PUBLIC HOLIDAY CALENDAR • United States

Is Today a Public Holiday in United States?

Friday, September 25, 2026

OPEN • Regular Workday

Is today a public holiday in United States? No. Today is a standard business day under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4. Commercial banks, financial exchanges, federal offices, and postal delivery networks operate standard business hours. The next official public holiday is Columbus Day / Indigenous Peoples' Day on 2026-10-12 (in 17 days).

Commercial Banks

Open

Fedwire & Branches

NYSE & NASDAQ

Active

Equity Sessions

Postal Delivery

Standard

Residential & Parcel

Government Desks

Open

Public Services

Upcoming Holidays & Bank Closures in United States

Approaching central clearing pauses, statutory non-working days, and bank closures under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4.

OCT 12

Columbus Day / Indigenous Peoples' Day Statutory

2026-10-12 • Federal Reserve Bank Holiday • United States Gazette

In 17d

Observance

→

NOV 11

Veterans Day Statutory

2026-11-11 • Federal Reserve Bank Holiday • United States Gazette

In 47d

Observance

→

NOV 26

Thanksgiving Day Statutory

2026-11-26 • Federal Statutory • United States Gazette

In 62d

Observance

→

Leave & Weekend Optimization

Smart calendar bridges to maximize your time off.

New Year's Day 4-Day Bridge

Holiday on Thursday • Take Friday for a 4-day weekend

4 Days

1 Day PTO

→

Martin Luther King Jr. Day Long Weekend

Jan 19 (Monday) • Automatic 3-day weekend without using leave

3 Days

0 Days PTO

→

Presidents' Day / Washington's Birthday Long Weekend

Feb 16 (Monday) • Automatic 3-day weekend without using leave

3 Days

0 Days PTO

→

Good Friday Long Weekend

Apr 3 (Friday) • Automatic 3-day weekend without using leave

3 Days

0 Days PTO

→

Banking & Holiday Guides

Payment rails, trading hours, and holiday schedules.

Weekend Holiday Rollover Rules

If a holiday lands on a weekend, do you legally get Monday off under 5 U.S.C. § 6103?

7 min

Read Time

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Columbus Day Market Split

Why the NYSE trades while Fedwire and commercial banks close.

8 min

Read Time

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Veterans Day T+1 Equity Settlement

How equity trade settlements handle the Federal Reserve clearing halt.

9 min

Read Time

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Black Friday Early Close & ACH Payroll Cutoff

NYSE Rule 7.2 early close & Wednesday 5:00 PM payroll ACH cutoff.

10 min

Read Time

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United States 2026 Public Holiday Calendar

Official public holidays and banking observances under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4

JAN 01

New Year's Day

2026-01-01 • Federal Statutory

Federal Statutory

JAN 19

Martin Luther King Jr. Day

2026-01-19 • Federal Statutory

Federal Statutory

FEB 16

Presidents' Day / Washington's Birthday

2026-02-16 • Federal Statutory

Federal Statutory

APR 03

Good Friday

2026-04-03 • Financial Markets / Bank Partial

Financial Markets / Bank Partial

APR 20

Patriots' Day (MA & ME)

2026-04-20 • State Statutory

State Statutory

MAY 25

Memorial Day

2026-05-25 • Federal Statutory

Federal Statutory

JUN 19

Juneteenth National Independence Day

2026-06-19 • Federal Statutory

Federal Statutory

JUL 03

Independence Day (Observed)

2026-07-03 • Federal In-Lieu Holiday

Federal In-Lieu Holiday

JUL 04

Independence Day (Calendar Date)

2026-07-04 • National Statutory

National Statutory

SEP 07

Labor Day

2026-09-07 • Federal Statutory

Federal Statutory

OCT 12

Columbus Day / Indigenous Peoples' Day

2026-10-12 • Federal Reserve Bank Holiday

Federal Reserve Bank Holiday

NOV 11

Veterans Day

2026-11-11 • Federal Reserve Bank Holiday

Federal Reserve Bank Holiday

NOV 26

Thanksgiving Day

2026-11-26 • Federal Statutory

Federal Statutory

NOV 27

Day After Thanksgiving (Black Friday)

2026-11-27 • State Holiday (24+ States) & Market Early Close

State Holiday (24+ States) & Market Early Close

DEC 24

Christmas Eve (Abbreviated)

2026-12-24 • SIFMA Market Early Close

SIFMA Market Early Close

DEC 25

Christmas Day

2026-12-25 • Federal Statutory

Federal Statutory

Planning & Workplace Utilities

Interactive tools for calculating leave, business days, and holiday countdowns.

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Calculator

Working Days Calculator

Calculate exact net working business days, excluding national bank holidays.

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United States Statutory Holidays & Financial Clearing Infrastructure

In the United States, public holidays are established at the federal level under Title 5 of the United States Code (5 U.S.C. § 6103). However, federal statutory holiday designations apply strictly to federal executive branch agencies, military administrative departments, and the District of Columbia. The United States has no constitutional provision enabling the federal government to mandate commercial closures or paid holiday time off for private corporations. Workplace holiday compensation, clearinghouse settlements, and market schedules operate across three distinct legal jurisdictions.

Workplace Employment Law

FLSA & State Premium Pay Rules

Under the Fair Labor Standards Act (FLSA), private employers are not required to provide paid days off on holidays or pay overtime premiums simply because work occurs on a calendar holiday. Overtime (time-and-a-half) triggers strictly when non-exempt employees exceed 40 hours worked in a payroll week. However, certain state labor statutes mandate premium holiday compensation; for example, Massachusetts "Blue Laws" historically required retail premium pay on Columbus Day and Veterans Day, whereas California and New York leave holiday compensation to private collective bargaining agreements and employee handbooks.

Financial Market Operations

NYSE, NASDAQ & SIFMA Split Sessions

The New York Stock Exchange (NYSE) and NASDAQ are private, shareholder-owned corporations that establish independent operating calendars. Equity markets observe 9 full holidays and two early-close sessions (1:00 PM EST on Black Friday and Christmas Eve). In contrast, the US Government Bond Market operates under annual recommendations published by the Securities Industry and Financial Markets Association (SIFMA). This creates market splits: on Columbus Day and Veterans Day, equity trading remains active while bond trading and central settlement halt entirely.

Central Payment Systems

Fedwire & ACH Operating Circular No. 4

The twelve regional Federal Reserve Banks operate under Federal Reserve Operating Circular No. 4. On all 11 federal public holidays, Fedwire Funds Service, the National Settlement Service (NSS), and the Automated Clearing House (FedACH) halt operations. Automated deposits scheduled for a federal holiday roll forward to the next business day. Real-time retail payments executed via the FedNow Service and The Clearing House (TCH) RTP network continue operating 24/7/365.

Weekend Holiday Rollover Mechanics (5 U.S.C. § 6103)

Federal law establishes strict statutory rollover rules for full-time civil service employees and financial institutions: when a public holiday falls on a Sunday, the following Monday is legally observed as an in-lieu-of public holiday (5 U.S.C. § 6103(b)(1)). When a holiday falls on a Saturday, the immediately preceding Friday is observed (5 U.S.C. § 6103(b)(2)). Private employers frequently follow this convention, but are not legally bound by federal statute to provide substitute paid days off.

Official Primary Statutory Sources

Last verified: September 2026

U.S. OPM Federal Pay & Leave→ Federal Reserve Operating Circular 4→ NYSE Official Trading Calendar→ SIFMA Market Recommendations→

Frequently Asked Questions

Common questions about bank holidays, market hours, and weekend rollover rules.

Is today a public holiday in United States? ▾

Official public holiday dates in United States are established under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4. This page checks the current local calendar date in your timezone against verified gazettes to display live operating status.

Are commercial banks and financial exchanges open today in United States? ▾

Physical commercial bank lobbies close on official public holidays because central clearing rails pause batch operations. Financial markets like NYSE & NASDAQ follow independent published operating calendars. However, mobile banking apps and ATMs run 24/7.

How are weekend public holidays observed in United States? ▾

Under statutory common law provisions, when an official calendar holiday falls on a Sunday, the following Monday is designated as an observed substitute holiday. If a holiday falls on a Saturday, federal employees and financial institutions observe the preceding Friday pursuant to 5 U.S.C. § 6103(a).

Are grocery stores, supermarkets, and pharmacies open on public holidays? ▾

Private commercial retailers, supermarkets, and pharmacies generally remain open on minor public holidays with normal or reduced hours. Major closures typically occur only on primary cultural holidays such as Christmas Day and New Year's Day.

Does postal mail deliver on public holidays in United States? ▾

National postal authorities pause standard residential and business mail delivery on official public holidays. However, express holiday parcel shipments often continue through private courier networks.

How do public holidays affect payroll processing and invoice payment terms? ▾

Direct deposit ACH files and interbank wire transfers pause on official non-clearing bank days. Invoices with Net 30 terms landing on a public holiday are customarily payable on the next open business day.