Are banks open today?
US banks follow the Federal Reserve holiday schedule for ACH and wire settlement. Branch hours vary by bank, but when the Fed is closed, no ACH or wire payments settle.
US Federal Reserve (FedACH, Fedwire) holidays 2026
| Date | Day | Holiday |
|---|---|---|
| January 1, 2026 | Thursday | New Year's Day |
| January 19, 2026 | Monday | Martin Luther King Jr. Day |
| February 16, 2026 | Monday | Washington's Birthday (Presidents Day) |
| May 25, 2026 | Monday | Memorial Day |
| June 19, 2026 | Friday | Juneteenth National Independence Day |
| September 7, 2026 | Monday | Labor Day |
| October 12, 2026 | Monday | Columbus Day |
| November 11, 2026 | Wednesday | Veterans Day |
| November 26, 2026 | Thursday | Thanksgiving Day |
| December 25, 2026 | Friday | Christmas Day |
Check this in code
curl "https://bankday.jacklehoff4866.workers.dev/v1/today?calendar=us-fed" -H "Authorization: Bearer $BANKDAY_KEY"
See also: why bank and stock-market holidays differ.
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