Are Banks Open on Martin Luther King Jr. Day 2026?
No — banks are closed on Martin Luther King Jr. Day.
Martin Luther King Jr. Day 2026: Monday, January 19, 2026
Martin Luther King Jr. Day is a federal holiday on the third Monday of January. Banks, the Federal Reserve, and most credit unions are closed.
Direct deposit & payroll on Martin Luther King Jr. Day
The Federal Reserve and the ACH network are closed, so transfers do not process on Martin Luther King Jr. Day. A direct deposit scheduled for this day usually arrives the previous business day. Submitting payroll? Send it one business day early. See the paycheck early calendar.
Is Each Bank Open on Martin Luther King Jr. Day?
All major U.S. banks follow the Federal Reserve calendar, so their branch status on Martin Luther King Jr. Day is the same:
ATMs and online banking are available 24/7 at every bank, including holidays.
Martin Luther King Jr. Day Banking FAQ
Are banks open on Martin Luther King Jr. Day 2026?
No. Martin Luther King Jr. Day is observed on Monday, January 19, 2026, a Federal Reserve holiday, so bank branches are closed. ATMs, online banking, and mobile apps stay available 24/7.
Is the post office and stock market open on Martin Luther King Jr. Day?
The U.S. Postal Service and the Federal Reserve are closed on Martin Luther King Jr. Day, and the stock market (NYSE and Nasdaq) is closed. Most retail stores remain open.
Will my direct deposit arrive on Martin Luther King Jr. Day?
Direct deposits do not post on Martin Luther King Jr. Day because banks cannot process ACH transfers. A deposit scheduled for the holiday typically lands on the previous business day.
Are ATMs available on Martin Luther King Jr. Day?
Yes. ATMs, debit cards, online banking, and mobile check deposit all work normally on Martin Luther King Jr. Day, even though branches are closed.