Bank Holidays 2026
The federal bank holiday schedule for 2026, 2027 and 2028.
Banks close on weekends and on the 11 federal holidays below. When a Federal Reserve holiday falls on a Sunday, banks close Monday. When it falls on a Saturday, banks are open Friday.
Bank Holidays 2026
| Holiday | 2026 | 2027 | 2028 |
|---|---|---|---|
| New Year’s Day | Jan 1Thu | Jan 1Fri | Jan 1*Sat |
| Martin Luther King Jr. Day | Jan 19Mon | Jan 18Mon | Jan 17Mon |
| Washington’s Birthday (Presidents Day) | Feb 16Mon | Feb 15Mon | Feb 21Mon |
| Memorial Day | May 25Mon | May 31Mon | May 29Mon |
| Juneteenth | Jun 19Fri | Jun 19*Sat | Jun 19Mon |
| Independence Day | Jul 4*Sat | Jul 4**Sun | Jul 4Tue |
| Labor Day | Sep 7Mon | Sep 6Mon | Sep 4Mon |
| Columbus Day (Indigenous Peoples’ Day) | Oct 12Mon | Oct 11Mon | Oct 9Mon |
| Veterans Day | Nov 11Wed | Nov 11Thu | Nov 11*Sat |
| Thanksgiving Day | Nov 26Thu | Nov 25Thu | Nov 23Thu |
| Christmas Day | Dec 25Fri | Dec 25*Sat | Dec 25Mon |
- * Saturday: banks are open the Friday before (July 3, 2026; June 18, 2027; December 24, 2027; December 31, 2027; November 10, 2028).
- ** Sunday: banks are closed the following Monday (July 5, 2027).
What is a bank holiday?
A bank holiday is a business day when banks are closed. Most U.S. banks follow the Federal Reserve holiday schedule, which matches the federal holidays. On a bank holiday the Fed doesn’t settle ACH or wire payments, so direct deposits and transfers move to the next business day. Online banking still works, but what you do that day usually posts the next business day.
What are the 2026 bank holidays?
- Thursday, January 1: New Year’s Day
- Monday, January 19: Martin Luther King Jr. Day
- Monday, February 16: Washington’s Birthday (Presidents Day)
- Monday, May 25: Memorial Day
- Friday, June 19: Juneteenth
- Saturday, July 4: Independence Day (banks open Friday)
- Monday, September 7: Labor Day
- Monday, October 12: Columbus Day (Indigenous Peoples’ Day)
- Wednesday, November 11: Veterans Day
- Thursday, November 26: Thanksgiving Day
- Friday, December 25: Christmas Day
Bank holiday 2026 exceptions
Weekend holidays follow two rules. When a bank holiday falls on a Saturday, Federal Reserve Banks are open the Friday before. When it falls on a Sunday, banks close the following Monday. For example, Independence Day 2026 falls on a Saturday, so banks are open Friday, July 3, 2026; Juneteenth 2027 falls on a Saturday, so banks are open Friday, June 18, 2027. Some banks open their branches on Columbus Day and Veterans Day, but payments still won’t settle until the next business day.
Plan your payroll dates around bank holidays
When payday lands on or right after a bank holiday, run payroll a business day early so direct deposits arrive on time. PayNortheast plans these dates for employers on Long Island and across New York and New Jersey. Contact us to see how we’d run your payroll calendar.