2027 Federal Holidays
There are 11 federal holidays in 2027. Three fall on a weekend, so federal offices take Fri, Jun 18, Mon, Jul 5 and Fri, Dec 24 off instead, and Fri, Dec 31, 2027 is off too, for New Year's Day 2028 (OPM). Banks follow a different calendar. The Federal Reserve closes on only 9 weekdays in 2027: it stays open on Fridays June 18, December 24 and December 31, so ACH payments, direct deposits, wires and checks still move those days.
The 2027 holiday calendar: federal offices and banks
| Holiday | Date | Federal offices closed | Federal Reserve (ACH, wires) |
|---|---|---|---|
| New Year's Day | Fri, Jan 1 | Fri, Jan 1 | Closed |
| Martin Luther King Jr. Day | Mon, Jan 18 | Mon, Jan 18 | Closed |
| Washington's Birthday (Presidents Day) | Mon, Feb 15 | Mon, Feb 15 | Closed |
| Memorial Day | Mon, May 31 | Mon, May 31 | Closed |
| Juneteenth National Independence Day | Sat, Jun 19 | Fri, Jun 18 | Open Fri, Jun 18 |
| Independence Day | Sun, Jul 4 | Mon, Jul 5 | Closed Mon, Jul 5 |
| Labor Day | Mon, Sep 6 | Mon, Sep 6 | Closed |
| Columbus Day | Mon, Oct 11 | Mon, Oct 11 | Closed |
| Veterans Day | Thu, Nov 11 | Thu, Nov 11 | Closed |
| Thanksgiving Day | Thu, Nov 25 | Thu, Nov 25 | Closed |
| Christmas Day | Sat, Dec 25 | Fri, Dec 24 | Open Fri, Dec 24 |
| New Year's Day 2028 | Sat, Jan 1, 2028 | Fri, Dec 31, 2027 | Open Fri, Dec 31 |
Federal offices. OPM's rule: "If a holiday falls on a Saturday, for most Federal employees, the preceding Friday will be treated as a holiday," and a Sunday holiday moves to the Monday (5 U.S.C. 6103(b); Executive Order 11582). OPM lists Fri, Dec 31, 2027 in its 2028 schedule, so a 2027-only list shows 11 dates while federal offices close 12 weekdays in calendar 2027.
Banks. The Federal Reserve's holiday schedule says: "For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday." A Sunday holiday still closes them the Monday. That is the bank holiday calendar for 2027: 9 weekdays closed, every one of them shared with federal offices. When an ACH payment, a wire and a check move around each one is on 2027 bank holidays.
Dates from the OPM federal holiday schedule and the Federal Reserve holiday schedule. Last updated: November 2, 2026 (U.S. Central time).
Is it a federal holiday or a bank holiday?
Federal holiday: Christmas Day (observed)
The Federal Reserve is open: ACH payments, direct deposits and wires settle today. Your bank's branches may still close.
ACH and wire settlement follows the Federal Reserve. Your own bank's branches may still close, and a check deposit counts only on a day your bank is open.
The three Fridays federal offices close and banks don't
On Fri, Jun 18, Fri, Dec 24 and Fri, Dec 31, 2027, federal offices and employers that follow the federal calendar are closed, while the Federal Reserve is open. Money moves as on any business day:
- Direct deposit and ACH: a payroll file sent Thursday for next-day settlement settles Friday. A Friday payday can be paid on Friday; moving it to Thursday because the federal calendar shows a holiday pays a day early.
- Checks: a check deposited before the cut-off at a bank that is open that Friday counts as deposited that day (12 CFR 229.19(a)), and most checks must then be available by Tuesday, the second business day (12 CFR 229.12(b)). After the cut-off, which can be as early as 2:00 p.m. at a branch or noon at an ATM, or at a bank closed that Friday, it counts on Monday instead.
- Year end: December 24 and December 31 are both settlement days, and Christmas and New Year's Day 2028 fall on Saturdays. So no weekday in the last two weeks of 2027 stops payments; only the weekends do.
Published payroll calendars split on this: some move a June 18 or December 31 payday to Thursday, some keep Friday. Both dates are on the 2027 payroll calendar.
When money moves around each 2027 bank holiday
On the 9 days the Federal Reserve is closed, no ACH payment, direct deposit or wire settles. A payday that lands on one is paid on the last settlement day before or the first one after, depending on the employer, and a next-day ACH payment sent the business day before settles on the first day after.
| Federal Reserve closed | Last settlement day before | First settlement day after |
|---|---|---|
| New Year's Day, Fri, Jan 1 | Thu, Dec 31, 2026 | Mon, Jan 4 |
| Martin Luther King Jr. Day, Mon, Jan 18 | Fri, Jan 15 | Tue, Jan 19 |
| Washington's Birthday, Mon, Feb 15 | Fri, Feb 12 | Tue, Feb 16 |
| Memorial Day, Mon, May 31 | Fri, May 28 | Tue, Jun 1 |
| Independence Day, observed Mon, Jul 5 | Fri, Jul 2 | Tue, Jul 6 |
| Labor Day, Mon, Sep 6 | Fri, Sep 3 | Tue, Sep 7 |
| Columbus Day, Mon, Oct 11 | Fri, Oct 8 | Tue, Oct 12 |
| Veterans Day, Thu, Nov 11 | Wed, Nov 10 | Fri, Nov 12 |
| Thanksgiving Day, Thu, Nov 25 | Wed, Nov 24 | Fri, Nov 26 |
Six of the nine are Mondays, so a next-day ACH payment sent on the Friday before waits through a three-day weekend: one sent Fri, Oct 8 settles Tue, Oct 12, four calendar days later. Columbus Day and Veterans Day close the Federal Reserve too. For settlement times and Same Day ACH, see how long does an ACH transfer take.
Questions
How many federal holidays are there in 2027?
Eleven, set by 5 U.S.C. 6103. Federal offices close 12 weekdays in calendar 2027, because New Year's Day 2028 is observed on Friday, December 31, 2027.
What are the bank holidays in 2027?
The 9 weekdays the Federal Reserve is closed: January 1 and 18, February 15, May 31, July 5, September 6, October 11, November 11 and November 25. Juneteenth and Christmas fall on Saturdays, and the Federal Reserve does not take the Friday off.
Is December 31, 2027 a federal holiday?
For federal employees, yes: it is the observed day for New Year's Day 2028. It is not a bank holiday: the Federal Reserve is open and payments settle.
Are banks open on Juneteenth 2027?
The Federal Reserve is open on Friday, June 18, and closed only on Saturday, June 19, which is a weekend anyway. Individual banks set their own branch hours and may close on the Friday.
How do I count business days around these holidays?
Use the business days calculator, or the business day calendar for both calendars month by month.
Sources: U.S. Office of Personnel Management, Federal Holidays (2027 and 2028 schedules); Federal Reserve Financial Services, holiday schedules; 5 U.S.C. 6103; 12 CFR 229.12(b) and 229.19(a) (Regulation CC). This page explains holiday calendars; it is not legal or payroll advice.