Are Banks Open on Christmas Day 2026?
Federal Reserve Banks are closed on Friday, December 25, 2026, for Christmas Day. FedACH processing pauses, and your bank sets its own branch hours, so check with your bank.
The number of days to Friday, December 25, 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 Day 2026
The Federal Reserve Financial Services holiday schedule lists Christmas Day on December 25, so Federal Reserve Banks are closed on Friday, December 25, 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 Day 2026
| Who | Status | Details |
|---|---|---|
| Federal offices | Closed | OPM lists Friday, December 25, 2026 as the Christmas Day holiday (5 U.S.C. 6103), so federal offices are closed for most federal employees.Source: OPM: Federal Holidays, 5 U.S.C. 6103: Holidays |
| Federal Reserve Banks | Closed | Christmas Day is on the Federal Reserve holiday schedule. 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) | Closed | Christmas Day is on the USPS holiday list: no regular mail delivery.Source: USPS: holidays and events |
| NYSE | Closed | Christmas Day is on NYSE's holiday list.Source: NYSE: holidays and trading hours |
| The bond market (SIFMA recommendation) | Closed | SIFMA recommends a full close.Source: SIFMA: holiday schedule |
The day before Christmas Day
On Thursday, December 24, 2026, Federal Reserve Banks are open and Post Offices (per USPS) are open. NYSE is open but closes early, at 1:00 p.m. ET, and SIFMA recommends that the bond market close early, at 2:00 p.m. ET.
That day is Christmas Eve; the same questions for it are answered on our Christmas Eve pages, linked in the related pages.
Source: Federal Reserve Financial Services: holiday schedules, USPS: holidays and events, NYSE: holidays and trading hours, SIFMA: holiday schedule
What the Federal Reserve lists show for Christmas Day
The Federal Reserve Financial Services schedule lists Christmas Day on December 25 in 2026 and on December 25* in 2027, a Saturday, so Federal Reserve Banks and Branches are open the preceding Friday; the Board's K.8 list shows the same dates and says the Board of Governors is closed on December 24, 2027. The K.8 footnote is quoted below.
* Saturday - the Federal Reserve Banks are open, but the Board of Governors is closed on July 3, 2026, June 18, 2027, December 24, 2027, December 31, 2027, and November 10, 2028.
Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule
Direct deposits and ACH payments on Christmas Day 2026
The FedACH holiday table's Christmas Day row says processing ends Dec. 24, 2026, 11:30 p.m. ET and resumes Dec. 27, 2026, 5:30 p.m. ET*.
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 Day 2027
Christmas Day 2027 falls on Saturday, December 25, 2027.
OPM lists Friday, December 24, 2027 as the federal holiday observance, so federal offices are closed on that Friday (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 Day 2026?
- Is the Stock Market Open on Christmas Day 2026?
- Are Banks Open on Christmas Eve 2026?
- Federal Reserve Bank holiday checker
- 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 Christmas Eve 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?
- Are Banks Open on Thanksgiving 2026?
Questions
Are Banks Open on Christmas Day 2026?
Federal Reserve Banks are closed on Friday, December 25, 2026, for Christmas Day. FedACH processing pauses, and your bank sets its own branch hours, so check with your bank.
Is Christmas a bank holiday?
For Federal Reserve Banks, yes: they are closed on Friday, December 25, 2026. Your bank sets its own branch hours, so check with your bank.
Do direct deposits and ACH payments move on Christmas Day 2026?
The FedACH holiday table's Christmas Day row says processing ends Dec. 24, 2026, 11:30 p.m. ET and resumes Dec. 27, 2026, 5:30 p.m. ET. 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 Day 2027?
Christmas Day 2027 falls on Saturday, December 25, 2027. OPM lists Friday, December 24, 2027 as the federal holiday observance, so federal offices are closed on that Friday (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 Day 2026?
Closed: per USPS, Post Offices are closed on Friday, December 25, 2026. The Post Office page has the USPS wording on mail delivery.
Is the stock market open on Christmas Day 2026?
NYSE is closed on Friday, December 25, 2026. The stock market page has the SIFMA bond market status.