Are Banks Open on Memorial Day 2026?
No — banks are closed on Memorial Day.
Memorial Day 2026: Monday, May 25, 2026
Memorial Day is a federal holiday on the last Monday of May. Banks are closed and most ACH transfers are delayed to the next business day.
Direct deposit & payroll on Memorial Day
The Federal Reserve and the ACH network are closed, so transfers do not process on Memorial 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 Memorial Day?
All major U.S. banks follow the Federal Reserve calendar, so their branch status on Memorial Day is the same:
ATMs and online banking are available 24/7 at every bank, including holidays.
Memorial Day Banking FAQ
Are banks open on Memorial Day 2026?
No. Memorial Day is observed on Monday, May 25, 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 Memorial Day?
The U.S. Postal Service and the Federal Reserve are closed on Memorial Day, and the stock market (NYSE and Nasdaq) is closed. Most retail stores remain open.
Will my direct deposit arrive on Memorial Day?
Direct deposits do not post on Memorial Day because banks cannot process ACH transfers. A deposit scheduled for the holiday typically lands on the previous business day.
Are ATMs available on Memorial Day?
Yes. ATMs, debit cards, online banking, and mobile check deposit all work normally on Memorial Day, even though branches are closed.