Martin Luther King Jr. Day is coming up, and it can be difficult to figure out which businesses are going to be closed, especially banks. If you’re planning to deal with your personal finances on MLK Day, you might be disappointed to see that your local bank is closed.
Banks are closed on Martin Luther King Jr. Day, Monday, Jan. 19.
In 2026, there are 11 federal holidays observed by the Federal Reserve, which regulates the United States banking system. These bank closures could affect your banking activities and delay your funds. For example, if you deposit a check on MLK Day, the funds may not become available until the next business day. Below is the complete list of bank holidays in 2026.
Bank Holidays 2026
If a holiday falls on a Saturday, like Independence Day, the bank will still be open on the Friday before, but if a holiday occurs on a Sunday, the bank will be closed the following Monday.
| Holiday | Date |
| New Year’s Day | Thursday, Jan. 1 |
| Martin Luther King Jr. Day | Monday, Jan. 19 |
| Presidents’ Day | Monday, Feb. 16 |
| Memorial Day | Monday, May 25 |
| Juneteenth National Independence Day | Friday, June 19 |
| Independence Day | Saturday, July 4 |
| Labor Day | Monday, Sept. 7 |
| Columbus Day | Monday, Oct. 12 |
| Veterans Day | Wednesday, Nov. 11 |
| Thanksgiving | Thursday, Nov. 26 |
| Christmas | Friday, Dec. 25 |
What Holidays Are Banks Open?
Most U.S. banks will be open on these holidays:
| Holiday | Date |
| Orthodox Christmas | Wednesday, Jan. 7 |
| Lincoln’s Birthday | Thursday, Feb. 12 |
| Ramadan | Tuesday evening, Feb. 17 |
| Mardi Gras | Tuesday, Feb. 17 |
| Ash Wednesday | Wednesday, Feb. 18 |
| Purim | Monday evening, March 2 |
| Holi | Wednesday, March 4 |
| St. Patrick’s Day | Tuesday, March 17 |
| Eid al-Fitr | Thursday evening, March 19 |
| Passover | Wednesday evening, April 1 |
| Good Friday | Friday, April 3 |
| Eid al-Adha | Friday evening, June 6 |
| Rosh Hashanah | Friday evening, Sept. 11 |
| Halloween | Saturday, Oct. 31 |
| Election Day | Tuesday, Nov. 3 |
| Black Friday | Friday, Nov. 27 |
| Hanukkah | Friday evening, Dec. 4 |
| Christmas Eve | Thursday, Dec. 24 |
| Kwanzaa | Saturday, Dec. 26 |
| New Year’s Eve | Thursday, Dec. 31 |
Using an ATM on a Federal Bank Holiday
Although bank branches will be closed on a holiday, the ATMs will not. You will be able to check your account balance and make cash withdrawals. As a plus, some banks offer ATMs that are open 24 hours.
Paying a Bill on a Bank Holiday
If you have an automated bill payment that falls on a Federal Reserve holiday, the payment won’t process until the next business day, which can lead to extra fees if you miss the due date. All withdrawals will also be suspended on bank holidays. Make sure you plan ahead for bills that fall on these holidays so your payments post in time.
Alternatives to Banking on Federal Reserve Bank Holidays
Thankfully, most major banks have online accessibility when their brick-and-mortar locations are closed. This access makes it possible to do a lot of things on a bank holiday, such as deposit a check with your smartphone. However, the check likely won’t be processed until the next business day.
You will also be able to open up a bank account online during a bank holiday, including checking accounts, savings accounts, money market accounts or certificates of deposit.
If you need to send money to someone on a bank holiday, consider using a payment app, such as Venmo or PayPal, which allows you to send and receive money from people.
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Are Banks Open Today? Federal Holiday Bank Closures originally appeared on usnews.com
Update 01/15/26: This story was previously published at an earlier date and has been updated with new information.
