US Federal Reserve Bank Holidays: 2026 and 2027
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US holidays can affect international payments involving American banks. The table follows the Federal Reserve Bank holiday calendar, not a guarantee that every commercial-bank branch is closed.
Holiday dates
| Holiday | 2026 | 2027 |
|---|---|---|
| New Year’s Day | 1 January | 1 January |
| Martin Luther King Jr. Day | 19 January | 18 January |
| Washington’s Birthday | 16 February | 15 February |
| Memorial Day | 25 May | 31 May |
| Juneteenth | 19 June | 19 June (Saturday) |
| Independence Day | 4 July (Saturday) | 4 July (Sunday; Monday closure 5 July) |
| Labor Day | 7 September | 6 September |
| Columbus Day | 12 October | 11 October |
| Veterans Day | 11 November | 11 November |
| Thanksgiving Day | 26 November | 25 November |
| Christmas Day | 25 December | 25 December (Saturday) |
The weekend rule matters
When a listed holiday falls on a Saturday, Federal Reserve Banks and branches are open on the preceding Friday. When it falls on a Sunday, they are closed on the following Monday.
For example, Independence Day 2026 falls on Saturday 4 July; Friday 3 July is not a Federal Reserve Bank holiday under this rule. In 2027, the Sunday 4 July holiday produces a Monday 5 July closure.
Federal-government employee observance can differ, which is why applying the usual “preceding Friday” rule to all banking is misleading. Inauguration Day is not one of the eleven holidays in the Federal Reserve Bank table.
Planning a transfer from Kenya
Ask the sending and receiving banks about cut-off times, value dates and the relevant payment service. Kenyan holidays and intermediary-bank calendars may also matter. An online transfer request can be accepted while settlement follows a different timetable.
Tip: Check the specific bank and payment service rather than assuming a branch opening, app availability or card payment establishes when a wire will settle.
