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Bank holidays 2026 and 2027

Dates below are from the Federal Reserve Board's official K.8 holiday schedule and the Federal Reserve Banks' Financial Services holiday page, both covering 2026–2030. K.8 was last updated July 8, 2026. Times and the “next holiday” box use the America/New_York calendar date.

The Federal Reserve's holiday calendar is the de facto standard for when U.S. bank branches close and when many payments settle. It is a custom, not a federal law that forces every bank to lock its doors. Do all banks follow the same rules? Short answer: no — and the differences matter on days like Columbus Day and when a holiday falls on a weekend.

2026 schedule · 2027 schedule · Weekend rule · Do all banks close? · Deposits, direct deposit & bill pay · State holidays · Juneteenth

2026 Federal Reserve holidays

Independence Day 2026 falls on Saturday, July 4. Federal Reserve Banks and Branches are open Friday, July 3; the Board of Governors is closed that Friday (Federal Reserve K.8).

2027 Federal Reserve holidays

In 2027, Juneteenth (June 19) and Christmas (December 25) fall on Saturday, so Federal Reserve Banks stay open the preceding Friday (the Board of Governors is closed those Fridays). Independence Day falls on Sunday, July 4, so all Federal Reserve offices close Monday, July 5. New Year's Day 2028 also falls on Saturday, so the Board of Governors is closed Friday, December 31, 2027, while Federal Reserve Banks remain open that day.

What if a holiday falls on a weekend?

The Federal Reserve publishes this rule at the top of the K.8 schedule and on the Reserve Banks' holiday page:

• Saturday holidays: Federal Reserve Banks and Branches are open the preceding Friday. The Board of Governors in Washington is closed that Friday. Because Saturday is already a weekend, Fedwire, FedACH, and the National Settlement Service also do not run on the Saturday itself.
• Sunday holidays: All Federal Reserve offices are closed the following Monday.

This is easy to mix up with the rule many offices use (close Friday if the holiday is Saturday). For 2026–2027, the practical results are:

• Friday, July 3, 2026: Federal Reserve Banks are open; the Board of Governors is closed. Independence Day is Saturday, July 4.
• Friday, June 18, 2027, and Friday, December 24, 2027: same pattern, for Juneteenth and Christmas.
• Monday, July 5, 2027: all Federal Reserve offices are closed for Sunday, July 4.

Commercial banks may still close on that Friday even when Federal Reserve Banks stay open. In California, the Friday before a Saturday Independence Day, Admission Day, or Christmas is an optional bank holiday under Civil Code section 7.1. Check your bank's own holiday hours if you need a branch the Friday before a Saturday holiday.

Do all banks follow the same holiday rules?

No. Federal law designates public holidays for federal employees, and the Federal Reserve closes its Banks and most payment services on the K.8 dates above. But nothing in federal law requires a commercial bank to close its branches on those days.

The Office of the Comptroller of the Currency tells national banks and federal savings associations that each institution's board (or equivalent) should set its own customer hours, “independently of any other bank” (12 CFR 7.3000(a)). In practice, most banks still follow the Fed schedule, because Fedwire, FedACH, and the National Settlement Service do not settle on those holidays — so a deposit or wire accepted at a branch often cannot finish moving until the next business day.

There are real exceptions:

• Some banks stay open on selected Fed holidays. TD Bank's 2026 holiday schedule says its stores are open on Presidents Day (February 16) and Indigenous People's Day (October 12) and closed on Veterans Day (November 11) and the other listed federal holidays. By contrast, M&T Bank and Commerce Bank list both Indigenous People's Day / Columbus Day and Veterans Day as 2026 branch closures. Some parts of a bank may also follow the stock-exchange calendar instead (M&T notes that certain capital-markets and wealth units close on Good Friday and stay open on Veterans Day and Columbus Day).
• Saturday hours vary, especially at in-store branches. Many banks, including supermarket locations, are open on typical Saturdays even though Fed payment systems do not settle on weekends. TD Bank says its supermarket stores follow the same holiday closings as its traditional stores, so a grocery-store branch is not automatically open on a federal holiday. Always check that location.
• Online, mobile, ATMs, and some instant payments keep working. Branch closures do not usually shut off self-service channels. See payments below.

If a state or authorized state official declares a legal holiday for ceremonial or emergency reasons, that day is also a legal holiday for national banks in the affected area, and those banks may close or remain open unless the Comptroller directs otherwise (12 CFR 7.3000(c); 12 U.S.C. § 95(b)).

What happens to deposits, direct deposit, and bill pay?

A closed branch is only part of the story. The bigger effect for most people is that several wholesale payment systems follow the Federal Reserve Banks' holiday calendar.

• Direct deposit (ACH credits). The ACH Network does not settle payments on weekends or federal holidays when the Federal Reserve's settlement service is closed, according to Nacha. Standard industry practice is that a payday that would fall on a weekend or holiday is paid on the prior business day, so employees usually have the money the business day before the holiday (Nacha, How ACH payments work).
• Bill pay (ACH debits). The same settlement pause applies to debit payments. Standard industry practice is that a bill payment due on a holiday or weekend is collected on the next business day, which favors the consumer (Nacha).
• Wires (Fedwire) and National Settlement Service. The Federal Reserve Banks observe Saturdays, Sundays, and the holidays on the Banks' holiday schedule. Those days are not funds-transfer business days or settlement days (Fedwire Funds Service and National Settlement Service operating hours). A wire sent on a holiday is held until the next funds-transfer business day.
• Check deposits and funds availability. Under Regulation CC, a “banking day” is the part of a business day when a bank office is open for substantially all of its banking functions. A “business day” is a calendar day other than Saturday, Sunday, or the federal holidays listed in the rule. If you deposit a check on a holiday or after the branch's cutoff, the deposit is generally considered received on the next banking day (12 CFR 229.2(f)–(g)). (Regulation CC's printed holiday list has not been updated to name Juneteenth; banks and the Fed still close for it, and you should go by your bank's funds-availability disclosure.)
• ATMs, debit cards, online and mobile banking. These usually remain available. The transaction may post on the next business day.
• Instant payments. The Federal Reserve's FedNow Service operates each day of the week, including weekends and Federal Reserve Bank holidays, if both the sending and receiving banks use it.

The Reserve Banks also publish a FedACH holiday processing schedule with the exact times files stop and resume around each holiday. Consumers don't need those cutoff times; the simple rule is that ordinary ACH and Fedwire settlement waits for a business day.

State holidays and bank hours

Some states recognize holidays that are not on the Federal Reserve list. That does not automatically close every bank in the state, but it can affect hours, especially at state-chartered institutions, and it can make the day a legal holiday for national banks in that state under 12 CFR 7.3000(c).

One clearly sourced example is California. California Civil Code section 7.1 lists “optional bank holidays,” including Lincoln Day (February 12), Admission Day (September 9), Good Friday from noon until closing, and the Friday before a Saturday Independence Day, Admission Day, or Christmas. A bank in California may be open or closed on those optional holidays; if it is open, transactions can still be completed that day (Civil Code section 9). Cesar Chavez Day (March 31) is a California state holiday for many public offices, but it is not on the Civil Code 7.1 optional bank-holiday list, so we do not treat it as a bank holiday here.

Elsewhere, a state legal holiday is not always a bank holiday. For example, Massachusetts law specifically allows banks to remain closed on Saturdays and on days the governor asks businesses to close for mourning, rejoicing, or an emergency (Mass. Gen. Laws ch. 167, § 21); it does not, by itself, require banks to close on Patriots' Day. If you bank in a state with extra public holidays, check your bank rather than assuming the branch is closed.

Juneteenth

Juneteenth National Independence Day (June 19) became a federal public holiday when the President signed the Juneteenth National Independence Day Act on June 17, 2021 (Public Law 117-17). The Federal Reserve Board added it to the official holiday schedule. It appears on the K.8 calendar for 2026–2030, including Friday, June 19, 2026, and Saturday, June 19, 2027 (when Reserve Banks stay open Friday, June 18, and the Board of Governors is closed that Friday).

In 2021 the holiday fell on Saturday. The Board's offices in Washington were closed Friday, June 18, while Federal Reserve Financial Services operated normally that Friday — the standard practice when a federal holiday falls on a Saturday (Federal Reserve Board, June 17, 2021). The FDIC's FIL-44-2021 told supervised institutions to follow their state-charter requirements, consider customer needs, and tell customers their plans. That first-year episode is a useful reminder that the Fed schedule and a commercial bank's lobby hours are related, but not the same thing.

Frequently asked questions

Sources

1. Federal Reserve Board, Holidays Observed (K.8), 2026–2030 (last update July 8, 2026)
2. Federal Reserve Banks Financial Services, Holiday Schedules, including the FedACH processing schedule
3. Fedwire Funds Service and National Settlement Service operating hours
4. FedNow Service operating hours
5. 12 CFR 7.3000, national bank and federal savings association operating hours and closings
6. 12 CFR 229.2, Regulation CC definitions of banking day and business day
7. Nacha, ACH Payments Fact Sheet; How ACH payments work
8. TD Bank 2026 holiday schedule; M&T Bank 2026 holiday calendar; Commerce Bank 2026 holiday schedule
9. California Civil Code § 7.1 (optional bank holidays) and Massachusetts General Laws ch. 167, § 21
10. Juneteenth National Independence Day Act, Pub. L. 117-17; Federal Reserve Board press release, June 17, 2021; FDIC FIL-44-2021

Reviewed November 9, 2026. Holiday dates are taken from the official Federal Reserve schedules cited above. Branch hours are set by each bank and can differ from the Fed calendar and from other branches of the same bank. This page is educational only and is not legal, financial, or tax advice. Confirm hours and posting rules with your bank. Bank names, logos, and data are from public sources or trademarks of their respective owners. BankNearMe.com is independent and not affiliated with or endorsed by any bank, the FDIC, Federal Reserve, or any government agency.

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