The United States will observe 11 federal holidays in 2026, marking official non-working days for Federal Reserve banks, most financial institutions, government offices, courts, and public schools. These holidays play a key role in shaping work schedules, banking operations, travel plans, and payroll timelines across the country.
The federal holiday calendar begins with New Year’s Day on Thursday, January 1, and concludes with Christmas Day on Friday, December 25. Several holidays fall on Mondays, creating multiple long weekends that Americans can use for travel, family time, or short breaks.
Complete List of US Federal Bank Holidays in 2026
New Year’s Day – Thursday, January 1
Martin Luther King Jr. Day – Monday, January 19
Washington’s Birthday (Presidents’ Day) – Monday, February 16
Memorial Day – Monday, May 25
Juneteenth National Independence Day – Friday, June 19
Independence Day (Observed) – Friday, July 3
(July 4 falls on a Saturday)
Labor Day – Monday, September 7
Columbus Day / Indigenous Peoples’ Day – Monday, October 12
Veterans Day – Wednesday, November 11
Thanksgiving Day – Thursday, November 26
Christmas Day – Friday, December 25
The observance of Independence Day on Friday, July 3 ensures a three-day weekend, despite July 4 falling on a Saturday.
Closures and Operational Adjustments
Most banks and credit unions follow the Federal Reserve holiday schedule, meaning branches will remain closed on all listed holidays. Government offices, courts, and public schools typically observe these closures as well. USPS generally suspends regular mail delivery on federal holidays, with limited services available.
Financial markets may operate on modified schedules, especially around major holidays such as Thanksgiving and Christmas. Private companies are not legally required to observe federal holidays, but many align with the calendar for staffing and operational consistency.
Planning Tips for 2026
Banking & Payments: Customers should plan cash withdrawals, deposits, wire transfers, and check clearances in advance to avoid processing delays.
Payroll & Business Operations: Employers often adjust salary disbursements around holidays; employees using direct deposit typically experience fewer disruptions.
Travel & Leisure: Holidays like MLK Day, Memorial Day, Juneteenth, and Labor Day offer ideal opportunities for long-weekend travel.
New Year’s Eve Hours: Most banks are expected to operate on December 31, though hours may be reduced depending on the institution and location.
As Americans map out work commitments, vacations, and financial activities, the 2026 federal holiday calendar serves as an essential planning tool. Keeping these dates in mind can help avoid last-minute banking hurdles while maximizing time off throughout the year.
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