2028 ACH holiday schedule
Days when Federal Reserve Banks are closed and ACH does not process. 9 non-processing days in 2028.
| Holiday | Reserve Banks closed | Note |
|---|---|---|
| Birthday of Martin Luther King, Jr. | Monday, January 17, 2028 | — |
| Washington's Birthday | Monday, February 21, 2028 | — |
| Memorial Day | Monday, May 29, 2028 | — |
| Juneteenth National Independence Day | Monday, June 19, 2028 | — |
| Independence Day | Tuesday, July 4, 2028 | — |
| Labor Day | Monday, September 4, 2028 | — |
| Columbus Day | Monday, October 9, 2028 | — |
| Thanksgiving Day | Thursday, November 23, 2028 | — |
| Christmas Day | Monday, December 25, 2028 | — |
Saturday holidays in 2028
- New Year's Day falls on Saturday, January 1. Reserve Banks stay open on Friday, December 31, and ACH processes normally.
- Veterans Day falls on Saturday, November 11. Reserve Banks stay open on Friday, November 10, and ACH processes normally.
How these dates are derived
Fixed-date holidays falling on a Saturday do not close Reserve Banks; the preceding Friday is a normal banking day. Fixed-date holidays falling on a Sunday move the closure to the following Monday. Holidays defined as the Nth weekday of a month always fall on a weekday, so no shift applies to Martin Luther King Jr. Day, Washington's Birthday, Memorial Day, Labor Day, Columbus Day, or Thanksgiving.