Direct deposit and cutoffs
Bank holidays in 2026 and 2027
Pick a date and a number of business days. The calculator skips weekends and bank holidays, the way banks count deposit and transfer dates.
Count business days the way banks do (2026)
2 business days after
Monday, November 30, 2026
| Start | Wednesday, November 25, 2026 |
| Start is a business day | yes |
Weekends and the Federal Reserve holidays of 12 CFR 229.2(g) are skipped, and June 19 too.
Banks count deposit availability, transfer settlement and cutoffs in business days, and a business day is any day except a Saturday, a Sunday or a federal holiday listed in Regulation CC (12 CFR 229.2(g)). The list has ten holidays: New Year’s Day, the birthday of Martin Luther King Jr., Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day. When New Year’s Day, Independence Day, Veterans Day or Christmas Day falls on a Sunday, the following Monday is not a business day either; a holiday on a Saturday does not move to Friday, and Friday stays a business day. Juneteenth, June 19, became a federal holiday in 2021 but is not in the regulation’s list; the Federal Reserve and most banks close, and this site counts it as a holiday by default. A holiday adds a day to every date counted after it: a check deposited the day before Thanksgiving with a two-business-day schedule is due on the Monday after, not on the Friday. In 2027, Independence Day falls on a Sunday, so Monday July 5 is a bank holiday, and Christmas Day and New Year’s Day 2028 fall on Saturdays. Dates computed from the regulation on October 27, 2026.
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Bank holidays in 2026
| Holiday | Date | Counts as a business day? |
|---|---|---|
| New Year’s Day | Thursday, January 1, 2026 | no |
| Birthday of Martin Luther King, Jr. | Monday, January 19, 2026 | no |
| Washington’s Birthday | Monday, February 16, 2026 | no |
| Memorial Day | Monday, May 25, 2026 | no |
| Juneteenth | Friday, June 19, 2026 | not in Regulation CC’s list; most banks close |
| Independence Day | Saturday, July 4, 2026 | no |
| Labor Day | Monday, September 7, 2026 | no |
| Columbus Day | Monday, October 12, 2026 | no |
| Veterans Day | Wednesday, November 11, 2026 | no |
| Thanksgiving Day | Thursday, November 26, 2026 | no |
| Christmas Day | Friday, December 25, 2026 | no |
No holiday falls on a Sunday in 2026, so no Monday is added. Independence Day, July 4, is a Saturday: the Friday before stays a business day for banks, even though federal offices close.
Bank holidays in 2027
| Holiday | Date | Counts as a business day? |
|---|---|---|
| New Year’s Day | Friday, January 1, 2027 | no |
| Birthday of Martin Luther King, Jr. | Monday, January 18, 2027 | no |
| Washington’s Birthday | Monday, February 15, 2027 | no |
| Memorial Day | Monday, May 31, 2027 | no |
| Juneteenth | Saturday, June 19, 2027 | not in Regulation CC’s list; most banks close |
| Independence Day | Monday, July 5, 2027 | no (Sunday holiday, Monday off) |
| Labor Day | Monday, September 6, 2027 | no |
| Columbus Day | Monday, October 11, 2027 | no |
| Veterans Day | Thursday, November 11, 2027 | no |
| Thanksgiving Day | Thursday, November 25, 2027 | no |
| Christmas Day | Saturday, December 25, 2027 | no |
In 2027, Independence Day is a Sunday, which makes Monday July 5 a non-business day. Christmas Day, on a Saturday, does not move.
How a holiday changes a deposit date
Every date in the availability schedule of Regulation CC is counted in business days from the day of deposit (§ 229.12). A deposit made on a holiday, in the app or at an ATM, counts as received on the next business day (§ 229.19). The calculator below applies both rules to a check: set a date near a holiday to see the delay.
All of it available by
Thursday, October 29, 2026
Counted as deposited on Tuesday, October 27, 2026. Funds open from 9:00 a.m. local time that day at the latest.
| $275 | Wed, Oct 28 | First $275 of the day’s check deposits: next business day (§ 229.10(c)(1)(vii)) |
| $1,225 | Thu, Oct 29 | Rest of the check: second business day (local check) (§ 229.12(b)) |
To take it out as cash, the bank may wait until Fri, Oct 30, except $550 by 5:00 p.m. on the day above (§ 229.12(d)).
- Regulation CC was written for paper deposits: a mobile deposit is treated here as a deposit not made in person. Your bank’s mobile deposit terms say how it applies the schedule to the app.
These are the latest dates the regulation allows. Many banks release funds sooner; your deposit receipt or the bank’s availability policy shows its own schedule.
Everything you enter stays in this browser: nothing is sent or stored.
Long weekends
Five of the holidays are Mondays: Martin Luther King Jr. Day, Washington’s Birthday, Memorial Day, Labor Day and Columbus Day. A check deposited on the Friday before after the cutoff counts as received on Tuesday, which can push the second business day to Thursday. A rent payment sent by ACH on Friday afternoon may not settle until Tuesday. Planning payments two business days ahead of a long weekend avoids late fees.
What stays open
Holidays stop the settlement of checks, ACH and wires, not the apps. Card payments still work, ATMs still dispense cash within your daily limit, and transfers between your own accounts at one bank are often immediate. Zelle payments usually arrive within minutes. What waits is anything that needs the Federal Reserve’s systems, which close on the same holidays.