Federal Bank Holiday Schedule 2026

Holiday	Date	Day
New Year’s Day	January 1, 2026	Thursday
Martin Luther King Jr. Day	January 19, 2026	Monday
Washington’s Birthday (Presidents’ Day)	February 16, 2026	Monday
Memorial Day	May 25, 2026	Monday
Juneteenth National Independence Day	June 19, 2026	Friday
Independence Day (observed)	July 3, 2026	Friday
Labor Day	September 7, 2026	Monday
Columbus Day / Indigenous Peoples’ Day	October 12, 2026	Monday
Veterans Day	November 11, 2026	Wednesday
Thanksgiving Day	November 26, 2026	Thursday
Christmas Day	December 25, 2026	Friday

Are Banks Open on Weekends?

Generally, bank branches are closed on weekends for activities such as account opening, loan applications, or other services that require a physical visit.

However, some services may be available at select branches inside grocery stores or retail centers, depending on the bank and location.

If you want to send funds abroad, transfer cash locally, or make any purchase, you don’t need to visit any branch.

However, on weekends, banks do not process internal transactions or services that require the physical branches or approval of authorities.

So, for full-fledged bank services, you should visit on business days.

Are Banks Open on Saturday?

In the U.S, most banks are closed on Saturday, and some major banks like Chase and Wells Fargo open for a few hours.

It depends on the branch and the location which time frame they follow on such a day. Usually, banks open at 9 am and close at 2 pm on Saturday.

Even if some banks open, customers get limited services like deposits, withdrawals, and other account-related services, while services that are time-consuming, such as loan and credit card services.

And it’s not the best day for depositing a check, as it may not begin processing until Monday.

Are Banks Open on Sunday?

In the U.S, Sunday is a non-business day and a holiday for every sector, including banks. It’s the day when you unwind by watching movies or shopping.

However, some banks, like TD Bank or Key Bank, offer limited services near urban areas, universities, or retail stores, with hours that vary by branch.

Even though you deposit a check or cash on Sunday, you won’t receive or send your cash until Monday. What’s best is that you can still use:

• ATMs
• Mobile banking apps
• Online banking platforms
• Automatic bill payments

But if you are expecting a direct deposit or waiting for a transfer to clear, you have to wait until the next business day.

Are Banks Open in Your State Today?

It doesn’t matter which state you’re from; federal holidays apply nationwide.

That means the banks will not open in the states, including Texas, California, New Jersey, New York, and others.

However, some banks do offer limited services on weekends, like deposits, and account related query, but most banks are not open.

State laws can add extra holidays in some cases, but most major banks follow the federal schedule only.

Here is a quick breakdown:

California

Banks in California close on all federal bank holidays listed above. Some smaller community banks may observe additional local holidays, but this is not common.

Texas

Texas banks follow the federal holiday schedule. Certain state offices may close on additional days, but most private banks do not. Always confirm with your specific branch if you are unsure.

Florida

Florida banks also follow the federal holiday list. Branch hours may vary by location, especially in tourist areas, but federal holidays apply statewide.

New York

Banks in New York close on federal holidays. Because New York is a major financial center, transaction timing can be important. Markets may close on certain holidays as well, which can affect transfers and settlements.

If you are unsure whether your bank is open today, check three things:

1. The federal holiday calendar
2. Your bank’s website
3. Your branch’s local listing

That will give you the most accurate answer.

What Major Banks Follow the Federal Holiday Schedule?

Every bank with a high reputation status follows the federal holiday schedules. Some of the major banks include –

• Bank of America
• Chase
• Wells Fargo
• Citibank
• PNC Bank
• U.S. Bank
• Capital One

Such banks have hundreds of branches nationwide, making it difficult to track each branch’s activity. But most of them are not open on holidays and weekends, though some offer limited services for a few hours.

However, customers can use ATMs, online banking, and apps to send and receive cash and manage their accounts.

Some financial institutions may follow different holiday schedules, but credit unions don’t.

And online banking follows the same protocol, which means it will process your transaction only on business days.

Are ATMs and Online Banking Available on Bank Holidays?

Fortunately, that’s the only option you get 24/7, despite of holidays. You can use ATMs and online banking anywhere and anytime across the U.S. or globally if your card supports Visa, Mastercard, or Amex.

What you can use –

• Pull out cash from ATMs.
• View or track your account balance.
• Move funds between accounts.
• Make a bill payment.
• Deposit checks using mobile deposit.

Only transactions that require processing through the Federal Reserve system don’t work.

For example:

• Wire transfers get processed by the next business day.
• ACH payments.
• Check deposits.

So, if you’re planning to visit the bank to send payments, consider sending at least one business day before a holiday.

How Bank Holidays Affect Payments and Direct Deposits

On a holiday, your paycheck and automatic payments may not be clear. Here is what usually happens.

• If there is a holiday on your payday, you may get paid the business day before.
• Automatic bill payments scheduled for a holiday often process the next business day.
• Government benefits may be paid on the previous business day if the scheduled date is a holiday.

However, it depends on your employer or payment issuer. To confirm, you can check your payment schedule in advance.