The fastest way to know if today is a bank holiday

The U.S. Federal Reserve publishes a calendar each year listing every day banks are closed. The easiest check is to visit federalreserve.gov/aboutthefed/bls_fhdays.htm — it shows the current year's holidays at a glance. Your own bank's website also lists closure dates, usually under "Hours" or "Holiday Schedule." If you need to know right now, call your bank's customer service line; they will tell you immediately whether they are open today.

Bank holidays are not the same as federal holidays. Some federal holidays (like Veterans Day or Presidents Day) do not close banks. Other days close banks but are not federal holidays. The Federal Reserve sets the official bank holiday calendar, and most banks follow it, though some regional or smaller banks may have different schedules.

Key Takeaways

  • The Federal Reserve publishes the official U.S. bank holiday calendar each year on its website.
  • Bank holidays are not the same as federal holidays — Veterans Day and Presidents Day do not close banks, but some other days do.
  • Your own bank may close on additional days beyond the Federal Reserve calendar, so checking your bank's website is the most reliable method.
  • If you need to know today, calling your bank's customer service line is faster than searching online.

The 2024 and 2025 bank holiday dates

The Federal Reserve closes on New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

When a holiday falls on a weekend, the Federal Reserve observes it on the nearest weekday — usually the Friday before if the holiday is on Saturday, or the Monday after if it is on Sunday. For example, if Christmas falls on a Saturday, most banks close on Friday instead. Check your bank's specific schedule, because some banks observe the holiday on the actual date rather than the observed date.

Why your bank might be closed when the Federal Reserve is open

Regional banks, credit unions, and smaller financial institutions sometimes close on days the Federal Reserve does not. Some banks observe state holidays that are not federal bank holidays. For example, a bank in Texas might close on Texas Independence Day (March 2), while banks in other states remain open.

The only way to know your bank's exact schedule is to check their website or call them directly. Do not assume your bank follows the Federal Reserve calendar exactly. Many banks post their holiday schedule in the lobby, on their website under "Hours," or in their mobile app.

What happens if you need to do banking on a holiday

If your bank is closed today and you need to move money or pay a bill, online banking and mobile apps usually work 24/7, even on holidays. You can transfer funds between your own accounts, pay bills, deposit checks by phone camera, and check your balance without visiting a branch or calling customer service.

If you need to speak to someone or handle a transaction that requires a person, you will have to wait until the bank reopens. ATMs work on holidays, so you can withdraw cash or deposit checks at most locations. Wire transfers and other services that require staff may not process until the next business day, even if you request them on a holiday.

How bank holidays affect paychecks and bill payments

If you receive a direct deposit paycheck on a bank holiday, the money usually arrives on the holiday itself — the bank processes it before closing. However, if payday falls on a holiday, some employers deposit the day before instead. Check with your payroll department if you are unsure.

Bill payments scheduled for a bank holiday may process on the holiday or may wait until the next business day, depending on your bank and the type of payment. Automatic payments (like mortgage or utility bills) usually go through on schedule. If you are paying a bill manually and the due date is a holiday, most creditors give you until the next business day without a late fee. When in doubt, submit the payment the business day before the holiday.

State and local holidays that close some banks

Beyond the Federal Reserve calendar, individual states observe their own holidays, and some banks close for them. Louisiana banks close on Mardi Gras. South Carolina banks close on Confederate Memorial Day. Alaska banks close on Seward's Day. These are not federal bank holidays, so they vary by location.

If you live in a state with additional holidays or you bank with a regional institution, check your bank's website for a complete list. Many banks post a full-year holiday schedule in January. If you cannot find it online, call your branch and ask them to email or mail you their holiday calendar.

Frequently Asked Questions

Do all banks close on the same holidays?

Most banks follow the Federal Reserve calendar, but regional banks and credit unions may close on additional state or local holidays. Your bank's website or a phone call to customer service will show you their specific schedule, which may differ from the Federal Reserve's.

Can I use my ATM or mobile app on a bank holiday?

Yes. ATMs work 24/7, and mobile banking apps work on holidays. You can withdraw cash, deposit checks by camera, transfer money between your accounts, and check your balance. Services that require staff, like wire transfers or account changes, may not process until the next business day.

What if my paycheck is supposed to arrive on a bank holiday?

Direct deposits usually arrive on the scheduled date, even if it is a holiday. Some employers deposit the day before if payday falls on a holiday. Ask your payroll department which day your money will arrive if payday coincides with a bank closure.

Will my bill payment go through if I submit it on a bank holiday?

Automatic payments usually process on schedule. Manual payments submitted on a holiday may process the same day or the next business day, depending on your bank. If the due date is a holiday, most creditors accept payment on the next business day without charging a late fee.

Where do I find my bank's complete holiday schedule?

Check your bank's website under "Hours," "Holiday Schedule," or "Contact Us." Many banks post a full calendar in January. If you cannot find it online, call your branch or customer service — they can email or mail you the schedule.