2027 Bank Holidays
The Federal Reserve closes on 9 weekdays in 2027: Jan 1, Jan 18, Feb 15, May 31, Jul 5, Sep 6, Oct 11, Nov 11 and Nov 25. On those days no ACH payment, direct deposit or Fedwire transfer settles. Fri, Jun 18, Fri, Dec 24 and Fri, Dec 31 are not bank holidays: federal offices close, but the Federal Reserve is open and money moves as usual.
When money moves around each 2027 bank holiday
| Bank holiday | Sent the business day before: next-day ACH before the cut-off, or a wire after it, settles | A check deposited on the holiday counts on | Most checks available by |
|---|---|---|---|
| New Year's Day, Fri, Jan 1 | Thu, Dec 31, 2026 → Mon, Jan 4 | Mon, Jan 4 | Wed, Jan 6 |
| Martin Luther King Jr. Day, Mon, Jan 18 | Fri, Jan 15 → Tue, Jan 19 | Tue, Jan 19 | Thu, Jan 21 |
| Washington's Birthday, Mon, Feb 15 | Fri, Feb 12 → Tue, Feb 16 | Tue, Feb 16 | Thu, Feb 18 |
| Memorial Day, Mon, May 31 | Fri, May 28 → Tue, Jun 1 | Tue, Jun 1 | Thu, Jun 3 |
| Independence Day, observed Mon, Jul 5 | Fri, Jul 2 → Tue, Jul 6 | Tue, Jul 6 | Thu, Jul 8 |
| Labor Day, Mon, Sep 6 | Fri, Sep 3 → Tue, Sep 7 | Tue, Sep 7 | Thu, Sep 9 |
| Columbus Day, Mon, Oct 11 | Fri, Oct 8 → Tue, Oct 12 | Tue, Oct 12 | Thu, Oct 14 |
| Veterans Day, Thu, Nov 11 | Wed, Nov 10 → Fri, Nov 12 | Fri, Nov 12 | Tue, Nov 16 |
| Thanksgiving Day, Thu, Nov 25 | Wed, Nov 24 → Fri, Nov 26 | Fri, Nov 26 | Tue, Nov 30 |
ACH and direct deposit. A next-day ACH payment settles on the next banking day, so one sent the business day before a holiday skips it. Same Day ACH sent on the business day before the holiday settles that same day; one sent on the holiday itself waits for the next banking day. The times are on how long does an ACH transfer take.
Wires. Fedwire does not settle on Saturdays, Sundays or Federal Reserve holidays, and each business day ends at 7:00 p.m. ET; banks can send it customer transfers until 6:45 p.m. ET. Your bank's own wire cut-off comes earlier, because it has to send the wire first. A wire your bank sends the day before a holiday settles that day; one that misses the cut-off settles on the first banking day after the holiday.
Checks. A deposit on a bank holiday may be treated as made on the next banking day (12 CFR 229.19(a)(5)), and most checks must be available by the second business day after that (12 CFR 229.12(b)). Details are on how long does a check take to clear.
Holidays from the Federal Reserve holiday schedule; wire hours from the Fedwire Funds Service operating hours. ACH rows assume a payment your bank sends before its cut-off; check rows, a deposit with a teller. Last updated: November 2, 2026 (U.S. Central time).
Is it a bank holiday?
Mon, Oct 11, 2027: bank holiday, Columbus Day
A next-day ACH payment or direct deposit sent now settles Wed, Oct 13, 2027.
A wire requested now goes out on Tue, Oct 12, 2027.
A check deposited now counts as deposited Tue, Oct 12, 2027; most checks are available by Thu, Oct 14, 2027.
Bank holidays follow the Federal Reserve. Your bank sets its own branch hours and cut-off times.
Not bank holidays: the three Fridays
Juneteenth, Christmas and New Year's Day 2028 fall on Saturdays. Federal offices take Fri, Jun 18, Fri, Dec 24 and Fri, Dec 31 off, but the Federal Reserve says: "For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday." ACH payments, direct deposits and wires settle on those Fridays. A check deposited before the cut-off at a bank open that Friday counts that day; after the cut-off, or at a bank that closes, it counts on Monday. The federal calendar side by side with this one is on 2027 federal holidays.
Independence Day falls on a Sunday, and that one does move: the Federal Reserve closes on Monday, July 5, the same day as federal offices.
Bank holidays and long weekends
Six of the nine bank holidays are Mondays. Money sent on the Friday before by next-day ACH waits four calendar days, and a check deposited that Friday after the cut-off counts on Tuesday. Thanksgiving and Veterans Day fall on Thursdays, so the Friday after each is a normal banking day. Black Friday, Nov 26, 2027, is not a bank holiday.
Questions
How many bank holidays are in 2027?
Nine weekdays. The Federal Reserve observes 11 holidays, but Juneteenth and Christmas fall on Saturdays in 2027, and it does not take the Friday before off.
Are banks open on December 24, 2027?
The Federal Reserve is open on Friday, December 24, and payments settle. Christmas is Saturday, December 25. Individual banks set their own branch hours and may close early.
Is Good Friday a bank holiday?
No. Good Friday, March 26, 2027, is not on the Federal Reserve holiday schedule, so payments settle.
Is the 2027 holiday calendar the same for banks and the government?
Nine days are the same. The three Fridays above are federal days off but bank business days. Both calendars, month by month, are in the business day calendar.
Sources: Federal Reserve Financial Services, holiday schedules and Fedwire Funds Service operating hours; 12 CFR 229.12(b) and 229.19(a) (Regulation CC). This page explains bank holiday timing; it is not legal or banking advice.