Are banks open on Martin Luther King Jr. Day?

MLK Day (the third Monday in January) is a Federal Reserve holiday, and nearly all banks close for it. It's one of the days that catches people off guard — retail stores are open, markets for stocks are closed, and the bank branch is dark.

Anything you deposit through the app on the holiday posts on Tuesday's business day. Bill payments scheduled for the holiday generally process the next business day too.

What else on Martin Luther King Jr. Day?

Martin Luther King Jr. Day across the board

Who	Status
Mail & the Post Office	Closed No — there's no mail delivery on Martin Luther King Jr. Day.
The Stock Market	Closed No — the stock market is closed on Martin Luther King Jr. Day.
UPS	Closed No — UPS doesn't pick up or deliver on Martin Luther King Jr. Day.
FedEx	Varies Yes — FedEx delivers on Martin Luther King Jr. Day, but pickups run on a modified schedule.
Federal Offices	Closed No — federal offices are closed on Martin Luther King Jr. Day.
Trash Pickup	Varies Probably — most cities run normal routes on Martin Luther King Jr. Day, though a fair number observe it, so it's worth a look at your city's sanitation page.
Schools	Closed Almost certainly not — nearly every district closes for MLK Day.

Questions people ask

Is the drive-through open on MLK Day?

Almost never — drive-through windows follow the branch's holiday schedule. ATMs stay on.

Checked against the Federal Reserve holiday schedule, verified August 2026. When a schedule for a new year has not been published yet, this page says so — it never guesses.