The next federal bank holiday depends on today's date, but the 2025 schedule is set
Federal bank holidays in the United States follow a fixed calendar each year. Banks close on these days, which means you cannot visit a branch, make deposits at a teller, or conduct business that requires a bank employee. Online banking, ATMs, and mobile apps continue to work. If you need to know when the next one falls, check the current date against the list below — the schedule does not change year to year.
The federal holidays that close banks are: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).
Key Takeaways
- Bank holidays are set by federal law and occur on the same dates every year, though the day of the week changes.
- Banks close entirely on federal holidays, but ATMs, online banking, and mobile transfers work normally.
- If a federal holiday falls on a weekend, banks observe it on the nearest weekday — usually Friday if it falls on Saturday, or Monday if it falls on Sunday.
- Deposits made on a bank holiday or after hours may not post to your account until the next business day.
- Wire transfers, bill payments, and other transactions initiated on a holiday typically process the next business day.
How bank closures affect deposits and transfers
When you deposit a check or cash at a branch on a bank holiday, the branch is closed and you cannot complete the transaction. If you use an ATM to deposit a check, the deposit is recorded in your account when ready as pending, but the check itself is not physically processed until the next business day. The funds may not be available for withdrawal until one to two business days after that, depending on your bank's policy and the check amount.
Electronic transfers you initiate online or through a mobile app on a bank holiday are queued and process the next business day. Wire transfers, ACH transfers, and bill payments all follow this pattern. If you send money on a Friday evening and Monday is a bank holiday, the transfer typically does not leave your account until Tuesday. This matters if you are trying to meet a payment important date — a payment initiated on a holiday may arrive late.
What happens when a holiday falls on a weekend
When a federal holiday lands on a Saturday, banks observe the holiday on Friday. When it lands on a Sunday, banks observe it on Monday. This means you lose a business day either way. For example, if Independence Day (July 4) falls on a Saturday in a given year, banks close on Friday, July 3. If it falls on a Sunday, banks close on Monday, July 5.
The exception is Thanksgiving, which is always observed on the fourth Thursday of November regardless of what day it falls on. Banks close on Thanksgiving Day itself, not on a substitute date. The day after Thanksgiving (Friday) is not a federal holiday, so banks are open.
Planning around bank holidays for time-sensitive transactions
If you need to deposit a check before a specific date, do not wait until the day before a bank holiday. Deposits made at ATMs on a holiday process the next business day, and the funds may not clear for one to two days after that. If you are paying a bill by check and the payment must arrive by a certain date, mail it at least five business days before the important date to account for mail time and processing delays.
For electronic payments, initiate them at least one business day before the important date. If a bank holiday falls between today and your important date, count it as a non-business day. For example, if you need to pay a bill by Friday and Monday is a bank holiday, initiate the payment by Wednesday to be safe.
The 2025 federal bank holiday calendar
| Holiday | Date | Day of Week | Banks Closed |
|---|---|---|---|
| New Year's Day | January 1 | Wednesday | Wednesday, January 1 |
| Martin Luther King Jr. Day | January 20 | Monday | Monday, January 20 |
| Presidents' Day | February 17 | Monday | Monday, February 17 |
| Memorial Day | May 26 | Monday | Monday, May 26 |
| Juneteenth | June 19 | Thursday | Thursday, June 19 |
| Independence Day | July 4 | Friday | Friday, July 4 |
| Labor Day | September 1 | Monday | Monday, September 1 |
| Columbus Day | October 13 | Monday | Monday, October 13 |
| Veterans Day | November 11 | Tuesday | Tuesday, November 11 |
| Thanksgiving | November 27 | Thursday | Thursday, November 27 |
| Christmas | December 25 | Thursday | Thursday, December 25 |
State and regional holidays that may affect your bank
Some banks also close on state holidays or regional observances that are not federal holidays. For example, some banks in Texas close on Texas Independence Day (March 2), and some in Hawaii close on Prince Kuhio Day (March 26). These closures vary by bank and by location, so a branch in one state may be open while a branch in another state is closed on the same day.
If you bank with a national chain, check your bank's website or call your local branch to confirm whether it observes any state or regional holidays. Credit unions may have different holiday schedules than banks. The safest approach is to assume your branch is closed on all federal holidays and any state holidays your state observes, and plan accordingly.
Frequently Asked Questions
Can I use my ATM or online banking on a bank holiday?
Yes. ATMs work 24/7 regardless of bank holidays. Online banking, mobile apps, and automated phone systems also work normally. You can check your balance, transfer money between your own accounts, and deposit checks via mobile deposit. Transactions initiated on a holiday process the next business day.
If I deposit a check on a bank holiday using an ATM, when will the money be available?
The deposit is recorded as pending when ready, but the check is not physically processed until the next business day. Funds typically become available one to two business days after that, depending on the check amount and your bank's policy. Large checks may take longer.
What if a bill payment is due on a bank holiday?
If the due date falls on a bank holiday, most creditors and lenders treat the next business day as the due date. However, do not rely on this — initiate the payment at least one business day before the holiday to be safe. If you are paying by mail, send it five business days early.
Do all banks close on the same federal holidays?
All banks close on the 11 federal holidays set by law. Some banks also close on additional state or regional holidays. Check with your specific bank to confirm its holiday schedule, especially if you use a smaller regional bank or credit union.
If a holiday falls on a weekend, which day is the bank closed?
If a holiday falls on Saturday, banks close on Friday. If it falls on Sunday, banks close on Monday. This is called observing the holiday on the nearest weekday. Thanksgiving is the only exception — it is always observed on the fourth Thursday of November, never on a substitute date.