Holiday Schedules
The following are the standard holiday schedules for FedCash® Services and FedACH® Services. The International Holiday Schedule provides foreign country banking holidays that may impact FedGlobal® ACH Payments processing.
Table of Contents
FedCash Holiday Schedule
| Holiday | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| New Year's Day | January 1 | January 1 | January 1* | January 1 | January 1 |
| Martin Luther King Jr. Day | January 19 | January 18 | January 17 | January 15 | January 21 |
| Washington's Birthday (Presidents Day) | February 16 | February 15 | February 21 | February 19 | February 18 |
| Memorial Day | May 25 | May 31 | May 29 | May 28 | May 27 |
| Juneteenth National Independence Day | June 19 | June 19* | June 19 | June 19 | June 19 |
| Independence Day | July 4* | July 4** | July 4 | July 4 | July 4 |
| Labor Day | September 7 | September 6 | September 4 | September 3 | September 2 |
| Columbus Day | October 12 | October 11 | October 9 | October 8 | October 14 |
| Veterans Day | November 11 | November 11 | November 11* | November 11** | November 11 |
| Thanksgiving Day | November 26 | November 25 | November 23 | November 22 | November 28 |
| Christmas Day | December 25 | December 25* | December 25 | December 25 | December 25 |
*For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday.
**For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.
FedACH Holiday Schedule
| Holiday | 2026 | |
|---|---|---|
| Processing Ends | Processing Resumes* | |
| New Year’s Day | Dec. 31, 2025, 11:30 p.m. ET | Jan. 1, 2026, 5:30 p.m. ET |
| Martin Luther King Jr. Day | Jan. 17, 2026, 3 a.m. ET | Jan. 19, 2026, 5:30 p.m. ET |
| Washington’s Birthday (Presidents Day) | Feb. 14, 2026, 3 a.m. ET | Feb. 16, 2026, 5:30 p.m. ET |
| Memorial Day | May 23, 2026, 3 a.m. ET | May 25, 2026, 5:30 p.m. ET |
| Juneteenth National Independence Day | June 18, 2026, 11:30 p.m. ET | June 21, 2026, 5:30 p.m. ET |
| Independence Day | July 3, 2026, 11:30 p.m. ET | July 5, 2026, 5:30 p.m. ET |
| Labor Day | Sept. 5, 2026, 3 a.m. ET | Sept. 7, 2026, 5:30 p.m. ET |
| Columbus Day | Oct. 10, 2026, 3 a.m. ET | Oct. 12, 2026, 5:30 p.m. ET |
| Veterans Day | Nov. 10, 2026, 11:30 p.m. ET | Nov. 11, 2026, 5:30 p.m. ET |
| Thanksgiving Day | Nov. 25, 2026, 11:30 p.m. ET | Nov. 26, 2026, 5:30 p.m. ET |
| Christmas Day | Dec. 24, 2026, 11:30 p.m. ET | Dec. 27, 2026, 5:30 p.m. ET |
*Third file delivery begins at 8:15 p.m. ET
International Holiday Schedules
Foreign country banking holidays are not identical to U.S. banking holidays. For a list of foreign country bank holidays, please visit Office Holidays (Off-site). Please see the FedGlobal ACH Payments Service Origination Manual (PDF) for processing and settlement information related to foreign country holidays. Supplementary holiday schedules for participating countries may be found in the appropriate section of the manual.
For additional questions regarding holiday processing, please contact customer support.
