Are Banks Open on New Year's Day 2027?

Federal Reserve Banks are closed on Friday, January 1, 2027, for New Year's Day. Your bank sets its own branch hours, so check with your bank.

The number of days to Friday, January 1, 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 New Year's Day 2027

The Federal Reserve Financial Services holiday schedule lists New Year's Day on January 1, so Federal Reserve Banks are closed on Friday, January 1, 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 New Year's Day 2027

What is open and closed on New Year's Day 2027
WhoStatusDetails
Federal officesClosedOPM lists Friday, January 1, 2027 as the New Year's 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 BanksClosedNew Year's 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)ClosedNew Year's Day is on the USPS holiday list: no regular mail delivery.Source: USPS: holidays and events
NYSEClosedNew Year's 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 New Year's Day

The Federal Reserve Financial Services schedule lists New Year's Day on January 1 in 2026 and January 1 in 2027, and the Board's K.8 list shows the same dates.

For the 2026 holiday, the FedACH table shows processing ends Dec. 31, 2025, 11:30 p.m. ET and resumes Jan. 1, 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 New Year's 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 Friday, January 1, 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

New Year's Day 2028

New Year's Day 2028 falls on Saturday, January 1, 2028.

When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed New Year's Day 2028 as January 1* (a Saturday), and its footnote says Federal Reserve Banks and Branches are open the preceding Friday, December 31, 2027.

Source: Federal Reserve Board: holiday schedule, NYSE Group: 2026, 2027 and 2028 holiday calendar (Dec. 23, 2025), USPS: holidays and events, SIFMA: holiday schedule

Related pages

The same question for other holidays

Questions

Are Banks Open on New Year's Day 2027?

Federal Reserve Banks are closed on Friday, January 1, 2027, for New Year's Day. Your bank sets its own branch hours, so check with your bank.

Is New Year's Day a bank holiday?

For Federal Reserve Banks, yes: they are closed on Friday, January 1, 2027. Your bank sets its own branch hours, so check with your bank.

Do direct deposits and ACH payments move on New Year's 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 Friday, January 1, 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 New Year's Day 2028?

New Year's Day 2028 falls on Saturday, January 1, 2028. When we checked on November 1, 2026, the Federal Reserve Board's K.8 schedule listed New Year's Day 2028 as January 1* (a Saturday), and its footnote says Federal Reserve Banks and Branches are open the preceding Friday, December 31, 2027.

Is the Post Office open on New Year's Day 2027?

Closed: per USPS, Post Offices are closed on Friday, January 1, 2027. The Post Office page has the USPS wording on mail delivery.

Is the stock market open on New Year's Day 2027?

NYSE is closed on Friday, January 1, 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)