Banks in the US close on 11 federal holidays in 2026
The Federal Reserve sets the calendar. Every bank observes the same federal holidays, though some regional banks may add closures for state holidays. The 11 days in 2026 are: New Year's Day (January 1), Martin Luther King Jr. Day (January 19), Presidents' Day (February 16), Memorial Day (May 25), Juneteenth (June 19), Independence Day (July 3, observed), Labor Day (September 7), Columbus Day (October 12), Veterans Day (November 11), Thanksgiving (November 26), and Christmas (December 25).
When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. July 4, 2026 falls on a Saturday, so most banks close on Friday, July 3. If you need to deposit a check or transfer money on a holiday, the transaction will process the next business day.
Key Takeaways
- All US banks close on the same 11 federal holidays each year, set by the Federal Reserve.
- When a holiday lands on Saturday or Sunday, banks close on the nearest weekday instead.
- Deposits made on a holiday or weekend will post the next business day, not when ready.
- Some banks in specific states may close for additional state holidays beyond the federal list.
- ATMs and online banking remain available on all holidays, even when branch offices are closed.
How holiday closures affect your transactions
A check you deposit on a holiday will not clear until the next business day. If you deposit on Friday and Monday is a holiday, the check clears on Tuesday. Wire transfers and ACH transfers (the electronic moves between accounts) follow the same rule—they process on the next business day the banking system is open.
Bill payments scheduled for a holiday will go through on the next business day instead. If you set up an automatic payment to arrive on a holiday, the system will delay it. This matters if you are trying to avoid a late fee; contact your biller to confirm they will not penalize you for a one-day delay caused by the holiday.
Which holidays affect which banks
Every national bank and credit union closes on the 11 federal holidays. State-chartered banks that are members of the Federal Reserve also close on these days. However, some state-chartered banks that are not Federal Reserve members may observe different holidays or stay open longer.
A handful of states recognize additional holidays beyond the federal list. If your bank is headquartered in one of those states, it may close on that day even though it is not a federal holiday. For example, some banks in Texas close on Texas Independence Day (March 2). Call your bank directly or check their website to see whether they observe any state-specific closures.
The 2026 federal holiday schedule
| Holiday | Date in 2026 | Bank Closure Date |
|---|---|---|
| New Year's Day | Thursday, January 1 | January 1 |
| Martin Luther King Jr. Day | Monday, January 19 | January 19 |
| Presidents' Day | Monday, February 16 | February 16 |
| Memorial Day | Monday, May 25 | May 25 |
| Juneteenth | Friday, June 19 | June 19 |
| Independence Day | Saturday, July 4 | July 3 (Friday) |
| Labor Day | Monday, September 7 | September 7 |
| Columbus Day | Monday, October 12 | October 12 |
| Veterans Day | Wednesday, November 11 | November 11 |
| Thanksgiving | Thursday, November 26 | November 26 |
| Christmas | Friday, December 25 | December 25 |
What you can still do on a bank holiday
ATMs work on every holiday. You can withdraw cash, check your balance, and transfer money between your own accounts at an ATM even when the branch is closed. Online banking—checking balances, paying bills, moving money between accounts—is available 24/7, including holidays.
Mobile apps work the same way. You can send money through your bank's app, set up transfers, or deposit a check by photograph on a holiday. The transaction will be queued and process the next business day, but you can initiate it whenever you want.
Planning around holiday closures
If you need cash or need to make a time-sensitive payment, plan ahead. Deposit checks or set up transfers by the business day before the holiday. If a holiday falls on Monday, complete your banking on Friday. If you are waiting for a deposit to clear before paying a bill, account for the extra day.
Some banks offer extended hours on the day before a holiday weekend. Call ahead or check your bank's website to see whether your branch stays open later. A few banks in major cities remain open on some holidays, though this is rare.
Frequently Asked Questions
Will my direct deposit arrive on a bank holiday?
No. If your employer deposits your paycheck on a holiday, it will post the next business day. If payday falls on a Friday and Monday is a holiday, your deposit arrives Tuesday. Check with your employer about their payroll schedule if you need the money urgently.
Can I use my debit card on a holiday?
Yes. Debit cards work at any merchant or ATM on holidays. The transaction will process normally at the point of sale. Your bank's branch may be closed, but the payment network is open.
What if I need to speak to someone at my bank on a holiday?
Most banks do not staff branches on federal holidays. Some large banks operate a customer service phone line on major holidays like Christmas and Thanksgiving. Check your bank's website or the back of your debit card for a holiday customer service number.
Do credit unions close on the same holidays as banks?
Yes. Federal credit unions close on all 11 federal holidays. State-chartered credit unions that are insured by the National Credit Union Administration also close on these days. A few state-chartered credit unions not federally insured may have different schedules.
What happens if I try to deposit a check on a holiday?
If you use a mobile app or ATM, the deposit will be accepted and queued to process the next business day. If you try to visit a branch, it will be closed. The check will not clear any faster if you deposit it on a holiday versus the next business day.