Check the Federal Reserve holiday schedule for Reserve Banks, FedACH and Fedwire planning, and see how it differs from retail bank branch hours and the federal employee calendar.
The Federal Reserve Financial Services schedule lists holiday dates through 2030 and separately publishes FedACH processing information.
The Federal Reserve schedule uses the actual holiday date. A Saturday holiday does not close Reserve Banks and Branches on the preceding Friday.
The fall and year-end schedule includes Labor Day through Christmas Day.
Weekend handling is a key difference to understand when comparing Federal Reserve and federal employee schedules.
Federal Reserve Banks and Branches are open the preceding Friday. For example, Independence Day 2026 falls on Saturday, July 4; the published Reserve Bank rule says the preceding Friday remains open.
Federal Reserve Banks and Branches are closed the following Monday when the holiday falls on Sunday.
Use the exact owner for the operational question you need answered.
Retail banking and branch holiday context.
Federal employee legal holiday schedule and observed dates.
Calculate business days using the relevant holiday assumptions.
Compare weekdays and holiday-adjusted working days.
Market schedules are separate and should follow exchange-specific calendars.
See Federal Reserve holiday dates in the full-year calendar.
Federal Reserve Financial Services publishes the Reserve Bank holiday schedule and service-specific FedACH processing details. Financial institutions should use those official schedules for operational deadlines.
Federal Reserve holiday schedules matter to banking infrastructure and payment operations, while federal holidays govern federal employee schedules. Retail bank branches may close on many of the same dates but are not automatically controlled by either calendar.
Weekend treatment is especially important: the Federal Reserve schedule states that Banks and Branches remain open on the preceding Friday when a holiday falls on Saturday, and close the following Monday when a holiday falls on Sunday.
Last checked: September 4, 2026. Source: Federal Reserve Financial Services; retail bank and market schedules can differ.
Federal Reserve holidays are dates in the Federal Reserve Financial Services holiday schedule that affect Reserve Bank and certain payment-service operations.
Yes. Labor Day on September 7, 2026 is listed in the Federal Reserve Financial Services holiday schedule.
No. The published schedule states that when a holiday falls on Saturday, Federal Reserve Banks and Branches are open the preceding Friday.
Not necessarily. Retail banks set their own branch hours and policies even though Federal Reserve and payment-service calendars can affect banking operations.
Do not assume they do. Federal Reserve Financial Services publishes service-specific holiday and processing information; institutions should use the official service schedule for operational planning.