Are Banks Open on Christmas Eve 2026?
Federal Reserve Banks are open on Thursday, December 24, 2026: the Federal Reserve holiday schedule lists no closure that day. Your bank sets its own branch hours, so check with your bank.
The number of days to Thursday, December 24, 2026 appears here once the page loads in your browser.
Maintained by Archie Chang · Dates and sources checked November 1, 2026 · Methodology & sources
The answer for Christmas Eve 2026
The Federal Reserve holiday schedule does not list Christmas Eve. It lists Christmas Day on Friday, December 25, 2026, so Federal Reserve Banks are open on Thursday, December 24, 2026.
The Federal Reserve's FedACH table, in its Christmas Day row, says processing ends Dec. 24, 2026, 11:30 p.m. ET and resumes Dec. 27, 2026, 5:30 p.m. ET*. Its footnote is quoted below.
Your bank sets its own branch hours, so check with your bank.
*Third file delivery begins at 8:15 p.m. ET
Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule
What else is open on Christmas Eve 2026
| Who | Status | Details |
|---|---|---|
| Federal offices | Open | Christmas Eve is not one of the legal public holidays in 5 U.S.C. 6103(a), so federal offices are open unless the President closes agencies by executive order. When we checked the Federal Register on October 25, 2026, we found no 2026 order closing agencies on Thursday, December 24, 2026.Source: 5 U.S.C. 6103: Holidays, OPM: Federal Holidays, Federal Register: executive orders closing agencies (search) |
| Federal Reserve Banks | Open | The Federal Reserve holiday schedule lists no closure on Thursday, December 24, 2026. Your bank sets its own branch hours, so check with your bank.Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule |
| Post Offices (per USPS) | Open | The date is not on the USPS 2026 holiday list, so regular delivery runs. Hours vary by location.Source: USPS: holidays and events |
| NYSE | Early close | Open with an early close at 1:00 p.m. ET; NYSE lists eligible options closing at 1:15 p.m. ET.Source: NYSE: holidays and trading hours |
| The bond market (SIFMA recommendation) | Early close | SIFMA recommends an early close at 2:00 p.m. ET.Source: SIFMA: holiday schedule |
Could an executive order change Christmas Eve 2026?
When we checked the Federal Register on October 25, 2026, we found no 2026 executive order closing executive agencies on Thursday, December 24, 2026. Orders closing executive agencies on December 24 include those for 2007, 2009 (half day), 2012, 2015 (half day), 2018, 2019, 2020, 2024 and 2025; this list is not a complete history.
An order covers executive departments and agencies, so it decides whether federal employees get the day off. Executive Order 14371 (2025) closed executive departments and agencies and excused employees from duty on Wednesday, December 24 and Friday, December 26, 2025 (section 1), and let agency heads keep offices open for national security, defense or other public need (section 2). The Federal Reserve, USPS and NYSE publish their own holiday calendars, which are shown on this page.
Source: Federal Register: executive orders closing agencies (search), Federal Register 2025-23847, 5 U.S.C. 6103: Holidays
Direct deposits and ACH payments on Christmas Eve 2026
The FedACH holiday table does not list Christmas Eve as a holiday. Its Christmas Day row says processing ends Dec. 24, 2026, 11:30 p.m. ET and resumes Dec. 27, 2026, 5:30 p.m. ET*, so FedACH processing ends at 11:30 p.m. ET on Christmas Eve.
The Federal Reserve's footnote to the "Processing Resumes" column is quoted below.
The Federal Reserve schedule does not say when a particular paycheck or deposit is credited, and neither does this page, so ask your employer or your bank about a specific payment.
*Third file delivery begins at 8:15 p.m. ET
Source: Federal Reserve Financial Services: holiday schedules
Christmas Eve 2027
Christmas Eve 2027 falls on Friday, December 24, 2027.
Christmas Day, December 25, 2027, falls on a Saturday, so OPM lists Friday, December 24, 2027 as the federal holiday and federal offices are closed that day (5 U.S.C. 6103).
Christmas Day falls on Saturday, December 25; Federal Reserve Banks are open that Friday.
Source: OPM: Federal Holidays, Federal Reserve Financial Services: holiday schedules, USPS: holidays and events, NYSE: holidays and trading hours, SIFMA: holiday schedule
Related pages
- Is the Post Office Open on Christmas Eve 2026?
- Is the Stock Market Open on Christmas Eve 2026?
- Federal Reserve Bank holiday checker
- Is Christmas Eve a federal holiday?
- Federal Reserve Bank holidays 2026
- Federal holidays 2026
- Federal holiday checker
The same question for other holidays
- Are Banks Open on Veterans Day 2026?
- Are Banks Open on Black Friday 2026?
- Are Banks Open on MLK Day 2027?
- Are Banks Open on Presidents Day 2027?
- Are Banks Open on Good Friday 2027?
- Are Banks Open on Memorial Day 2027?
- Are Banks Open on Juneteenth 2027?
- Are Banks Open on Labor Day 2027?
- Are Banks Open on Columbus Day 2027?
- Are Banks Open on New Year's Eve 2026?
- Are Banks Open on New Year's Day 2027?
Questions
Are Banks Open on Christmas Eve 2026?
Federal Reserve Banks are open on Thursday, December 24, 2026: the Federal Reserve holiday schedule lists no closure that day. Your bank sets its own branch hours, so check with your bank.
Is Christmas Eve a Federal Reserve Bank holiday?
No. The Federal Reserve holiday schedule does not list Christmas Eve, so Federal Reserve Banks are open on Thursday, December 24, 2026. Your bank sets its own branch hours, so check with your bank.
Do direct deposits and ACH payments move on Christmas Eve 2026?
The FedACH holiday table does not list Christmas Eve as a holiday. Its Christmas Day row says processing ends Dec. 24, 2026, 11:30 p.m. ET and resumes Dec. 27, 2026, 5:30 p.m. ET, so FedACH processing ends at 11:30 p.m. ET on Christmas Eve. The Federal Reserve's footnote to the "Processing Resumes" column reads: “*Third file delivery begins at 8:15 p.m. ET”. The Federal Reserve schedule does not say when a particular paycheck or deposit is credited, and neither does this page, so ask your employer or your bank about a specific payment.
Are banks open on Christmas Eve 2027?
Christmas Eve 2027 falls on Friday, December 24, 2027. Christmas Day, December 25, 2027, falls on a Saturday, so OPM lists Friday, December 24, 2027 as the federal holiday and federal offices are closed that day (5 U.S.C. 6103). Christmas Day falls on Saturday, December 25; Federal Reserve Banks are open that Friday.
Is the Post Office open on Christmas Eve 2026?
Open: per USPS, Post Offices are open on Thursday, December 24, 2026. The Post Office page has the USPS wording on mail delivery.
Is the stock market open on Christmas Eve 2026?
NYSE closes early, at 1:00 p.m. ET on Thursday, December 24, 2026. The stock market page has the SIFMA bond market status.
Sources: OPM: Federal Holidays · 5 U.S.C. 6103: Holidays · Federal Reserve Financial Services: holiday schedules · Federal Reserve Board: holiday schedule · USPS: holidays and events · NYSE: holidays and trading hours · SIFMA: holiday schedule · Federal Register: executive orders closing agencies (search)