The 2025 Bank Holiday Schedule

In 2025, there are 10 federal bank holidays in the United States. These are days when most banks close their physical branches and do not process certain transactions. The holidays fall on specific dates set by federal law, though the exact observance date can shift if a holiday lands on a weekend.

The 10 federal holidays in 2025 are: New Year's Day (January 1), Martin Luther King Jr. Day (January 20), Presidents' Day (February 17), Memorial Day (May 26), Juneteenth (June 19), Independence Day (July 4), Labor Day (September 1), Columbus Day (October 13), Veterans Day (November 11), and Thanksgiving Day (November 27). Christmas Day falls on December 25.

Not all banks observe all 10 holidays the same way. Some regional banks, credit unions, and online banks may have different schedules. Your specific bank's holiday schedule appears on their website or in your account documents.

Key Takeaways

  • Federal banks close on 10 designated holidays in 2025, though the exact observance date shifts if a holiday falls on a weekend.
  • Physical branch closures do not stop online transfers, bill payments, or ATM withdrawals — those continue 24/7.
  • Deposits made on a bank holiday or weekend may not post to your account until the next business day, which affects when funds become available.
  • Wire transfers and ACH payments initiated on a holiday typically process on the next business day, not the same day.
  • Some regional banks and credit unions observe different holidays or additional days, so check your institution's specific calendar.

What Actually Closes on Bank Holidays

When a bank holiday occurs, the physical branch locations close and staff do not work. You cannot walk in, speak to a teller, or use services that require a person on the other end. However, your money does not freeze. ATMs remain available, online banking continues, and you can transfer funds between your own accounts at any time.

The real impact is on transactions that require manual processing or routing through the Federal Reserve system. Deposits made at an ATM or through mobile deposit on a holiday will not clear until the next business day. Wire transfers you initiate on a holiday will not leave your account until the following business day. Checks you deposit may take longer to clear because the bank cannot send them to the clearing house.

Bill payments you schedule online will go through on the date you set, even if that date is a holiday — the bank queues them and processes them when it reopens. The same is true for automatic recurring payments like insurance premiums or loan payments.

How Bank Holidays Affect Deposits and Transfers

The timing of when money shows up in your account depends on the type of transaction and when you initiate it. If you deposit a check at an ATM on a Friday before a Monday holiday, the deposit does not post until Tuesday. If you transfer money between two accounts at the same bank on a holiday, the transfer completes when ready in your online view, but the actual movement of funds may settle the next business day.

ACH transfers — the electronic system used for direct deposits, bill payments, and transfers between different banks — operate on a fixed schedule. The Federal Reserve does not process ACH transactions on bank holidays. If you initiate an ACH transfer on a holiday, it enters the queue and processes on the next business day. This means a direct deposit scheduled for a holiday arrives the next business day instead.

Wire transfers work differently. If you request a wire transfer on a holiday, most banks will not send it until the next business day. Some banks allow you to schedule a wire for a future date, which gives you more control. Always check with your bank about their specific cutoff times — many banks stop accepting wire requests at 2 or 3 p.m. on business days, and anything submitted after that may not process until the following day.

Planning Around Holiday Closures

If you need funds to arrive by a specific date, count backward from that date and account for bank holidays. A direct deposit scheduled for Friday will arrive Friday if Friday is a business day. If Friday is a holiday, it arrives Monday. If you need money on a Friday that is a holiday, initiate the transfer on Thursday instead.

For bill payments, most banks let you schedule them days or weeks in advance. Schedule payments at least one business day before they are due, and two business days before if a holiday falls in between. This prevents late fees if the payment does not process on the exact day you intended.

If you are expecting a check or deposit and a holiday is coming, deposit it early. Mobile deposit through your bank's app usually processes faster than ATM deposits, and both are faster than mailing a check. The sooner you deposit, the sooner the funds clear, and the less likely a holiday will delay them.

What Happens to Automatic Payments on Holidays

Automatic payments — like mortgage payments, insurance premiums, loan payments, or subscription charges — continue on their scheduled dates even when a bank holiday falls on that date. The bank does not skip the payment. Instead, the payment processes on the next business day, and your account reflects the charge then.

This matters because if an automatic payment is due on a Monday that is a holiday, it will debit your account on Tuesday. If you are counting on funds arriving Monday to cover that payment, you may overdraft. Check your bank's specific policy, but most banks will process the payment on the next business day and may charge an overdraft fee if your balance is insufficient.

If you want to avoid this, move money into the account a day or two early, or contact your service provider to change the payment date to a non-holiday.

Regional Banks and Credit Unions May Differ

Not every financial institution observes the same 10 federal holidays. Some credit unions observe additional holidays specific to their region or membership base. Some online banks that have no physical branches may not close at all on federal holidays, though they may still experience delays in processing because the Federal Reserve itself is closed.

Check your bank's or credit union's website for their specific 2025 holiday schedule. Most institutions post this information in their FAQ section or under "Hours and Locations." If you use multiple banks, each may have a different schedule, so verify each one separately.

Frequently Asked Questions

Will my direct deposit arrive on a bank holiday?

No. Direct deposits are processed through the ACH system, which does not operate on federal bank holidays. If your direct deposit is scheduled for a holiday, it will arrive on the next business day instead. Check with your employer about their deposit schedule to confirm which day your funds will actually post.

Can I withdraw money from an ATM on a bank holiday?

Yes. ATMs operate 24/7, including on bank holidays. You can withdraw cash, check your balance, and transfer money between your own accounts at any time. The only limitation is that deposits made at an ATM on a holiday will not post until the next business day.

What if I need to wire money on a bank holiday?

Most banks do not process wire transfers on federal holidays. If you submit a wire request on a holiday, it will be queued and sent on the next business day. If you know you will need a wire on or around a holiday, submit it the day before instead. Some banks allow you to schedule wires in advance, which is helpful for planning.

Do online banks close on bank holidays?

Online banks with no physical branches do not "close" in the traditional sense — you can log in and view your account anytime. However, they still experience processing delays because the Federal Reserve does not operate on bank holidays. Transfers and deposits initiated on a holiday will not process until the next business day.

Will my bill payment go through if it is due on a bank holiday?

Yes, but it may post a day late. If you schedule a bill payment for a holiday, the bank queues it and processes it on the next business day. To avoid late fees, schedule payments at least one business day before they are due, or two days before if a holiday is in between.