Bank holidays 2028

US banks follow the Federal Reserve's holiday schedule. In 2028 the Fed is closed on 9 weekdays: Martin Luther King Jr. Day (Monday, January 17), Presidents Day (Monday, February 21), Memorial Day (Monday, May 29), Juneteenth (Monday, June 19), Independence Day (Tuesday, July 4), Labor Day (Monday, September 4), Columbus Day (Monday, October 9), Thanksgiving (Thursday, November 23) and Christmas Day (Monday, December 25). ACH payments, direct deposits and wires don't settle on those days.

Download: CSV for Excel or Google Sheets · Federal Reserve calendar 2028

The Friday that catches people out

Friday, November 10 (Veterans Day is on Saturday): federal offices close, but the Federal Reserve is open, so banks process payments and direct deposits arrive as normal. The Fed never moves a Saturday holiday to Friday. A holiday that falls on a Sunday is a different story: the Fed closes the following Monday. More on the Saturday rule.

Bank holidays and federal holidays aren't the same list

The Federal Reserve closes on the federal holidays, with two differences that matter for money. It doesn't close on the Friday before a Saturday holiday, while federal offices do. And it has nothing to do with the stock market: the NYSE closes on Good Friday, when banks are open, and stays open on Columbus Day and Veterans Day, when banks are closed. See bank holidays vs stock market holidays.

How bank holidays move payments

A payment due on a bank holiday or weekend settles on the next business day. Payroll usually moves the other way, to the business day before, so nobody is paid late.

Add 2028 bank holidays to your calendar

Free, auto-updating subscription (2025–2031). New closures appear in your calendar automatically.

Canada and the UK

Canadian banks follow Payments Canada, which closes on Remembrance Day and Boxing Day but not on Family Day or Easter Monday: Payments Canada holidays 2028. UK banks follow the England and Wales bank holidays: UK bank holidays 2028 (Bacs).

Get bank holidays in code

curl "https://bankday.dev/v1/holidays?calendar=us-fed&year=2028" \
  -H "Authorization: Bearer $BANKDAY_KEY"

Add &format=csv for a spreadsheet, or check any single date with /v1/business-day. Every rail, exchange and country uses the same calls.

Other years

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