Complete Guide to US Bank Holidays 2025
US Bank Holidays 2025 are important to know if you want to avoid financial delays and plan your year better. Banks stay closed on these holidays, affecting services like deposits, transfers, and payments. Knowing these dates helps you manage your transactions smoothly.
In the United States, bank holidays are usually federal holidays, but some states may observe extra holidays. Understanding these holidays ensures you don’t face unexpected banking issues.
This article lists all US bank holidays for 2025, explains their impact on banking services, and provides tips to help you manage your finances during these days.
Comprehensive List of US Holidays in 2025
Chronological List of Federal Holidays
Here are the official federal holidays for 2025. On these dates, most banks across the United States will be closed:
- New Year’s Day: Wednesday, January 1, 2025
- Martin Luther King Jr. Day: Monday, January 20, 2025
- Presidents’ Day: Monday, February 17, 2025
- Memorial Day: Monday, May 26, 2025
- Juneteenth National Independence Day: Thursday, June 19, 2025
- Independence Day: Friday, July 4, 2025
- Labor Day—Monday, September 1, 2025
- Columbus Day: Monday, October 13, 2025
- Veterans Day: Tuesday, November 11, 2025
- Thanksgiving Day: Thursday, November 27, 2025
- Christmas Day: Thursday, December 25, 2025
State-Specific Holidays
Some states observe additional holidays when local banks may be closed:
- Good Friday: April 18, 2025 (Observed in states like Texas, Florida, and New Jersey)
- Robert E. Lee Day: January 20, 2025 (Alabama, Mississippi)
- Cesar Chavez Day: March 31, 2025 (California, Texas)
- Patriot’s Day: April 21, 2025 (Maine, Massachusetts)
- Election Day: November 4, 2025 (Observed in some states)
These federal and state holidays are essential to know so you can schedule your financial activities without disruption.
How Bank Holidays Affect Financial Transactions?
Impact on Bank Operations
On US bank holidays, most banks and financial institutions close their physical branches, which means in-person services such as withdrawals, deposits, and account-related queries will be unavailable. Some banks may reduce their operational hours on the days leading up to a holiday, and certain services like loan processing or account verification may be delayed.
Effect on Direct Deposits and Bill Payments
Direct deposits, such as paychecks or government benefits, are typically processed on business days. On bank holidays, these deposits may be delayed, which could affect your cash flow. Similarly, bill payments scheduled for these days might not go through until the next business day, potentially leading to late fees if not planned in advance.
ATM and Online Banking Availability
ATMs usually remain accessible on bank holidays, allowing you to withdraw cash or check account balances. However, some services, like transferring funds between accounts or initiating certain transactions, may require a business day to process. Online and mobile banking apps may allow access to your accounts, but keep in mind that certain transactions like bill payments or money transfers might be processed after the holiday ends.
FAQs
Are Banks Open on Federal Holidays?
No, most banks are closed on federal holidays. These holidays include New Year’s Day, Memorial Day, Labor Day, Thanksgiving, and others. However, some banks may offer limited services through ATMs or online banking.
Do Bank Holidays Affect Credit Card Transactions?
Bank holidays do not affect credit card transactions directly, as purchases are processed through credit card networks. However, if you make a payment or a transfer on a bank holiday, it might not be processed until the next business day.
How Do International Transactions Work During US Bank Holidays?
International transactions will not be processed by US banks on federal holidays, as most banking operations are closed. However, international card networks (like Visa or Mastercard) may still process the transaction, but the settlement may be delayed.
Can I Access My Bank Account Online on Holidays?
Yes, you can access your bank account online or via mobile banking on bank holidays. While you can view balances, transfer funds, and schedule payments, certain transactions may be delayed until the next business day.
Are State-Specific Bank Holidays the Same for All Banks?
State-specific holidays are observed by some banks in certain states. Not all banks follow the same rules for state holidays, so it’s important to check with your local bank to confirm their holiday schedule.