US Bank Holidays 2025/26 – Official List & Schedule

Planning your year around US Bank Holidays 2025 and 2026 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 in 2025?” 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 2025 & 2026: Official List

Below are the official US bank holidays for 2025 and 2026. Mark your calendars to avoid any unexpected closures!

2025 US Bank Holidays

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.

Read More: UK Bank Holidays

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 of 2025! 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 for 2025 and 2026 serves as your go-to resource. 

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