US Bank Holiday Guides

The 11 holidays that close the Federal Reserve, plus the days people often mistake for bank holidays, each with its next date.

The Federal Reserve observes 11 holidays: New Year’s Day, Martin Luther King Jr. Day, Presidents Day (Washington’s Birthday), Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day. On these days the Reserve Banks close and ACH and Fedwire payments do not settle. A Saturday holiday is the exception (the Reserve Banks stay open on the Friday before), and a Sunday holiday closes them on the Monday after. Each guide below gives the next date, what happens to payments and how branch hours are decided.

Several other days feel like bank holidays but are not Federal Reserve holidays, so payments settle as usual:

  • Good Friday (next: Friday, March 26, 2027). The Reserve Banks are open; the NYSE closes. See Good Friday and Easter Monday.
  • Christmas Eve. A regular business day for the Reserve Banks. In 2027, when Christmas falls on a Saturday, federal offices close on Friday, December 24, but the Reserve Banks stay open. See Christmas Eve and Christmas.
  • Black Friday (Friday, November 27, 2026). Not a Federal Reserve holiday; branch hours vary by bank. See Thanksgiving and Black Friday.
  • New Year’s Eve. Not a holiday, with one twist: Friday, December 31, 2027 is the federal government’s observed New Year’s Day 2028, while the Reserve Banks are open. See New Year’s Eve and New Year’s Day.

The next Federal Reserve holidays

Fed holidays and branch hours

A Federal Reserve holiday decides whether money can move between banks. It does not set branch hours: each bank decides whether its branches open on these days. Check your bank’s holiday notice, or see bank holiday hours. For the weekend rules behind the observed dates, see Federal Reserve holidays.

Sources and editorial standards

Holiday dates last verified against official Federal Reserve schedules on . We check the full schedule every November for the coming year and review each holiday again two weeks before it.

Maintained by the US Banking Holidays Editorial Team. This site is an independent information service and is not affiliated with the Federal Reserve or any commercial bank. Branch hours vary; confirm with your bank before you rely on a date. How we verify our information

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