How bank holidays work in the United States

A bank holiday in the United States is a Federal Reserve holiday. The Fed observes the eleven federal holidays, and most banks close on them because the Fed's payment services, Fedwire and FedACH, do not run.

One rule differs from the federal government's. When a holiday falls on a Saturday, federal offices close on the Friday before, but the Federal Reserve Banks stay open that Friday. When it falls on a Sunday, the Fed closes on the Monday.

Some banks keep branches open on Columbus Day and Veterans Day, but ACH and wire transfers still wait for the next business day.

Bank Holidays and Money Transfers

Banks are closed on the dates above, and most electronic transfers do not settle on holidays or weekends. For international payments, the holidays of both countries matter. SWIFT (United States)

Frequently Asked Questions

What is the next bank holiday in United States?

The next bank holiday in United States is Columbus Day on Monday, October 12, 2026 (today).

How many holidays does United States have in 2026?

United States has 12 nationwide bank and public holidays in 2026. Regional observances can add more depending on the state or province.

Are these dates official?

Dates are generated from the actively maintained python-holidays library and refreshed annually. For contractual or legal deadlines, confirm with official government sources.

Is today a bank holiday in United States?

Yes, today is a bank holiday in United States: Columbus Day. Banks are closed.

Do bank transfers process on holidays in United States?

Domestic and international transfers generally do not settle on bank holidays or weekends. A transfer sent the day before a holiday usually arrives the next business day.