United States Bank Holidays 2025
Banking Services & Financial Operations Calendar
🏦 Banking Services Overview
⚠️ Important Reminders
- •Plan ahead for salary payments and bill payments
- •International transfers may face additional delays
- •Stock up on cash before long holiday weekends
- •Mobile deposits may take longer to process
Banking Services During Holidays
💳 ATM Availability
Most ATMs remain operational 24/7 during bank holidays, though some bank-operated ATMs inside branches may be inaccessible.
💻 Online Banking
Online and mobile banking services typically remain fully functional. However, customer support may be limited or unavailable.
🌍 International Transfers
SWIFT and wire transfers initiated on bank holidays are processed on the next business day. ACH transfers are not processed on federal holidays.
📄 Check Clearing Delays
Check deposits made on bank holidays or the day before may take an additional 1-2 business days to clear. Mobile check deposits follow the same timeline.
🔄 Cross-Border Banking Implications
International transfers to/from the US are delayed when US banks are closed, even if the sending country's banks are open.
🏪 Branch Hours
All bank branches are closed on federal bank holidays. Some banks may have limited Saturday hours that are also suspended.
🆘 Emergency Services
Lost/stolen card services remain available 24/7 via phone. Emergency cash services may be limited.
Upcoming Bank Holidays
Independence Day
Friday, July 4, 2025
Celebrates the Declaration of Independence in 1776
Independence Day
Friday, July 4, 2025
US stock markets closed for Independence Day
Labor Day
Monday, September 1, 2025
Honors the American labor movement
Labor Day
Monday, September 1, 2025
US stock markets closed for Labor Day
Rosh Hashanah
Tuesday, September 23, 2025
Jewish New Year
💡 Holiday Banking Tips
Before a Bank Holiday:
- ✓Withdraw sufficient cash for the holiday period
- ✓Submit time-sensitive transfers 2-3 days early
- ✓Deposit checks well in advance
- ✓Set up automatic payments to avoid late fees
During Bank Holidays:
- ✓Use online banking for balance checks
- ✓Find 24/7 ATMs in convenience stores
- ✓Keep emergency hotline numbers handy
- ✓Avoid large cash transactions if possible
Related Information
Understanding Bank Holidays in United States
Bank holidays in United States significantly impact financial operations and banking services. While physical bank branches close their doors, the implications extend far beyond simple closures. Understanding how these holidays affect various banking services can help individuals and businesses plan their financial activities more effectively.
Impact on Different Banking Services
During bank holidays in United States, electronic banking systems continue to function, but transaction processing is suspended. This means that while you can access your account, view balances, and even initiate transfers through online or mobile banking, these transactions won't be processed until the next business day. This delay particularly affects time-sensitive payments such as wire transfers, direct deposits, and bill payments.
International Banking Considerations
For international businesses and individuals dealing with cross-border transactions, United States bank holidays create additional complexity. When banks in United States are closed, international wire transfers cannot be completed, even if banks in the destination country are open. This is particularly important for forex traders, international businesses, and anyone sending money abroad.
Planning Around Bank Holidays
Effective financial planning requires awareness of upcoming bank holidays. Businesses should maintain a calendar of bank holidays to ensure payroll processing, supplier payments, and customer transactions are scheduled appropriately. Individual consumers should plan cash withdrawals, check deposits, and important transfers well in advance of holiday periods.
The 2025 bank holiday calendar for United States includes 29 days when banking services are limited or unavailable. By understanding the specific impacts of each holiday and planning accordingly, both businesses and individuals can minimize disruptions to their financial activities.