
Closed |
Closed |
| Dec 25 (Christmas) |
Closed |
Closed |
Columbus Day and Veterans Day are the only two holidays where the stock market trades on a normal schedule while banks are closed. If you plan to trade on either day, fund your brokerage account by the Thursday before. See the individual guides for Columbus Day and Veterans Day for full details on what’s open and what’s not.
How Different Banks Handle Holidays
Major Banks
| Bank |
Friday Before Long Weekend |
Saturday Banking |
| Chase |
Normal hours |
Branches closed |
| Bank of America |
Normal hours |
Some branches open |
| Wells Fargo |
Normal hours |
Some branches open |
| Citibank |
Normal hours |
Varies by location |
| US Bank |
Normal hours |
Branches closed |
Online Banks
| Bank |
Holiday Service |
| Ally Bank |
24/7 customer service |
| Marcus |
Holiday customer service hours |
| Discover |
Extended phone hours |
| Capital One |
Limited phone support |
International Considerations
International wire transfers may face additional delays when either the US holiday calendar or the recipient country’s holiday calendar overlaps with your transfer date.
| Country |
Notable Different Holidays |
| Canada |
Thanksgiving in October, Boxing Day |
| UK |
Bank holidays differ significantly |
| Mexico |
Many unique holidays |
| Europe |
Varies by country |
Key Takeaways
- 11 federal bank holidays in both 2025 and 2026
- ACH and wire transfers don’t process — schedule payments before the holiday
- Direct deposits arrive early — the business day before, in most cases
- ATMs always available — plan cash needs regardless
- Thanksgiving and Christmas have the longest gaps — 4+ days without Fed processing
- Columbus Day and Veterans Day — the only two holidays when banks close but the stock market stays open
For a real-time check of whether banks are open right now, see are banks open today. For the complete hub covering every holiday’s impact on branches, ATMs, and transfers, visit the bank holidays guide.
Written by
WealthVieu
WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.
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