How do US bank holidays affect my transfers and transactions?
On a US banking holiday, the US banks that process ACH and wire transfers are closed, so a bank transfer may take one more business day to be processed or posted. Stablecoin transfers are not affected, because they run on blockchain networks 24/7, including weekends and holidays.
Which holidays are observed by US banks?
Here is the holiday schedule observed by US banks.
Holiday | 2026 | 2027 | 2028 | 2029 | 2030 |
New Year’s Day | January 1 | January 1 | January 1* | January 1 | January 1 |
Birthday of Martin Luther King, Jr. | January 19 | January 18 | January 17 | January 15 | January 21 |
Washington’s Birthday (Presidents’ Day) | February 16 | February 15 | February 21 | February 19 | February 18 |
Memorial Day | May 25 | May 31 | May 29 | May 28 | May 27 |
Juneteenth | June 19 | June 19* | June 19 | June 19 | June 19 |
Independence Day | July 4* | July 4** | July 4 | July 4 | July 4 |
Labor Day | September 7 | September 6 | September 4 | September 3 | September 2 |
Columbus Day | October 12 | October 11 | October 9 | October 8 | October 14 |
Veterans Day | November 11 | November 11 | November 11* | November 11** | November 11 |
Thanksgiving Day | November 26 | November 25 | November 23 | November 22 | November 28 |
Christmas Day | December 25 | December 25* | December 25 | December 25 | December 25 |
*For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday.
**For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.
See more details in https://www.frbservices.org/about/holiday-schedules
How should I plan my transfers around US bank holidays?
If you are planning a time-sensitive bank transfer (ACH or wire), check the US holiday schedule in advance. If a holiday is coming up, allow for an extra business day when deciding when to send, or when to ask your sender to send. Stablecoin transfers do not need this planning, since they are processed any day of the week.
Are all types of transfers affected by US banking holidays?
No. Bank transfers (ACH and wire) are affected, because they depend on US banks that close on holidays. Stablecoin transfers are not affected and are processed 24/7, including weekends and US holidays.