Bank & Payment Calendar

Bank Holidays

Check the U.S. bank-holiday calendar, the next Federal Reserve holiday, and what holiday dates can mean for branches, Fedwire, FedACH and payment processing.

Current-Year U.S. Federal Reserve Holiday Reference

Use the Federal Reserve page for the official operating schedule; bank branches can follow different local hours.

Upcoming Holiday Dates

The next dates below roll forward automatically from your local date.

Labor DaySep 7, 2026
Columbus DayOct 12, 2026
Veterans DayNov 11, 2026

Public-Service Holiday Calendars

Use the exact service calendar when a holiday can affect government, banking, mail or local operations.

How bank holidays affect branches and payments

In the United States, Federal Reserve holidays are an important reference point for banking and payment operations, but they do not guarantee that every retail bank branch follows exactly the same opening hours.

Electronic transfers can also have separate processing rules. When timing matters, distinguish branch access from Federal Reserve services, ACH processing and the recipient bank’s own posting schedule.

Federal Reserve scheduleUse Federal Reserve Holidays for Fedwire, FedACH and Reserve Bank holiday context.
Branches varyBanks and credit unions can set branch hours that differ by institution and location.
Weekend rules need careA fixed-date holiday falling on Saturday or Sunday can affect government, Federal Reserve and branch schedules differently.

Date checked: September 4, 2026. Official holiday and closure rules can vary by jurisdiction, institution and location.

Frequently Asked Questions

What is a bank holiday in the United States?

In U.S. usage, bank holiday searches often refer to dates when banks or Federal Reserve services are closed or operating on a holiday schedule.

Are banks closed on every federal holiday?

Many banks close on major federal holidays, but individual institutions and branches set their own schedules.

Are Federal Reserve holidays the same as federal holidays?

The holiday names substantially overlap, but observed-day and operating rules can differ. Use the Federal Reserve schedule for Fed services.

Do ACH and wire transfers process on bank holidays?

Processing can be delayed when the relevant Federal Reserve or banking system is closed. Exact timing depends on the service and financial institutions involved.

Where can I see bank holidays for 2026?

Open Bank Holidays 2026 for the exact annual schedule and date-specific planning links.