US bank holidays
Most US banks close on Federal Reserve holidays, and payment systems (ACH, wires, direct deposit) pause on those days. This calendar follows the official Federal Reserve schedule.
2026 bank holidays
- New Year's DayJanuary 1, 2026
- Martin Luther King Jr. DayJanuary 19, 2026
- Presidents Day (Washington's Birthday)February 16, 2026
- Memorial DayMay 25, 2026
- JuneteenthJune 19, 2026
- Independence DayJuly 4, 2026
- Labor DaySeptember 7, 2026
- Columbus Day (Indigenous Peoples' Day)October 12, 2026
- Veterans DayNovember 11, 2026
- Thanksgiving DayNovember 26, 2026
- Christmas DayDecember 25, 2026
Full year-by-year schedule
Quick answers
Are banks open on Saturdays and Sundays? Many branches open Saturday mornings; almost all are closed on Sunday. Weekend days are not bank business days: transfers started on Friday evening or the weekend generally begin processing the next business day.
What happens when a holiday falls on a weekend? If it falls on Sunday, banks close the following Monday. If it falls on Saturday, the Federal Reserve operates normally on Friday, but many branches that usually open Saturdays stay closed.
Does online banking work on holidays? Yes — apps, ATMs and card payments work. What pauses is settlement: ACH transfers, wires and direct deposits wait for the next business day.
Tools
Based on the Federal Reserve System holiday schedule. Individual banks may keep different hours; verify with your bank.