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Are banks open on Christmas 2027? Mostly yes, Fed Banks open Friday, December 24

Mostly yes: Federal Reserve Banks are open on Friday, December 24, 2027, even though Christmas (Saturday, December 25, 2027) is a federal holiday, because it falls on a Saturday.

Updated Source: Federal Reserve Board, Holidays Observed (K.8)
The 5-second answer

Mostly yes: Federal Reserve Banks are open on Friday, December 24, 2027, even though Christmas (Saturday, December 25, 2027) is a federal holiday, because it falls on a Saturday.

By TrendPulse Newsroom · Published · Updated Nov 1, 2026, 8:00 AM EST · How we report

3 min read2 sources cited

Updated (ET)

Mostly yes: Federal Reserve Banks are open on Friday, December 24, 2027, even though Christmas (Saturday, December 25, 2027) is a federal holiday, because it falls on a Saturday. Branch hours are set by each bank, so check yours.

The Federal Reserve lists Christmas Day 2027 as Saturday, December 25, 2027. Its K.8 note says that when a holiday falls on a Saturday, the Federal Reserve Banks are open but the Board of Governors is closed on Friday, December 24, 2027.

Individual banks and credit unions set their own branch hours , so check yours; the Fed calendar governs when payments settle. Because the Fed is open, ACH and wire payments settle as usual.

Christmas 2027 at a glance — Source: Federal Reserve K.8 / OPM
Item2027Source
Holiday dateSaturday, December 25, 2027OPM
Federal (OPM) day offFriday, December 24, 2027OPM
Federal Reserve BanksOpen Friday, December 24, 2027; no Saturday closureFederal Reserve K.8
Federal Reserve BoardClosed Friday, December 24, 2027Federal Reserve K.8
Fed-settled payments due that daySettle as usual on FridayFederal Reserve K.8
Next federal holidayNew Year's Day 2028: observed Friday, December 31, 2027 (Fed Banks open)OPM

FAQ

Is Christmas a bank holiday in 2027?

It is a federal holiday, but the Federal Reserve Banks stay open on Friday, December 24, 2027 because the date is a Saturday. (Source)

What day is Christmas 2027?

Saturday, December 25, 2027; the federal day off is Friday, December 24, 2027. (Source)

Will direct deposit arrive on Christmas 2027?

Yes, Fed settlement runs normally that Friday. (Source)

Do ATMs and online banking work on Christmas?

Yes. Only transfers that need Federal Reserve settlement wait for the next business day. (Source)

What is the next bank holiday in 2027?

New Year's Day 2028 falls on a Saturday, so Fed Banks are open Friday, December 31, 2027. (Source)

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