Bank holidays 2026–2028: when banks are closed
Last checked 2026-11-15
Most US banks close on the 11 days the Federal Reserve Banks close, which are the federal holidays. The difference from the government calendar is Saturday: when a holiday falls on a Saturday, the Fed and most banks stay open on the Friday before. When a holiday falls on a Sunday, they close on Monday.
That matters most in 2027, when Juneteenth and Christmas both fall on a Saturday. Federal offices close on the Friday, but banks are open.
2026 bank holidays
| Holiday | Banks closed |
|---|---|
| New Year's | Thu, Jan 1 |
| MLK Day | Mon, Jan 19 |
| Presidents' Day | Mon, Feb 16 |
| Memorial Day | Mon, May 25 |
| Juneteenth | Fri, Jun 19 |
| July 4th | No weekday closure (holiday on Sat, Jul 4) |
| Labor Day | Mon, Sep 7 |
| Columbus Day | Mon, Oct 12 |
| Veterans Day | Wed, Nov 11 |
| Thanksgiving | Thu, Nov 26 |
| Christmas | Fri, Dec 25 |
2027 bank holidays
| Holiday | Banks closed |
|---|---|
| New Year's | Fri, Jan 1 |
| MLK Day | Mon, Jan 18 |
| Presidents' Day | Mon, Feb 15 |
| Memorial Day | Mon, May 31 |
| Juneteenth | No weekday closure (holiday on Sat, Jun 19) |
| July 4th | Mon, Jul 5 |
| Labor Day | Mon, Sep 6 |
| Columbus Day | Mon, Oct 11 |
| Veterans Day | Thu, Nov 11 |
| Thanksgiving | Thu, Nov 25 |
| Christmas | No weekday closure (holiday on Sat, Dec 25) |
2028 bank holidays
| Holiday | Banks closed |
|---|---|
| New Year's | No weekday closure (holiday on Sat, Jan 1) |
| MLK Day | Mon, Jan 17 |
| Presidents' Day | Mon, Feb 21 |
| Memorial Day | Mon, May 29 |
| Juneteenth | Mon, Jun 19 |
| July 4th | Tue, Jul 4 |
| Labor Day | Mon, Sep 4 |
| Columbus Day | Mon, Oct 9 |
| Veterans Day | No weekday closure (holiday on Sat, Nov 11) |
| Thanksgiving | Thu, Nov 23 |
| Christmas | Mon, Dec 25 |
What still works on a bank holiday
- ATMs, debit cards, mobile deposits and online banking keep working. Deposits made on a holiday post on the next business day.
- ACH transfers and direct deposits do not settle on bank holidays. If payday falls on a holiday, many employers pay a day early.
- Fedwire and most check processing pause until the next business day.
- Some branches, especially in stores, open with reduced hours. Credit unions and online banks set their own schedules but usually follow the Fed.