Industry Guidance
2026 Public Holidays on Which Banks May Be Closed
The following days in the year 2026 are legal holiday observances on which all banking institutions may be closed in accordance with the provisions of the General Construction Law in effect on the date hereof.
| NEW YEAR’S DAY | January 1 | Thursday |
| DR. MARTIN LUTHER KING, JR. DAY | January 19 | Monday |
| LINCOLN’S BIRTHDAY | February 12* | Thursday |
| WASHINGTON’S BIRTHDAY (Presidents’ Day) | February 16 | Monday |
| MEMORIAL DAY | May 25 | Monday |
| JUNETEENTH | June 19 | Friday |
| INDEPENDENCE DAY | July 4 | Saturday |
| LABOR DAY | September 7 | Monday |
| COLUMBUS DAY/INDIGENOUS PEOPLE’S DAY | October 12 | Monday |
| ELECTION DAY | November 3* | Tuesday |
| VETERANS’ DAY | November 11 | Wednesday |
| THANKSGIVING DAY | November 26 | Thursday |
| CHRISTMAS DAY | December 25 | Friday |
*Lincoln’s Birthday and Election Day are not holidays on which the New York State Department of Financial Services or the Federal Reserve Bank of New York are closed.