US Bank Holidays: Official List & Schedule

Planning your year around US bank holidays is crucial for both personal and professional life. This guide provides the official Federal Reserve Holiday Schedule, helping you answer questions like “Is Juneteenth a bank holiday?” and “When are banks closed?” We’ve compiled the complete list of bank holidays from official sources like the Federal Reserve and OPM to ensure your financial planning and long weekend travel are seamless.

Bank Holidays in the United States

In the United States, bank holidays are officially set by the federal government and observed by the Federal Reserve System. This means most commercial banks, credit unions, and other financial institutions are closed on these days. While these are often called US Federal Holidays, it’s important to remember that not all federal holidays are observed as bank closures, and some state-specific observances can also affect bank hours. Understanding this holiday schedule is key for anyone managing payroll, scheduling transactions, or simply planning a trip to the bank.

US Bank Holidays: Official List

Below are the official US bank holidays. Mark your calendars to avoid any unexpected closures!

2026 US Bank Holidays

Note: If a holiday falls on a Saturday, the bank is typically closed the preceding Friday. If it falls on a Sunday, it is observed the following Monday.

2027 US Bank Holidays

*Juneteenth Note for 2027: June 19, 2027, falls on a Saturday. Therefore, the federal holiday (and bank closure) will be observed on Friday, June 18, 2027.

Read More: UK Bank Holidays

2028 US Bank Holidays

**Important Observance Note for 2028: When New Year’s Day (Jan 1) or Veterans Day (Nov 11) falls on a Saturday, the official federal and bank holiday is typically observed on the preceding Friday. For planning, mark Friday, December 31, 2027, and Friday, November 10, 2028, as bank closure days.

Federal Reserve & Bank Holiday Schedule

The Federal Reserve Bank Holiday Schedule is the gold standard for financial institution closures. When the Federal Reserve is closed, all electronic transactions (like ACH transfers and wire transfers) are halted until the next business day. This schedule is mandated by the Office of the Comptroller of the Currency (OCC), making the OCC Holiday Schedule essential viewing for businesses that rely on timely transactions.

State Variations & Optional Observances

Not all US bank holidays are observed equally across the country. Some states have additional state bank holidays. For example, Good Friday is a notable bank holiday in certain states, such as Connecticut and Texas, but not a federal one. Other observances like Lincoln’s Birthday (in some states) or Truman Day (in Missouri) can also lead to local bank closures. Always check with your local branch for the most accurate information, especially around holidays like Columbus Day, which is increasingly observed as Indigenous Peoples’ Day.

Long Weekend Travel & Planning

Ah, the beloved long weekends! With holidays like Memorial Day and Labor Day falling on Mondays, they are perfect for getaways. Use our list to plan your vacations well in advance. Key long weekends to mark include:

• Presidents Day (Feb 17)

• Memorial Day (May 26)

• Labor Day (Sep 1)

• Columbus Day (Oct 13)

Early planning ensures better deals and availability.

Also Read: Scottish Bank Holidays

Sources & Official Links

For absolute certainty, always refer to the primary sources. The official OPM—Federal Holidays list is the government’s standard. For the banking-specific schedule, the Federal Reserve—Holiday Schedules page is definitive.

• U.S. Office of Personnel Management (OPM)

• Federal Reserve Bank Services

FAQs

Q1. Is Juneteenth a bank holiday?

Yes. Juneteenth National Independence Day (June 19) became a federal bank holiday in 2021 and is observed by all federally chartered banks.

Q2. Are banks open on Columbus Day?

Most banks are closed on Columbus Day, as it is a Federal Reserve holiday. However, some local branches in states that do not observe it may remain open.

Q3. Is Good Friday a bank holiday?

Good Friday is not a federal bank holiday. However, some states (like Connecticut, Delaware, and Texas) do observe it, so banks may be closed in those specific areas.

Q4. Are banks open on Veterans Day?

No. Veterans Day is a federal bank holiday, so most banks will be closed. If it falls on a weekend, the observed Friday or Monday will be the closure day.

Staying informed about US bank holidays is the simplest way to avoid frustration and plan a successful year, whether for business logistics or personal leisure. We hope this official list of bank holidays serves as your go-to resource. 

While we specialise in UK dates here at Calendar Times UK, we provide global guides to help everyone stay organised.