How many bank holidays are there in 2025?

There are 11 federal bank holidays in 2025 when banks are closed. The Federal Reserve observes these holidays, meaning no ACH processing or wire transfers occur on these days.

Are banks open on Presidents Day?

No, banks are closed on Presidents Day (February 17, 2025). It's a federal bank holiday. ATMs remain available, but no bank processing occurs.

Do direct deposits process on bank holidays?

No. If your direct deposit is scheduled for a bank holiday, it will typically be processed the business day before the holiday. Most employers adjust automatically.

Are credit unions open on bank holidays?

Federal credit unions follow the same holiday schedule as banks. State-chartered credit unions may follow different schedules but typically close on major holidays.

Bank Holidays 2025-2026: When Banks Are Closed

2025 Bank Holiday Schedule

All Federal Reserve banks and member banks are closed on these dates. No Fed wire transfers or ACH processing occurs.

2025 Federal Bank Holidays

Holiday	2025 Date	Day of Week
New Year’s Day	January 1, 2025	Wednesday
Martin Luther King Jr. Day	January 20, 2025	Monday
Presidents Day	February 17, 2025	Monday
Memorial Day	May 26, 2025	Monday
Juneteenth	June 19, 2025	Thursday
Independence Day	July 4, 2025	Friday
Labor Day	September 1, 2025	Monday
Columbus Day	October 13, 2025	Monday
Veterans Day	November 11, 2025	Tuesday
Thanksgiving Day	November 27, 2025	Thursday
Christmas Day	December 25, 2025	Thursday

2026 Bank Holiday Schedule

2026 Federal Bank Holidays

Holiday	2026 Date	Day of Week
New Year’s Day	January 1, 2026	Thursday
Martin Luther King Jr. Day	January 19, 2026	Monday
Presidents Day	February 16, 2026	Monday
Memorial Day	May 25, 2026	Monday
Juneteenth	June 19, 2026	Friday
Independence Day	July 3, 2026*	Friday
Labor Day	September 7, 2026	Monday
Columbus Day	October 12, 2026	Monday
Veterans Day	November 11, 2026	Wednesday
Thanksgiving Day	November 26, 2026	Thursday
Christmas Day	December 25, 2026	Friday

*July 4th falls on Saturday; banks observe Friday, July 3rd

What Happens on Bank Holidays

Services Unavailable

Service	Status
Bank branches	Closed
Fed wire transfers	Not processed
ACH transfers	Not processed
Bill pay (scheduled)	Delayed to next business day
Check clearing	Delayed
New account opening	Not available

Services Still Available

Service	Status
ATMs	Available 24/7
Online banking	View accounts, transfers between own accounts
Mobile banking	Same as online
Debit card purchases	Normal processing
Credit card purchases	Normal processing
Customer service	Limited (some banks)

How Bank Holidays Affect Your Finances

Direct Deposits

Normal Pay Date	If on Holiday	You’ll Receive
Thursday (Thanksgiving)	Holiday	Wednesday before
Thursday (July 4, 2025)	Holiday	Wednesday before
Monday (Labor Day)	Holiday	Friday before

Bill Payments

Scheduled Date	If on Holiday	Actually Processed
Holiday date	Delayed	Next business day
Day after holiday	May be delayed	Depends on timing

Transfers Between Banks

Transfer Type	Holiday Impact
ACH (standard)	Adds 1+ business day
Wire transfer	Not processed
Same-bank transfer	Usually immediate
Instant transfer (Zelle, etc.)	Usually works

Planning Around Bank Holidays

Before Long Weekends

Holiday Weekend	Plan Ahead For
Memorial Day (3 days)	Cash needs, pending payments
July 4th (varies)	Check if observed Friday or Monday
Labor Day (3 days)	Bill due dates, rent payments
Thanksgiving (4 days)	Thursday-Sunday banking gap
Christmas/New Year	Potential 4+ day gaps

2025 Long Banking Gaps

Period	Days Without Banking
New Year’s	Wed-Sun (if weekend follows)
MLK Weekend	Sat-Mon (3 days)
Presidents Day Weekend	Sat-Mon (3 days)
Memorial Day Weekend	Sat-Mon (3 days)
July 4th Weekend	Thu-Sun (4 days in 2025)
Labor Day Weekend	Sat-Mon (3 days)
Columbus Day Weekend	Sat-Mon (3 days)
Veterans Day	Just Tuesday in 2025
Thanksgiving	Thu-Sun (4 days)
Christmas	Thu-Sun (4 days in 2025)

Holiday Weekends Requiring Extra Planning

Thanksgiving 2025

Date	Day	Banks
Wed, Nov 26	Last business day	Open
Thu, Nov 27	Thanksgiving	Closed
Fri, Nov 28	Day after	Open (some close early)
Sat-Sun	Weekend	Closed
Mon, Dec 1	Next full business day	Open

Christmas/New Year 2025-2026

Date	Day	Banks
Wed, Dec 24	Christmas Eve 2025	Open (close early)
Thu, Dec 25	Christmas Day	Closed
Fri, Dec 26	Day after	Open
Sat-Sun	Weekend	Closed
Mon, Dec 29	Normal day	Open
Tue, Dec 30	Normal day	Open
Wed, Dec 31	New Year’s Eve	Open (close early)
Thu, Jan 1	New Year’s Day 2026	Closed
Fri, Jan 2	Normal day	Open

Stock Market vs. Bank Holidays

Some days banks are closed but stock markets are open (or vice versa):

2025 Differences

Date	Banks	NYSE/NASDAQ
Jan 20 (MLK Day)	Closed	Closed
Feb 17 (Presidents Day)	Closed	Closed
Good Friday (Apr 18)	Open	Closed
May 26 (Memorial Day)	Closed	Closed
June 19 (Juneteenth)	Closed	Closed
July 4	Closed	Closed
Sept 1 (Labor Day)	Closed	Closed
Oct 13 (Columbus Day)	Closed	Open
Nov 11 (Veterans Day)	Closed	Open
Nov 27 (Thanksgiving)	Closed	Closed
Dec 25 (Christmas)	Closed	Closed

How Different Banks Handle Holidays

Major Banks

Bank	Friday Before Long Weekend	Saturday Banking
Chase	Normal hours	Branches closed
Bank of America	Normal hours	Some branches open
Wells Fargo	Normal hours	Some branches open
Citibank	Normal hours	Varies by location
US Bank	Normal hours	Branches closed

Online Banks

Bank	Holiday Service
Ally Bank	24/7 customer service
Marcus	Holiday customer service hours
Discover	Extended phone hours
Capital One	Limited phone support

International Considerations

Country	Notable Different Holidays
Canada	Thanksgiving in October, Boxing Day
UK	Bank holidays differ significantly
Mexico	Many unique holidays
Europe	Varies by country

Impact: International transfers may face additional delays during foreign holidays.

Key Takeaways

11 federal bank holidays in 2025 — Plan around these for financial needs
ACH and wires don’t process — Schedule payments around holidays
Direct deposits arrive early — Usually the business day before
ATMs always available — Plan cash needs regardless
Thanksgiving and Christmas have longest gaps — 4+ days without processing
Online banking still works — View accounts, internal transfers available

Sources

Board of Governors of the Federal Reserve System. “Selected Interest Rates.” federalreserve.gov/releases/h15

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy