Are Banks Open Today? Federal Bank Holidays In 2025

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Each year, the Federal Reserve observes 11 federal holidays. These bank holidays can impact your banking activities, such as deposit availability and bill payment scheduling.

Here are the Federal Reserve System bank holidays for 2025 and 2026:

Note: The federal government refers to Presidents Day as Washington’s Birthday. Source: Federal Reserve

Most banks close on federal holidays

While there’s no legal mandate for banks to shut down on Federal Reserve holidays, they often do. If, for example, the holiday falls on a Saturday, the Federal Reserve Bank and its branches keep their doors open on the prior Friday, though the Board of Governors takes the day off. If the holiday comes around on a Sunday, all Federal Reserve offices, including the Board of Governors, take a break on the subsequent Monday.

Individual states might recognize extra holidays or operate on different hours, so it’s always a good idea to check with your local bank branch. Remember, while banks can choose to be open on holidays, transactions won’t be processed until the next business day.

Can banks open on a Federal Reserve holiday?

When a bank decides to operate on a Federal Reserve holiday, transactions are typically handled as they would be over the weekend. This implies that tasks such as authorizing wire transfer documents or depositing checks won’t be completed until the subsequent business day when the Federal Reserve is back in operation. Transactions via the automated clearing house (ACH) network won’t be processed on a bank holiday.

However, online banking features will still be accessible, enabling customers to carry out transactions, but the actual processing of these transactions will be postponed until after the holiday.

Are banks open on Black Friday?

Banks are usually open on the holidays below (unless it falls on a Sunday). That includes every shopper’s favorite holiday, Black Friday, the day after Thanksgiving.

Banks are usually open on the holidays below (unless it falls on a Sunday).

Sometimes the stock market and bank holidays will differ. For instance, banks are closed on Veterans Day banks and the NYSE is open. Are banks open on Good Friday or Easter Monday?

Good Friday is not a Federal Reserve holiday, so most banks will remain open for regular business hours. However, the stock market will be closed on Good Friday, creating one of the few days when banks are open but the stock market is closed.

Easter Monday is not a federal holiday in the United States, so banks will typically operate according to their normal business hours. While Easter is widely observed, neither Easter Sunday nor Easter Monday are Federal Reserve holidays.

If you need to conduct banking business around the Easter weekend, it’s always a good idea to check with your specific bank’s holiday schedule, as some institutions might adjust their hours for the Easter weekend.

Online accessibility on Federal Reserve bank holidays

Even though physical bank locations and off-site customer support may not be operational on Federal Reserve holidays, the world of digital banking never sleeps. Customers can still take advantage of online banking, mobile banking apps, and even make deposits via their phone’s remote deposit capture. These transactions will be processed, but may not be fully completed until the following business day. Plus, it’s possible to open all kinds of bank accounts online, such as checking accounts, savings accounts, money market accounts or certificates of deposit (CDs), even on Federal Reserve holidays.

Bill pay around Federal Reserve holidays

To avoid inconvenience, handle time-sensitive transactions and banking needs at least a day ahead of Federal Reserve holidays.

It’s worth planning ahead for automated bill payments that are scheduled for, or around, a Federal Reserve holiday as they won’t be processed until the following business day. This means that any money from a check deposit might not be accessible until after the holiday, and any bill payment could potentially be delayed if the processing date coincides with a holiday.