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OFFICIAL U.S. CALENDAR

2026 Federal bank holidays and direct deposits

Federal Reserve service schedules can change ACH processing windows. A holiday does not guarantee that every paycheck will be late because employers and banks may adjust their timing.

HolidayDateFedACH processing
New Year's DayJanuary 1, 2026Resumes Jan 1 at 5:30 PM ET
Martin Luther King Jr. DayJanuary 19, 2026Resumes Jan 19 at 5:30 PM ET
Washington's BirthdayFebruary 16, 2026Resumes Feb 16 at 5:30 PM ET
Memorial DayMay 25, 2026Resumes May 25 at 5:30 PM ET
JuneteenthJune 19, 2026Resumes Jun 21 at 5:30 PM ET
Independence DayJuly 4, 2026Resumes Jul 5 at 5:30 PM ET
Labor DaySeptember 7, 2026Resumes Sep 7 at 5:30 PM ET
Columbus DayOctober 12, 2026Resumes Oct 12 at 5:30 PM ET
Veterans DayNovember 11, 2026Resumes Nov 11 at 5:30 PM ET
Thanksgiving DayNovember 26, 2026Resumes Nov 26 at 5:30 PM ET
Christmas DayDecember 25, 2026Resumes Dec 27 at 5:30 PM ET

How a holiday can affect payday

ACH files move on banking schedules. If a scheduled settlement date falls around a closure, a payer may submit payroll earlier or the deposit may become available on the next processing day. Early-pay features remain dependent on when the bank receives the payer's instruction.

What to do

  1. Check your employer's announced payday.
  2. Check your bank's official status and account alerts.
  3. If the scheduled date passed, ask payroll whether the file was sent and request its trace number.
Federal Reserve Financial Services holiday schedule

Dates are sourced from Federal Reserve Financial Services. Review the official page for service-specific changes.

2026 schedule · 2027 schedule · 2028 schedule · 2029 schedule · 2030 schedule