Banking Holidays
U.S. Banking Holidays: What You Need to Know
To help you plan your transactions and manage your finances effectively, here is a list of the observed U.S. banking holidays for 2025 and 2026. Please note that banks and financial institutions, including the Federal Reserve, typically close on these days, meaning that payments and transfers may be delayed until the next business day.
2025 U.S. Banking Holidays
| Holiday | Date | Day of Week |
| New Year's Day | January 1 | Wednesday |
| Martin Luther King, Jr. Day | January 20 | Monday |
| Washington's Birthday (Presidents' Day) | February 17 | Monday |
| Memorial Day | May 26 | Monday |
| Juneteenth National Independence Day | June 19 | Thursday |
| Independence Day | July 4 | Friday |
| Labor Day | September 1 | Monday |
| Columbus Day | October 13 | Monday |
| Veterans Day | November 11 | Tuesday |
| Thanksgiving Day | November 27 | Thursday |
| Christmas Day | December 25 | Thursday |
2026 U.S. Banking Holidays
| Holiday | Date | Day of Week |
| New Year's Day | January 1 | Thursday |
| Martin Luther King, Jr. Day | January 19 | Monday |
| Washington's Birthday (Presidents' Day) | February 16 | Monday |
| Memorial Day | May 25 | Monday |
| Juneteenth National Independence Day | June 19 | Friday |
| Independence Day (Observed) | July 3 | Friday |
| Labor Day | September 7 | Monday |
| Columbus Day | October 12 | Monday |
| Veterans Day | November 11 | Wednesday |
| Thanksgiving Day | November 26 | Thursday |
| Christmas Day | December 25 | Friday |
Why This Matters
Bank holidays impact the processing speed of your transactions. By knowing the dates when the U.S. Federal Reserve and banks are closed, you can avoid unexpected delays in funding payments to your Payee or receiving Withdrawals into your own bank account.
Tips, Notes, or Warnings
- Payment Processing: If you initiate a payment or Withdrawal on a banking holiday, it will typically begin processing on the next business day. Please plan your transactions accordingly.
- Weekend Observance: If a holiday falls on a Saturday or Sunday, it is generally observed on the preceding Friday or the following Monday. The dates listed above reflect the observed banking holiday.
- Platform Availability: Our platform will remain accessible on banking holidays, but be aware of the impact on payment processing as noted above.