US bank holidays in 2028
Most US banks follow the Federal Reserve holiday schedule. On these days branches are typically closed and ACH transfers, wires and direct deposits do not process. Online and mobile banking remain available.
| Holiday | Date | Day | Banks closed |
|---|---|---|---|
| New Year's Day | January 1, 2028 | Saturday | Reserve Banks open Friday; many branches close Saturday |
| Martin Luther King Jr. Day | January 17, 2028 | Monday | January 17, 2028 |
| Presidents Day (Washington's Birthday) | February 21, 2028 | Monday | February 21, 2028 |
| Memorial Day | May 29, 2028 | Monday | May 29, 2028 |
| Juneteenth | June 19, 2028 | Monday | June 19, 2028 |
| Independence Day | July 4, 2028 | Tuesday | July 4, 2028 |
| Labor Day | September 4, 2028 | Monday | September 4, 2028 |
| Columbus Day (Indigenous Peoples' Day) | October 9, 2028 | Monday | October 9, 2028 |
| Veterans Day | November 11, 2028 | Saturday | Reserve Banks open Friday; many branches close Saturday |
| Thanksgiving Day | November 23, 2028 | Thursday | November 23, 2028 |
| Christmas Day | December 25, 2028 | Monday | December 25, 2028 |
When a holiday falls on Sunday, the Federal Reserve observes it the following Monday. When it falls on Saturday, Reserve Banks operate normally on Friday, but many bank branches that usually open Saturdays stay closed. Individual banks can set their own hours — verify with your bank before visiting.
Other years
Related tools
Based on the Federal Reserve System holiday schedule. Individual banks may keep different hours.