Are Banks Open on MLK Day 2027?

Federal Reserve Banks are closed on Monday, January 18, 2027, for Martin Luther King Jr. Day. Your bank sets its own branch hours, so check with your bank.

The number of days to Monday, January 18, 2027 appears here once the page loads in your browser.

Maintained by Archie Chang · Dates and sources checked November 1, 2026 · Methodology & sources

Not an official source. FedRateCalc is independent and is not affiliated with the Federal Reserve, USPS, NYSE, SIFMA, OPM or any bank. The Federal Reserve schedule lists Reserve Bank holidays only: your bank and your Post Office set their own hours.

The answer for MLK Day 2027

The Federal Reserve Financial Services holiday schedule lists Martin Luther King Jr. Day on January 18, so Federal Reserve Banks are closed on Monday, January 18, 2027.

Your bank sets its own branch hours, so check with your bank.

Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule

What else is open on MLK Day 2027

What is open and closed on MLK Day 2027
WhoStatusDetails
Federal officesClosedOPM lists Monday, January 18, 2027 as the Birthday of Martin Luther King, Jr. 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 BanksClosedMartin Luther King Jr. 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)ClosedMartin Luther King, Jr. Day is on the USPS holiday list: no regular mail delivery.Source: USPS: holidays and events
NYSEClosedMartin Luther King Jr. Day is on NYSE's holiday list.Source: NYSE: holidays and trading hours
The bond market (SIFMA recommendation)ClosedSIFMA recommends a full close.Source: SIFMA: holiday schedule

What the Federal Reserve lists show for MLK Day

The Federal Reserve Financial Services schedule lists Martin Luther King Jr. Day on January 19 in 2026 and January 18 in 2027, and the Board's K.8 list shows the same dates.

For the 2026 holiday, the FedACH table shows processing ends Jan. 17, 2026, 3 a.m. ET and resumes Jan. 19, 2026, 5:30 p.m. ET*. That is the 2026 pattern for this holiday, not a 2027 schedule: the FedACH table we read listed 2026 only.

The Federal Reserve's footnote to the "Processing Resumes" column is quoted below.

*Third file delivery begins at 8:15 p.m. ET
Federal Reserve Financial Services, Holiday Schedules (footnote to the FedACH table)

Source: Federal Reserve Financial Services: holiday schedules, Federal Reserve Board: holiday schedule

Direct deposits and ACH payments on MLK Day 2027

When we checked on November 1, 2026, the Federal Reserve's FedACH holiday table listed 2026 only, so this page shows no FedACH times for Monday, January 18, 2027.

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.

Source: Federal Reserve Financial Services: holiday schedules

MLK Day 2028

MLK Day 2028 falls on Monday, January 17, 2028.

When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed MLK Day 2028 on January 17, 2028; the 5 U.S.C. 6103 holiday rule gives the same date (a computation).

Source: 5 U.S.C. 6103: Holidays, NYSE Group: 2026, 2027 and 2028 holiday calendar (Dec. 23, 2025), Federal Reserve Board: holiday schedule

Related pages

The same question for other holidays

Questions

Are Banks Open on MLK Day 2027?

Federal Reserve Banks are closed on Monday, January 18, 2027, for Martin Luther King Jr. Day. Your bank sets its own branch hours, so check with your bank.

Is MLK Day a bank holiday?

For Federal Reserve Banks, yes: they are closed on Monday, January 18, 2027. Your bank sets its own branch hours, so check with your bank.

Do direct deposits and ACH payments move on MLK Day 2027?

When we checked on November 1, 2026, the Federal Reserve's FedACH holiday table listed 2026 only, so this page shows no FedACH times for Monday, January 18, 2027. 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 MLK Day 2028?

MLK Day 2028 falls on Monday, January 17, 2028. When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed MLK Day 2028 on January 17, 2028; the 5 U.S.C. 6103 holiday rule gives the same date (a computation).

Is the Post Office open on MLK Day 2027?

Closed: per USPS, Post Offices are closed on Monday, January 18, 2027. The Post Office page has the USPS wording on mail delivery.

Is the stock market open on MLK Day 2027?

NYSE is closed on Monday, January 18, 2027. 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 · NYSE Group: 2026, 2027 and 2028 holiday calendar (Dec. 23, 2025)