There are 11 federal bank holidays each year. On each of these dates, the Federal Reserve suspends payment processing — no ACH transfers settle, no wire transfers clear, and bank branches close nationwide. ATMs, mobile banking, and online banking remain available throughout, but anything requiring the Federal Reserve’s settlement network waits until the next business day.
The Federal Reserve Bank Services publishes the official holiday schedule through 2030. The dates below come directly from that source.
Federal Reserve Holiday Schedule 2026–2030
This multi-year table lets you identify banking closures years in advance — useful for mortgage closings, payroll planning, and any time-sensitive transfers. All dates are sourced from the Federal Reserve Bank Services official holiday schedule.
| Holiday | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| New Year’s Day | Jan 1 | Jan 1 | Jan 1† | Jan 1 | Jan 1 |
| Martin Luther King Jr. Day | Jan 19 | Jan 18 | Jan 17 | Jan 15 | Jan 21 |
| Presidents Day | Feb 16 | Feb 15 | Feb 21 | Feb 19 | Feb 18 |
| Memorial Day | May 25 | May 31 | May 29 | May 28 | May 27 |
| Juneteenth | Jun 19 | Jun 19† | Jun 19 | Jun 19 | Jun 19 |
| Independence Day | Jul 4† | Jul 4‡ | Jul 4 | Jul 4 | Jul 4 |
| Labor Day | Sep 7 | Sep 6 | Sep 4 | Sep 3 | Sep 2 |
| Columbus Day | Oct 12 | Oct 11 | Oct 9 | Oct 8 | Oct 14 |
| Veterans Day | Nov 11 | Nov 11 | Nov 11† | Nov 11‡ | Nov 11 |
| Thanksgiving Day | Nov 26 | Nov 25 | Nov 23 | Nov 22 | Nov 28 |
| Christmas Day | Dec 25 | Dec 25† | Dec 25 | Dec 25 | Dec 25 |
† Falls on Saturday — Federal Reserve Banks and Branches remain open the preceding Friday; ACH processing continues normally. Commercial bank branches often close Friday as a courtesy, but no ACH disruption occurs.
‡ Falls on Sunday — All Federal Reserve offices closed the following Monday. This creates a genuine extra non-processing day.
Key years to watch:
- 2027: Both Juneteenth (Jun 19, Sat) and Christmas (Dec 25, Sat) fall on Saturdays — no extra ACH disruption. But Independence Day (Jul 4, Sun) is observed Monday July 5 — ACH pauses Monday.
- 2028: New Year’s Day (Jan 1, Sat), Juneteenth (Jun 19, Mon), Veterans Day (Nov 11, Sat) — significant Monday MLK/Presidents/Memorial/Labor/Columbus holidays cluster with minor Saturday exceptions.
- 2029: Veterans Day falls on Sunday November 11 — observed Monday November 12. The only Sunday holiday that year.
- 2030: All 11 holidays fall on weekdays or are handled by the standard substitution rules.
2026 Bank Holiday Schedule
Six 2026 bank holidays have already occurred. Five remain.
| Holiday | 2026 Date | Day |
|---|---|---|
| Labor Day | September 7 | Mon |
| Columbus Day | October 12 | Mon |
| Veterans Day | November 11 | Wed |
| Thanksgiving Day | November 26 | Thu |
| Christmas Day | December 25 | Fri |
†July 4 falls on Saturday in 2026. Federal Reserve Banks remained open Friday, July 3. ACH processing was not disrupted beyond the normal weekend gap. Many commercial branches closed Friday July 3 as a courtesy.
2027 Bank Holiday Schedule
In 2027, Independence Day (July 4) falls on Sunday — all Federal Reserve offices close the following Monday, July 5. Juneteenth and Christmas both fall on Saturday, meaning Federal Reserve Banks remain open the preceding Friday with no ACH disruption on those Fridays.
| Holiday | 2027 Date | Day |
|---|---|---|
| New Year’s Day | January 1 | Fri |
| Martin Luther King Jr. Day | January 18 | Mon |
| Presidents Day | February 15 | Mon |
| Memorial Day | May 31 | Mon |
| Juneteenth | June 19 | Sat† |
| Independence Day | July 5 (observed) | Mon‡ |
| Labor Day | September 6 | Mon |
| Columbus Day | October 11 | Mon |
| Veterans Day | November 11 | Thu |
| Thanksgiving Day | November 25 | Thu |
| Christmas Day | December 25 | Sat† |
†Saturday — Federal Reserve Banks open Friday. No ACH disruption on the preceding Friday. ‡July 4 falls on Sunday — all Federal Reserve offices closed Monday July 5.
Saturday vs. Sunday Holidays: A Critical Difference
Not all weekend holidays are equal. How a holiday falls on the weekend determines whether an extra business day is lost.
| Holiday Falls On | Federal Reserve Rule | ACH Impact |
|---|---|---|
| Saturday | Fed Banks/Branches open preceding Friday | No extra ACH day lost — only normal weekend gap |
| Sunday | All Federal Reserve offices closed following Monday | One extra business day lost |
Practical example (2026 vs 2027 Independence Day):
- 2026: July 4 is Saturday. Fed Banks open Friday July 3. ACH has only the standard Fri-night to Sun-evening gap — identical to any normal weekend. Commercial branches often close Friday as a courtesy.
- 2027: July 4 is Sunday. All Fed offices closed Monday July 5. ACH pauses from Friday July 4 evening through Monday July 7 evening — a genuine 3-day processing gap.
A Sunday holiday always creates more disruption than a Saturday holiday. When planning time-sensitive transfers, check whether the holiday falls on Saturday or Sunday before adjusting your schedule.
FedACH Processing Cutoffs — 2026
FedACH is the Federal Reserve’s ACH network that processes direct deposits and electronic bill payments. The table below shows the exact processing windows for each 2026 holiday, sourced from the Federal Reserve Bank Services.
| Holiday | ACH Processing Ends | ACH Processing Resumes |
|---|---|---|
| New Year’s Day (Jan 1, Thu) | Dec 31, 2025, 11:30 PM ET | Jan 1, 2026, 5:30 PM ET |
| MLK Day (Jan 19, Mon) | Jan 17, 2026, 3:00 AM ET | Jan 19, 2026, 5:30 PM ET |
| Presidents Day (Feb 16, Mon) | Feb 14, 2026, 3:00 AM ET | Feb 16, 2026, 5:30 PM ET |
| Memorial Day (May 25, Mon) | May 23, 2026, 3:00 AM ET | May 25, 2026, 5:30 PM ET |
| Juneteenth (Jun 19, Fri) | Jun 18, 2026, 11:30 PM ET | Jun 21, 2026, 5:30 PM ET |
| Independence Day (Jul 4, Sat) | Jul 3, 2026, 11:30 PM ET | Jul 5, 2026, 5:30 PM ET |
| Labor Day (Sep 7, Mon) | Sep 5, 2026, 3:00 AM ET | Sep 7, 2026, 5:30 PM ET |
| Columbus Day (Oct 12, Mon) | Oct 10, 2026, 3:00 AM ET | Oct 12, 2026, 5:30 PM ET |
| Veterans Day (Nov 11, Wed) | Nov 10, 2026, 11:30 PM ET | Nov 11, 2026, 5:30 PM ET |
| Thanksgiving Day (Nov 26, Thu) | Nov 25, 2026, 11:30 PM ET | Nov 26, 2026, 5:30 PM ET |
| Christmas Day (Dec 25, Fri) | Dec 24, 2026, 11:30 PM ET | Dec 27, 2026, 5:30 PM ET |
Third file delivery begins at 8:15 PM ET on days processing resumes.
What these times mean for you:
- Monday holidays (MLK, Presidents, Memorial, Labor, Columbus): Processing ends early Saturday morning (3 AM ET), giving the Fed time to close for the three-day weekend. Submit any critical ACH files by Friday afternoon.
- Mid-week holidays (Veterans Day, Thanksgiving, Christmas Eve): Processing ends the evening before the holiday. Resumes the same holiday evening, so next-day business is not further delayed.
- Friday holidays (Juneteenth, Christmas 2026): Processing ends Thursday night. With the weekend immediately following, ACH resumes Sunday evening — a Thu–Sun gap.
- Saturday holidays (Independence Day 2026): Processing ends Friday night — same as any normal weekend. No extra disruption.
What Happens on Bank Holidays
Not everything stops on a bank holiday — just the parts that require the Federal Reserve’s settlement network.
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
Payroll processors submit ACH files to the Fed one to two business days before your scheduled payday. If your payday falls on a bank holiday, the ACH network cannot settle the payment, so payroll must be submitted earlier.
In practice, most employers process payroll one day early during holiday weeks. You’ll typically see your deposit on Wednesday if your normal Thursday payday is Thanksgiving, or on Friday if your Monday payday is Labor Day.
Worked example: Your rent is $1,800 due on the 11th of each month. In November 2026, the 11th is Veterans Day — a federal bank holiday. Your landlord’s bank cannot receive an ACH payment on that date. If you schedule a bank transfer for the 11th, it will process on the 12th instead. To avoid any risk of a late payment notice, schedule the transfer for November 10th.
| Normal Pay Date | If on Holiday | You’ll Receive |
|---|---|---|
| Thursday (Thanksgiving) | Holiday | Wednesday before |
| Friday (Christmas 2026) | Holiday | Thursday before |
| Monday (Labor Day) | Holiday | Friday before |
For a deeper look at how each individual holiday affects payroll and transfers, see the guides for MLK Day, Presidents Day, and Columbus Day.
Bill Payments
Scheduled bill payments via ACH face the same delay as direct deposits. Most major lenders recognize holiday delays and do not assess late fees, but verify this with your specific lender for any payment that falls close to the end of a grace period. When in doubt, schedule the payment a day early.
Transfers Between Banks
Wire transfers do not process at all on federal holidays. If you need to send a time-critical wire — closing costs for a home purchase, a large business payment — make sure it is sent and confirmed by 5 PM on the last business day before the holiday. Banks typically cut off same-day wires at 3–4 PM.
| Transfer Type | Holiday Impact |
|---|---|
| ACH (standard) | Adds 1+ business day |
| Wire transfer | Not processed |
| Same-bank transfer | Usually immediate |
| Zelle / instant | Usually works |
Planning Around Bank Holidays
Before Long Weekends
- Review scheduled payments two to three days before the holiday for anything due during the gap
- Withdraw any cash you might need — ATMs always work but can run low at tourist areas
- Initiate bank-to-bank transfers at least two business days before a critical deadline
- Send time-sensitive wires by 5 PM (or earlier, per your bank’s cutoff) on the last business day
Remaining 2026 Banking Gaps
| Period | Days Without Fed Processing |
|---|---|
| Labor Day Weekend | Sat–Mon (3 days) |
| Columbus Day Weekend | Sat–Mon (3 days) |
| Veterans Day | Wednesday only |
| Thanksgiving | Thu–Sun (4 days) |
| Christmas–New Year | Fri Dec 25 → Sun Dec 27 (3 days), then Fri Jan 1, 2027 |
Holiday Weekends Requiring Extra Planning
Thanksgiving 2026 and 2027
Thanksgiving creates the longest single-holiday banking gap of the year — Thursday through Sunday — and it falls in a month when many people face major financial obligations: end-of-month rent, mortgage payments, and holiday spending.
The day after Thanksgiving is not a federal holiday. Most banks open with normal or near-normal hours on Black Friday. See the day after Thanksgiving banking guide for branch-by-branch details.
Thanksgiving 2026 (November 26):
| Date | Day | Banks |
|---|---|---|
| Wed, Nov 25 | Last business day | Open |
| Thu, Nov 26 | Thanksgiving | Closed |
| Fri, Nov 27 | Day after Thanksgiving | Open (some close early) |
| Sat–Sun | Weekend | Closed |
| Mon, Nov 30 | Next full business day | Open |
Christmas/New Year 2026–2027
Christmas 2026 falls on Friday, and New Year’s Day 2027 also falls on Friday — two separate bank-closure Fridays within one week. Aim to complete all year-end financial transactions by December 23rd.
| Date | Day | Banks |
|---|---|---|
| Tue, Dec 22 | 3 days before — safe wire deadline | Open |
| Wed, Dec 23 | Last safe day for year-end transfers | Open |
| Thu, Dec 24 | Christmas Eve | Open (many close early) |
| Fri, Dec 25 | Christmas Day | Closed |
| Sat–Sun | Weekend | Closed |
| Mon, Dec 28 | First full business day after Christmas | Open |
| Tue–Thu, Dec 29–31 | Year-end window | Open |
| Fri, Jan 1, 2027 | New Year’s Day | Closed |
| Mon, Jan 4, 2027 | Normal business resumes | Open |
Stock Market vs. Bank Holidays
Columbus Day and Veterans Day are bank holidays but not stock market holidays — markets trade a full session while banks are closed. Good Friday reverses this: markets close, banks stay open.
If you plan to trade on Columbus Day or Veterans Day, fund your brokerage account by the Thursday before. Any capital you need must already be inside your brokerage, since you cannot wire funds from a closed bank.
2026 Bank vs. Market
| Date | Banks | NYSE/NASDAQ |
|---|---|---|
| Jan 19 (MLK Day) | Closed | Closed |
| Feb 16 (Presidents Day) | Closed | Closed |
| Good Friday (Apr 3) | Open | Closed |
| May 25 (Memorial Day) | Closed | Closed |
| Jun 19 (Juneteenth) | Closed | Closed |
| Jul 4 (Independence Day, Sat) | Open (Fed) / branches vary | Closed |
| Sep 7 (Labor Day) | Closed | Closed |
| Oct 12 (Columbus Day) | Closed | Open |
| Nov 11 (Veterans Day) | Closed | Open |
| Nov 26 (Thanksgiving) | Closed | Closed |
| Dec 25 (Christmas) | Closed | Closed |
See the individual guides for Columbus Day and Veterans Day for full details.
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
If you send or receive international wire transfers, track two holiday calendars simultaneously: the US Federal Reserve schedule and the receiving country’s central banking holidays. A transfer to a UK bank account around Christmas can face delays from both US Christmas (December 25) and UK Boxing Day (December 26).
Give international wires at least three to five business days of buffer around any major holiday in either country.
| 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 each year, sourced from the Federal Reserve Bank Services official schedule through 2030
- Saturday holidays ≠ extra disruption — Federal Reserve Banks stay open Friday; ACH processes normally. Only Sunday holidays (observed Monday) lose an extra banking day.
- ACH and wire transfers don’t process on holidays — schedule payments before the holiday using the FedACH cutoff times above
- Direct deposits arrive early — the business day before, in most cases
- Columbus Day and Veterans Day: banks closed, stock markets open — fund your brokerage in advance
- Christmas 2026 (Friday) and New Year’s 2027 (Friday): two consecutive long weekends at year-end — complete all year-end transfers by December 23rd
- 2027 watch dates: Independence Day moves to Monday July 5 (Sunday observed); Juneteenth and Christmas fall on Saturday with no ACH disruption
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