Closed on Thursday, Jan 1
Thursday, January 1, 2026.
Branches close and the Federal Reserve does not process check clearing, ACH or wire transfers, so deposits made on the holiday post the next business day. ATMs and online banking still work.
Some branches, such as those inside grocery stores, keep their own hours. Check your branch before you go.
Is the post office open on New Year's Day 2026?
Rule and dates: Federal Reserve Financial Services holiday schedule. Last verified October 28, 2026.