📑Table of Contents:
Federal holidays in the USA are more than days off—they directly impact how and when your money moves. If you’re expecting a deposit, sending a payment, or transferring funds around a holiday, you could run into delays. That’s because most banks and financial institutions follow the federal calendar.
Below, you’ll find the full list of 2025 federal holidays and what each one could mean for your banking activity. Planning around them can save you time, stress, and even fees.
Federal Holidays in 2025
Here are the dates when U.S. federal offices, including the Federal Reserve, will be closed in 2025:
- New Year’s Day – Wednesday, January 1
- Martin Luther King Jr. Day – Monday, January 20
- Presidents Day – Monday, February 17
- Memorial Day – Monday, May 26
- Juneteenth – Thursday, June 19
- Independence Day – Friday, July 4
- Labor Day – Monday, September 1
- Indigenous Peoples’ Day / Columbus Day – Monday, October 13
- Veterans Day – Tuesday, November 11
- Thanksgiving Day – Thursday, November 27
- Christmas Day – Thursday, December 25
On these days, banks that rely on Federal Reserve services pause key operations. That pause affects how quickly money can move through the system.
What Changes on a Federal Holiday?
Federal holidays in the USA freeze several types of financial transactions. Here’s what typically gets held up:
- Direct deposits: Payroll or benefits scheduled for a holiday may be delayed by one day.
- Bank-to-bank transfers: Whether it’s a personal transaction or business payment, ACH and wire transfers don’t process on holidays.
- Mobile and ATM deposits: You can still make them, but posting may be delayed until the next business day.
- Branch services: Most physical branches are closed. Even if open, staff may have limited access to processing systems.
If you plan to send or receive money around any of these holidays, the safest move is to adjust your schedule by a day or two.
What Still Works (But With Limits)
Not every banking function stops during a holiday. You can still:
- Log in to your mobile app or online banking portal
- Transfer funds between accounts at the same bank
- View transactions, statements, and balances
- Schedule bill payments (though they won’t start processing until the next business day)
- Use ATMs for withdrawals or balance checks
Just keep in mind that anything relying on interbank processing won’t move forward until the system reopens.
How to Stay Ahead of Banking Disruptions
Being proactive is the best way to avoid headaches. Here’s how to stay in control:
- Send money early: If a holiday falls near your due date or payday, process your transactions at least one business day in advance to ensure timely payment. Some institutions recommend two days just to be safe.
- Check your payroll schedule: Employers who pay via direct deposit often adjust for holidays. If your regular payday lands on a Monday holiday, expect the deposit the following day—unless your employer moves it up.
- Review your billing dates: Some creditors offer grace periods for holidays, but not all. Avoid late fees by double-checking which day your bill is due.
- Use account alerts: Most banks offer text or email notifications. These can help you monitor when funds arrive or when balances change.
- Avoid same-day check deposits: Depositing a check on a holiday—even through an app—doesn’t mean you’ll have access to the funds right away. Always allow extra time.
Why This Matters for You
If you’re managing cash flow, sending rent, paying employees, or budgeting paycheck to paycheck, holiday-related delays can have real consequences. Missed payments can lead to fees. A delayed deposit can mean an overdraft. These aren’t just minor inconveniences—they can throw off your entire financial rhythm.
Staying informed gives you the power to make informed plans. And with a year-long view of the holiday schedule, you can set reminders, adjust transfers, and avoid unnecessary stress.
Bottom Line
In 2025, don’t let a holiday catch you by surprise. Federal holidays may pause bank processing, but they don’t have to stop your plans. By familiarizing yourself with the calendar and adjusting your timing, you can keep your finances running smoothly.
