Are Banks Open on New Year's Day?
New Year's Day 2027: Friday, January 1, 2027
No
Banks are closed on New Year's Day.
Banks are closed on Friday, January 1, 2027.
What's open and closed on New Year's Day 2027
| Bank branches | Closed Fri, Jan 1 |
|---|---|
| Federal Reserve, ACH and wires | Closed, transfers wait until the next business day |
| ATMs, mobile and online banking | Open |
| Stock market (NYSE, Nasdaq) | Closed |
| Post office (USPS) | Closed, no mail delivery |
Are banks closed on New Year's Day?
Branches of nearly every bank and credit union are closed, and no ACH transfers or wires settle. Deposits made on the holiday are processed the next business day.
About New Year's Day
New Year's Day falls on January 1 and is one of the eleven Federal Reserve holidays. When January 1 lands on a Sunday, banks close the following Monday instead. When it lands on a Saturday, there is no weekday closure, and banks stay open on Friday, December 31.
Tips
- Move money you need for rent or bills on December 31 or earlier.
- ATMs, mobile check deposit, Zelle and card payments keep working, but transfers post on the next business day.
New Year's Day dates and bank status, 2026–2029
| Year | Date | Banks |
|---|---|---|
| 2026 | Thursday, January 1 | Closed Thu, Jan 1 |
| 2027 | Friday, January 1 | Closed Fri, Jan 1 |
| 2028 | Saturday, January 1 | Open (no weekday closure) |
| 2029 | Monday, January 1 | Closed Mon, Jan 1 |
Frequently asked questions
Are banks open on New Year's Day?
Banks are closed on New Year's Day. Banks are closed on Friday, January 1, 2027.
Are banks closed on New Year's Day 2027?
Banks are closed on Friday, January 1, 2027.
Is the stock market open on New Year's Day?
The NYSE and Nasdaq are closed on New Year's Day 2027.
Is the post office open on New Year's Day?
USPS post offices are closed, no mail delivery on New Year's Day 2027.
Will my direct deposit arrive on New Year's Day?
No ACH payments settle on New Year's Day because the Federal Reserve is closed. Many employers send pay the business day before; otherwise it arrives the next business day.
Next bank holidays
- Veterans DayWed, Nov 11, 2026
- ThanksgivingThu, Nov 26, 2026
- Christmas DayFri, Dec 25, 2026
- New Year's DayFri, Jan 1, 2027