Federal Reserve holidays 2027: dates and what closes

All 11 Federal Reserve holidays of 2027, the weekday each falls on, and when wires restart.

The Federal Reserve holidays 2027 are 11 dates, from New Year’s Day on Friday, January 1, to Christmas Day on Saturday, December 25. The Reserve Banks close on nine weekdays: January 1, January 18, February 15, May 31, July 5, September 6, October 11, November 11 and November 25. Juneteenth and Christmas fall on Saturdays, so the Reserve Banks stay open the Friday before.

At a glance

• Weekday closures in 20279, six of them Mondays
• Saturday holidaysJuneteenth (June 19) and Christmas Day (December 25); the Reserve Banks are open on Friday, June 18, and Friday, December 24
• Sunday holidayIndependence Day (July 4); the Reserve Banks close on Monday, July 5
• New Year’s Day 2028a Saturday, so Friday, December 31, 2027, is a business day for the Reserve Banks
• FedNowruns every day of the year, holidays included

Source: Federal Reserve Board: holidays observed (K.8) · Federal Reserve Financial Services: holiday schedules · Checked on October 25, 2026

Federal Reserve holidays 2027

Source: Federal Reserve Board: holidays observed (K.8) · Federal Reserve Financial Services: holiday schedules · Checked on October 25, 2026

The Fed’s rule is the same every year. When a holiday falls on a Saturday, the Reserve Banks are open on the Friday before. When it falls on a Sunday, they close on the Monday after. The Board of Governors keeps its own office closures on some of those Fridays, but the Reserve Banks, which run the payment services, stay open.

Long weekends for bank transfers in 2027

Seven holidays make a three-day weekend, so wires and standard bank transfers pause for three days in a row:

Source: Fedwire Funds Service operating hours · Federal Reserve Board: holidays observed (K.8) · Checked on October 25, 2026

Thanksgiving and Veterans Day fall on Thursdays, so the Friday after each is an ordinary business day for wires.

What stops on a Fed holiday

At a glance

• Fedwire (wires)no funds-transfer business day on Saturdays, Sundays or Fed holidays; each business day opens at 9:00 PM ET the evening before, even when that evening is a holiday, and the customer transfer cutoff is 6:45 PM ET
• FedACH (direct deposits, bank-to-bank transfers)in 2026 the Fed’s FedACH schedule stops processing before each holiday and restarts at 5:30 PM ET on the holiday itself
• FedNow (instant payments)a 24-hour business day every day of the week, weekends and Fed holidays included

Sources: Fedwire Funds Service operating hours · FedACH holiday schedule · FedNow Service operating hours · Checked on October 25, 2026

After a Monday holiday, Fedwire opens at 9:00 PM ET on Monday evening for Tuesday’s business day. A wire your bank has not sent by its own cutoff on the Friday before goes out on Tuesday. Banks set their cutoffs before the Fed’s 6:45 PM ET deadline; compare them in wire transfer cutoff time.

Timeline

1. Friday, July 2, before your bank’s cutofflast chance to send a wire before the Independence Day weekend
2. Saturday, July 3, to Monday, July 5no Fedwire business day
3. Monday, July 5, 9:00 PM ETFedwire opens for Tuesday’s business day
4. Tuesday, July 6wires requested over the long weekend go out

Before a 2027 Fed holiday

• Send a wire that must arrive before a holiday on the last business day before it, ahead of your bank’s cutoff.
• Expect a direct deposit or bank transfer due on a holiday to arrive a banking day later; see how long does ach take.
• How Venmo, PayPal, Cash App and Zelle handle a Fed holiday is set out in federal reserve holidays 2026.
• Your own bank’s holiday notice has the final word on its branches and processing.

This page explains payment timing and is not financial advice.