In the United States, the Federal Reserve, which plays a central role in processing payments between banks, is closed on public holidays. Below, we address how U.S. banking closures may impact the typical payment processing timeline.
[For freelancers outside the U.S., please take note of your local holidays and their impact on your bank's operating hours.]
Holidays falling on a Monday
When a holiday falls on a Monday, there will be a one-day delay in the standard processing timeline, and payments will begin processing on Tuesday morning at the earliest when banking hours resume. These dates are highlighted in teal below.
Holidays falling on a Friday
If a holiday occurs on a Friday, there should be no discernible effect on the standard invoice processing timeline.
Below you will find a list of all Holidays and their observance day in the US.
Holiday | 2024 | 2025 | 2026 |
New Year's Day | Monday, January 1st | Wednesday, January 1st | Thursday, January 1st |
Martin Luther King Jr. Day | Monday, January 15th | Monday, January 20th | Monday, January 19th |
Washington's Birthday (Presidents Day) | Monday, February 19th | Monday, February 17th | Monday, February 16th |
Memorial Day | Monday, May 27th | Monday, May 26th | Monday, May 25th |
Juneteenth | Wednesday, June 19th | Thursday, June 19th | Friday, June 19th |
Independence Day | Thursday, July 4th | Friday, July 4th | Saturday, July 4th* |
Labor Day | Monday, September 2nd | Monday, September 1st | Monday, September 7th |
Indigenous People’s Day | Monday, October 14th | Monday, October 13th | Monday, October 12th |
Veterans Day | Monday, November 11th | Tuesday, November 11th | Wednesday, November 11th |
Thanksgiving Day | Thursday, November 28th | Thursday, November 27th | Thursday, November 26th |
Christmas Day | Wednesday, December 25th | Thursday, December 25th | Friday, December 25th |
*Falls on a Saturday, not observed
**Falls on a Sunday, observed on Monday
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