The Complete Guide: How Many Bank Holidays Are There in the US?

Hey there, folks! It’s your Holiday Little Assistant here, ready to break down everything you need to know about bank holidays in the US. Whether you’re planning a vacation, scheduling payments, or just curious, I’ve got the scoop!

How Many Bank Holidays Are There in the US?

Great question! The US has a total of 11 federal bank holidays each year. These are days when most banks (and many businesses) close to observe national celebrations, historical events, or cultural traditions. While banks aren’t *required* to close on these dates, almost all do—so don’t expect to deposit checks or visit a branch!

The Full List of US Bank Holidays

Here’s the lineup of federal holidays recognized by banks:
– **New Year’s Day** (January 1)
– **Martin Luther King Jr. Day** (3rd Monday in January)
– **Presidents’ Day** (3rd Monday in February)
– **Memorial Day** (Last Monday in May)
– **Juneteenth** (June 19)
– **Independence Day** (July 4)
– **Labor Day** (1st Monday in September)
– **Columbus Day** (2nd Monday in October)
– **Veterans Day** (November 11)
– **Thanksgiving Day** (4th Thursday in November)
– **Christmas Day** (December 25)

Pro tip: If a holiday falls on a weekend, banks typically close on the nearest weekday (e.g., Friday or Monday).

Do All Banks Observe These Holidays?

Most do, but there are exceptions! Online banks and credit unions might offer limited services, and ATMs usually remain available. Smaller community banks sometimes follow state-specific holidays too (like Texas’s “Emancipation Day”). Always check your bank’s website before making urgent plans!

Why Do Bank Holidays Matter?

Beyond scoring a day off, bank holidays affect:
– **Payments:** Direct deposits or checks may be delayed.
– **Stock Markets:** Closed on federal holidays (bye-bye, trading!).
– **Government Services:** Post offices and DMVs shut down.

Fun fact: Some private businesses (like retail stores) stay open but may pay holiday wages.

FAQs About US Bank Holidays

**Q: Are bank holidays the same every year?**
A: Mostly! Dates for MLK Day or Labor Day shift, but fixed-date holidays (like July 4) don’t.

**Q: Do banks close early before holidays?**
A: Sometimes! Call ahead if you’re racing to beat closing time.

**Q: What if I need cash on a bank holiday?**
A: ATMs, mobile apps, and online transfers are your friends.

To sum it up: The US has 11 federal bank holidays, but always double-check your bank’s calendar—especially if you’re planning something time-sensitive. And hey, mark those dates for future picnics, parades, or pajama days!

Thanks for reading, pals! Now you’re a bank-holiday expert. Got more questions? Hit up our website—your Holiday Little Assistant is always here to help.