USA Bank Public Holidays List 2025: On these dates, most banks across the American country will close their branches in observance of the holidays. However, customers can still access essential banking services through ATMs, online banking platforms, and mobile banking apps. It’s important to note that while transactions can be initiated through these digital channels during holidays, processing may not commence until the next business day when banks reopen.
For holidays falling on weekends, the observance may shift. For instance, if a federal holiday falls on a Saturday, Federal Reserve banks and branches will be open the preceding Friday; however, the Board of Governors will be closed. If a holiday falls on a Sunday, all Federal Reserve offices will be closed the following Monday.
It’s advisable to plan your banking activities around these dates to avoid any inconvenience. For specific information regarding your bank’s holiday schedule, consider contacting your local branch or visiting the bank’s official website.
USA Bank Public Holidays List 2025
TO THE PRESIDENT OF THE INSTITUTION ADDRESSED:
The following days in the year 2025 are legal holiday observances on which all banking institutions may be closed in accordance with the provisions of the General Construction Law in effect on the date hereof.
| NEW YEAR’S DAY | January 1 | Wednesday |
| DR. MARTIN LUTHER KING, JR. DAY | January 20 | Monday |
| LINCOLN’S BIRTHDAY | February 12* | Wednesday |
| WASHINGTON’S BIRTHDAY (Presidents’ Day) | February 17 | Monday |
| MEMORIAL DAY | May 26 | Monday |
| JUNETEEENTH | June 19 | Thursday |
| INDEPENDENCE DAY | July 4 | Friday |
| LABOR DAY | September 1 | Monday |
| COLUMBUS DAY/INDIGENOUS PEOPLE’S DAY | October 13 | Monday |
| ELECTION DAY | November 4* | Tuesday |
| VETERANS’ DAY | November 11 | Tuesday |
| THANKSGIVING DAY | November 27 | Thursday |
| CHRISTMAS DAY | December 25 | Thursday |
*Lincoln’s Birthday and Election Day are not holidays on which the New York State Department of Financial Services or the Federal Reserve Bank of New York are closed.
Source: https://www.dfs.ny.gov/industry-guidance/bank-holidays-2025
FAQ
What are the federal bank holidays in 2025?
The federal bank holidays in 2025 include New Year’s Day, Martin Luther King Jr. Day, Presidents’ Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.
Will banks be closed on federal holidays?
Yes, most banks will be closed on federal holidays. Customers can still access ATMs, online banking, and mobile apps, but transactions may not process until the next business day.
What happens if a holiday falls on a weekend?
If a federal holiday falls on a Saturday, banks may observe it on the preceding Friday. If it falls on a Sunday, banks will observe it on the following Monday.
Can I complete transactions during bank holidays?
You can initiate transactions through ATMs, online, or mobile banking on bank holidays, but processing will occur on the next business day.
Where can I find my bank’s holiday schedule?
You can find your bank’s holiday schedule on its official website or by contacting your local branch.
