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Banks are not required to close on the holidays designated by the U.S. Federal Reserve System, but they usually do. Expect bank branches to be closed on Monday, Oct. 12, for Columbus Day (designated as Indigenous Peoples Day in some states and cities).
Here’s the Fed’s holiday schedule for 2026:
On these days, brick-and-mortar branches will likely be closed. (One notable exception among major banks is TD Bank, which does business on some federal holidays and will be open Oct. 12.) If so, in-person services are not available. Tellers and other staff get the day off, and drive-through service is typically closed, too, unless it’s automated. ATMs should be accessible.
Digital banking remains open, regardless of what America is celebrating that day. You can transact routine banking business via your bank’s or credit union’s website or app. If you have an online account, you can:
Your bank may offer additional digital services; check its website for information.
Here are some other things to know about banking, or not banking, on federal holidays.
Electronic bank transfers are routed through the Federal Reserve, so they don’t advance on holidays when the Fed is closed. (The same goes for weekends.) Thus, banking business you do online on a holiday will not start processing until the next business day.
Similarly, if it typically takes, say, two or three business days for a check deposit to clear or for a payment to process, the holiday won’t count toward those days.
By law, five of the 11 Federal Reserve holidays — Martin Luther King Jr. Day, Washington’s Birthday, Memorial Day, Labor Day and Columbus Day — take place on a Monday, and Thanksgiving is always on a Thursday. The remaining holidays occur on fixed dates and periodically fall on a weekend.
If a holiday falls on a Sunday, the Fed observes it on the following Monday, and banks often do the same. However, if a holiday falls on a Saturday, as Independence Day did this year, banks generally do not observe it on the Friday before.
Some states have distinct holidays of their own or observe holidays that are not on the federal calendar, such as Good Friday, the day after Thanksgiving or Christmas Eve. Bank branches in your state might close or operate with shorter hours on those days.
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