Federal banking holidays can affect the timing of ACH transfers, including direct deposits and transactions from your Branch wallet. Here’s what to expect and how these holidays might impact your account.
2026 Federal Banking Holidays
New Year’s Day |
Thursday, January 1st |
Martin Luther King, Jr. Day |
Monday, January 19th |
Presidents' Day |
Monday, February 16th |
Memorial Day |
Monday, May 25th |
Juneteenth |
Friday, June 19th |
Independence Day |
Saturday, July 4th |
Labor Day |
Monday, September 7th |
Indigenous Peoples' Day (f.k.a., Columbus Day) |
Monday, October 12th |
Veterans Day |
Wednesday, November 11th |
Thanksgiving Day |
Thursday, November 26th |
Christmas Day |
Friday, December 25th |
- For more information regarding these holidays, visit https://www.frbservices.org/about/holiday-schedules
ACH Delays
ACH credit and direct deposit transactions are processed by the Federal Reserve, which does not operate on federal holidays. This means:
- Transactions scheduled on a federal holiday will process on the next business day.
- Example: If a deposit is scheduled for Memorial Day (Monday, May 25, 2026), it will be processed on Tuesday, May 26, 2026.
- ACH delays can also affect inbound and outbound transfers initiated from or to your Branch wallet.
Important to Note:
- Other banking functions, such as debit card transactions and wallet transfers within Branch, remain active and unaffected by federal holidays.
Holiday Support
Our support team is here for you even on holidays! Reach out to us, and we’ll do our best to assist you promptly.
Branch is not a bank. Banking services are provided by Lead Bank, Member FDIC and Evolve Bank & Trust, Member FDIC, which are Branch’s bank partners. The name of the bank partner for your account is listed on the back of your debit card and can also be found in the Branch App under “Your Account Information”. FDIC insurance only applies to eligible accounts should the bank holding your funds fail. Branch Mastercard Debit Cards are issued by Evolve Bank & Trust or Lead Bank, Member FDIC, as applicable, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.