US Bank Holidays 2028

What makes the 2028 bank holidays different

New Year’s Day 2028 is observed in 2027

January 1, 2028 is a Saturday. The federal government moves a Saturday holiday to the Friday before, as the Office of Personnel Management explains, and OPM’s 2028 table lists New Year’s Day on Friday, December 31, 2027. The Federal Reserve does not move it. Its schedule says that for a Saturday holiday the Reserve Banks and branches are open the preceding Friday and only the Board of Governors is closed; a footnote names December 31, 2027 as that day. The Federal Reserve corrected this footnote on July 8, 2026, from December 31, 2028 to December 31, 2027.

The result: the Reserve Banks have no New Year’s closure at all for 2028. December 31, 2027 is a normal settlement day, and the first business day of 2028 is Monday, January 3. The NYSE also observes no New Year’s Day holiday in 2028, according to the NYSE Group holiday calendar for 2026 to 2028.

Veterans Day falls on a Saturday

November 11, 2028 is also a Saturday (see Veterans Day). Federal offices close on Friday, November 10; the Reserve Banks are open and payments settle. The NYSE does not observe Veterans Day, so it is open too.

No Sunday holidays; Juneteenth and Christmas on a Monday

No 2028 holiday falls on a Sunday, so no observed Monday closure is added. Juneteenth (Monday, June 19) and Christmas Day (Monday, December 25) happen to fall on a Monday, which turns both into three-day weekends. Independence Day is a Tuesday, July 4; Monday, July 3 is a regular business day for the Reserve Banks, while the NYSE closes early that day, at 1:00 p.m. ET.

Bank holidays 2028 and payments

On the nine closure days, FedACH and Fedwire do not settle payments; a payment due that day moves to a business day before or after it. Branch hours are set by each bank, so check your bank’s holiday notice or see bank holiday hours. The Federal Reserve’s FedNow Service for instant payments runs every day, including holidays, when both banks offer it.

Two things are not settled yet for 2028:

• FedACH holiday windows. Federal Reserve Financial Services publishes when FedACH processing stops before each holiday and resumes after it. On October 23, 2026, its holiday schedule page listed these windows for 2026 only.
• Fedwire on holidays. The Federal Reserve has announced that the Fedwire Funds Service will add Sundays and weekday holidays as operating days, to be implemented in 2028 or 2029, with use by banks voluntary. Until that happens, Fedwire treats Federal Reserve holidays as non-business days. We check for a start date when we review this page.

For payroll, 2028 is quiet: none of the nine closures falls on the 1st, the 15th, the last day of a month or a Friday. Christmas Day on Monday, December 25 affects pay dates on the 25th. More on pay dates is on the direct deposit page.

How many business days in 2028

2028 has 260 weekdays. Take away the nine weekday Federal Reserve closures and 251 business days remain, the same as 2026 and one fewer than 2027. March and August have the most business days (23 each); six months have 20.

Friday, November 10 counts as a business day here, because a closure of the Board of Governors alone does not stop ACH or Fedwire settlement. By the federal government’s calendar, which skips November 10, there are 250 workdays in 2028. Two examples show the difference:

• 3 business days after Wednesday, November 8, 2028 is Monday, November 13. On the federal calendar it is Tuesday, November 14.
• 3 business days after Wednesday, December 29, 2027 is Monday, January 3, 2028. On the federal calendar, which skips December 31, it is Tuesday, January 4.

The business days calculator uses the Federal Reserve calendar and does not count the start date.

Questions about the 2028 bank holidays

Is December 31, 2027 a bank holiday?

For federal offices, yes: it is the observed New Year’s Day 2028. For payments, no: the Reserve Banks are open, and ACH and Fedwire settle as usual. Branch hours are set by each bank. The 2027 bank holidays page covers that day in detail.

Is Good Friday a bank holiday in 2028?

No. Good Friday, April 14, 2028, is not a Federal Reserve holiday, so payments settle as usual. The NYSE is closed that day. Easter Monday, April 17, is not a US federal or Federal Reserve holiday.

Are banks open on the day after Thanksgiving 2028?

Friday, November 24, 2028 is not a Federal Reserve holiday, so ACH and Fedwire run normally. Branch hours vary by bank, and the NYSE closes early, at 1:00 p.m. ET.

About the 2028 dates on this page

• Confirmed: all eleven 2028 holiday dates, and which weekdays the Reserve Banks close, come from the Federal Reserve Board’s published schedule (last updated July 8, 2026) and match the schedule of Federal Reserve Financial Services. Federal government observed dates come from OPM, and stock market dates from NYSE Group.
• Calculated: business days per month, the examples above and the three-day weekends are calculated by our holiday engine from those official dates.
• Not yet published: FedACH holiday processing windows for 2028.

All dates were checked against these sources on October 23, 2026.