2027 ACH holiday schedule
Days when Federal Reserve Banks are closed and ACH does not process. 9 non-processing days in 2027.
| Holiday | Reserve Banks closed | Note |
|---|---|---|
| New Year's Day | Friday, January 1, 2027 | — |
| Birthday of Martin Luther King, Jr. | Monday, January 18, 2027 | — |
| Washington's Birthday | Monday, February 15, 2027 | — |
| Memorial Day | Monday, May 31, 2027 | — |
| Independence Day | Monday, July 5, 2027 | Observed. Actual holiday falls on a Sunday |
| Labor Day | Monday, September 6, 2027 | — |
| Columbus Day | Monday, October 11, 2027 | — |
| Veterans Day | Thursday, November 11, 2027 | — |
| Thanksgiving Day | Thursday, November 25, 2027 | — |
Saturday holidays in 2027
- Juneteenth falls on Saturday, June 19. Reserve Banks stay open on Friday, June 18, and ACH processes normally.
- Christmas Day falls on Saturday, December 25. Reserve Banks stay open on Friday, December 24, and ACH processes normally.
How these dates are derived
Fixed-date holidays falling on a Saturday do not close Reserve Banks; the preceding Friday is a normal banking day. Fixed-date holidays falling on a Sunday move the closure to the following Monday. Holidays defined as the Nth weekday of a month always fall on a weekday, so no shift applies to Martin Luther King Jr. Day, Washington's Birthday, Memorial Day, Labor Day, Columbus Day, or Thanksgiving.