United States · Payroll · Pay dates 2027
Payroll holiday pay date adjustments 2027.
The 2027 bank holidays that move a payday, the Saturday holidays that do not, and a checker for any pay date.
Short answer: The Federal Reserve Banks close on nine days in 2027: January 1, January 18, February 15, May 31, July 5, September 6, October 11, November 11 and November 25. Juneteenth, Christmas Day and New Year's Day 2028 fall on Saturdays, so the Reserve Banks stay open the preceding Fridays, June 18, December 24 and December 31. A payday on a closure is commonly paid on the previous bank day.
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Result
Press Check date to see whether it is a bank day.
The 2027 bank holidays that affect payroll
Direct deposits travel over the Automated Clearing House network, which settles only on bank days, so the Federal Reserve holiday schedule decides which pay dates cannot settle. The Federal Reserve Financial Services schedule lists the 2027 closures below. A payroll that pays by direct deposit has to send the file early enough to settle before the pay date, and many employers choose a pay date on the last bank day before a closure.
| Bank holiday (Reserve Banks closed) | Holiday | Notes |
|---|---|---|
| Fri Jan 1, 2027 | New Year’s Day | Friday |
| Mon Jan 18, 2027 | Martin Luther King Jr. Day | Monday |
| Mon Feb 15, 2027 | Washington’s Birthday (Presidents Day) | Monday |
| Mon May 31, 2027 | Memorial Day | Monday |
| Mon Jul 5, 2027 | Independence Day (observed) | July 4 is a Sunday, so the Reserve Banks close Monday |
| Mon Sep 6, 2027 | Labor Day | Monday |
| Mon Oct 11, 2027 | Columbus Day | Monday |
| Thu Nov 11, 2027 | Veterans Day | Thursday |
| Thu Nov 25, 2027 | Thanksgiving Day | Thursday |
What changed from 2026
The 2026 schedule has no July 5 observance and no Saturday holiday: in 2026 Independence Day (July 4) fell on a Saturday, so the Reserve Banks were open the preceding Friday, and Christmas Day fell on a Friday. In 2027 the pattern flips: July 4 is a Sunday, so the Reserve Banks close Monday July 5, while Juneteenth, Christmas and the 2028 New Year's Day fall on Saturdays and the Reserve Banks stay open on the Fridays before them. Three 2027 holidays fall on a Saturday: Juneteenth (June 19), Christmas Day (December 25) and, for 2028, New Year's Day (January 1). The Federal Reserve schedule says that for holidays falling on Saturday the Reserve Banks stay open the preceding Friday, so Friday June 18, Friday December 24 and Friday December 31, 2027 are normal bank days. Independence Day falls on a Sunday, so the Reserve Banks close Monday July 5.
How many pay dates move, by weekday
The count depends on the weekday your payroll uses. On a weekly or biweekly Monday schedule, six Mondays are closures: January 18, February 15, May 31, July 5, September 6 and October 11. On a Thursday schedule the two Thursday closures are November 11 and November 25. A Friday schedule has only January 1, and Tuesday and Wednesday schedules have none. Semi-monthly and monthly payrolls depend on the calendar day instead, and a month-end payroll moves five times in 2027 because of weekends and Memorial Day.
| Payday weekday | Paydays moved by a closure | Dates |
|---|---|---|
| Monday | 6 | Mon Jan 18 to Fri Jan 15; Mon Feb 15 to Fri Feb 12; Mon May 31 to Fri May 28; Mon Jul 5 to Fri Jul 2; Mon Sep 6 to Fri Sep 3; Mon Oct 11 to Fri Oct 8 |
| Tuesday | 0 | None |
| Wednesday | 0 | None |
| Thursday | 2 | Thu Nov 11 to Wed Nov 10; Thu Nov 25 to Wed Nov 24 |
| Friday | 1 | Fri Jan 1 to Thu Dec 31, 2026 |
Worked example (2027)
A payroll paid every Monday has a payday on July 5, 2027. The Reserve Banks are closed that day because July 4 is a Sunday, so an employer that rolls back pays on Friday July 2. A payroll paid every Friday has a payday on Friday June 18, which looks like a Juneteenth risk but is not, because Juneteenth is Saturday June 19 and the Reserve Banks stay open on the 18th. A payroll paid on Friday December 24 is also normal. A payroll paid on Thursday November 25 moves to Wednesday November 24.
Common mix-ups
- A federal holiday is not always a bank closure. When a holiday falls on a Saturday the Federal Reserve Banks stay open the Friday before.
- Observed holidays can differ. Federal government offices may observe a Saturday holiday on Friday; the bank-day question follows the Federal Reserve schedule.
- Veterans Day closes the Reserve Banks in 2027. November 11 is a Thursday and the Federal Reserve lists it as a closure.
- Moving the payday is a convention. Federal law does not set it, and some states regulate pay timing.
Method
The checker parses the date you enter and tests it against Saturday, Sunday and the nine 2027 Federal Reserve closures. If it is not a bank day it steps back one day at a time until it reaches one and reports that date. The by-weekday table lists every Monday through Friday in 2027 that lands on a closure. Dates are handled as UTC calendar days so your browser time zone never shifts them. Closures come from the Federal Reserve schedule read on November 9, 2026.
What this does not cover
- State rules on how often and when employees must be paid, and rules on final pay.
- Employers that pay after a holiday instead of before it.
- Which holidays your employer observes as paid days off; this page covers bank settlement only.
- Holidays outside the Federal Reserve schedule, including state and local ones.
Figures read from the sources below on November 9, 2026. Last updated November 9, 2026.
Sources
- Federal Reserve Financial Services: Holiday Schedules (FedCash and FedACH, 2026 to 2030) (retrieved November 9, 2026)
Frequently asked questions
Which 2027 holidays close the Federal Reserve Banks?
January 1, January 18, February 15, May 31, July 5, September 6, October 11, November 11 and November 25.
Is Juneteenth a bank holiday in 2027?
Juneteenth is Saturday June 19, so the Reserve Banks stay open the preceding Friday, June 18, under the Federal Reserve schedule.
Is Friday December 24, 2027 a bank day?
Yes. Christmas Day falls on Saturday December 25, and the Reserve Banks stay open the preceding Friday.
Why are banks closed on Monday July 5, 2027?
Independence Day is Sunday July 4, and the Federal Reserve closes the Reserve Banks the following Monday.
Which payday weekdays are not affected by a closure in 2027?
Tuesday and Wednesday paydays never land on a closure in 2027.
Does payday move if it falls on a bank holiday?
Many employers pay on the previous bank day. No federal rule sets it, and some states regulate pay timing, so check your state.
Where do these dates come from?
The Federal Reserve Financial Services holiday schedules, linked in the sources section.
Not legal advice
This page is general information from an unofficial guide, not legal, payroll or tax advice. State wage payment laws set when and how often employees must be paid, and a roll-back to the previous bank day is an employer convention, not a federal rule. Confirm with your state labor agency and payroll provider. Nothing you type is sent anywhere.