U.S. · Banking
Bank holidays 2027.
Federal Reserve closed days, and the Fridays that stay open.
Banks and Federal Reserve Banks are closed on 9 days in 2027, including Monday, July 5 for Independence Day. Three holidays land on Saturdays (June 19, December 25 and, for 2028, January 1): Reserve Banks stay open the Friday before, June 18, December 24 and December 31, 2027, while the Board of Governors closes.
Business day checker
Result
Federal Reserve holiday schedule 2027
The Federal Reserve's K.8 release lists the holidays observed by the Federal Reserve System. These nine are the days Federal Reserve Banks and Branches are closed in 2027.
| Date | Holiday | Note |
|---|---|---|
| Friday, January 1, 2027 | New Year's Day | |
| Monday, January 18, 2027 | Birthday of Martin Luther King, Jr. | |
| Monday, February 15, 2027 | Washington's Birthday | |
| Monday, May 31, 2027 | Memorial Day | |
| Monday, July 5, 2027 | Independence Day | observed; July 4 is a Sunday |
| Monday, September 6, 2027 | Labor Day | |
| Monday, October 11, 2027 | Columbus Day | |
| Thursday, November 11, 2027 | Veterans Day | |
| Thursday, November 25, 2027 | Thanksgiving Day |
The Saturday holidays: Reserve Banks stay open
The K.8 rule is: for holidays falling on Saturday, Federal Reserve Banks and Branches are open the preceding Friday, although the Board of Governors is closed. For holidays falling on Sunday, all Federal Reserve offices are closed the following Monday. That gives three Fridays in 2027 where the Board is closed and the Reserve Banks are open:
- Friday, June 18, 2027. Juneteenth falls on Saturday, June 19: Reserve Banks are open, the Board of Governors is closed.
- Friday, December 24, 2027. Christmas falls on Saturday, December 25: Reserve Banks are open, the Board of Governors is closed.
- Friday, December 31, 2027. New Year's Day 2028 falls on Saturday: Reserve Banks are open, the Board of Governors is closed.
The Fed's footnote added the third date on July 8, 2026, when it updated the New Year's Day observance for 2028 from December 31, 2028 to December 31, 2027. The Federal Reserve Financial Services page shows the same bank dates, with New Year's Day 2028 marked as a Saturday holiday.
What this means for ACH, wires and deposits
Services run by the Reserve Banks, such as FedACH and Fedwire, follow the Reserve Bank holiday schedule. On the Federal Reserve Financial Services holiday page, the FedACH table gives processing end and resume times around each holiday; for Thanksgiving 2026 it shows processing ending Nov. 25, 2026 at 11:30 p.m. ET and resuming Nov. 26, 2026 at 5:30 p.m. ET. At the retrieval date that page published the FedACH timetable for 2026 only, so the 2027 times are not available yet.
A practical way to use the calendar is to treat the dates above as non-processing days for anything that settles through the Reserve Banks, and to allow one extra business day around them. That is a planning suggestion rather than a rule from the Fed, and your own bank may set its own cut-off times or close on other days. Use the date checker to find the next day Reserve Banks are open; on the three Board-only Fridays the result reads as open.
Bank holidays versus federal holidays
The Federal Reserve list matches the federal holiday list except for the Saturday shift: federal employees take Friday off, but the Reserve Banks do not. It differs from the NYSE calendar in two directions: the Fed closes for Columbus Day and Veterans Day, and the NYSE closes for Good Friday, which the Fed does not.
Individual banks and credit unions can set their own branch hours and may be closed on days the Reserve Banks are open. The schedule here governs the Reserve Bank services, not your branch.
Sources
Retrieved November 1, 2026.
- Federal Reserve Board, K.8 Holidays Observed by the Federal Reserve System 2026-2030: 2027 holiday dates and the Saturday and Sunday footnotes.
- Federal Reserve Financial Services, Holiday Schedules: FedCash holiday table 2026 to 2030 and the 2026 FedACH processing timetable.
Frequently asked questions
Are banks closed on July 5, 2027?
Federal Reserve Banks are closed Monday, July 5, 2027 because July 4 falls on a Sunday. Many banks follow the same schedule, but check your own bank.
Are banks closed on Friday, December 24, 2027?
The Federal Reserve Banks are open that Friday, because Christmas falls on Saturday, December 25. The Board of Governors is closed. Individual banks may close.
Are banks closed on Juneteenth 2027?
Juneteenth is Saturday, June 19, 2027. Federal Reserve Banks are open Friday, June 18; the Board of Governors is closed that day.
Is the Federal Reserve closed on December 31, 2027?
Reserve Banks are open. The Fed lists December 31, 2027 as the day the Board is closed for New Year's Day 2028, which is a Saturday.
Are banks closed on Columbus Day and Veterans Day 2027?
The Federal Reserve lists both as holidays, October 11 and November 11, 2027, and Reserve Banks are closed.
How many bank holidays are there in 2027?
Nine closure days for Federal Reserve Banks. Three more Fridays close the Board of Governors only.
Do ACH transfers settle on Federal Reserve holidays?
Reserve Bank ACH processing follows the Reserve Bank schedule, which pauses around holidays. The FedACH holiday timetable for 2027 was not yet published on the retrieval date; the 2026 table shows how it works.
Official calendar
Dates are copied from the Federal Reserve's published schedules. Your bank may set its own hours and cut-off times. This is not financial advice. Everything runs in your browser; nothing you enter is sent anywhere.