Are banks open on New Year's Eve?
Banks · New Year's Eve
Open
Yes — banks are open on New Year's Eve.
December 31 is a regular banking day — the Federal Reserve is open and payments settle, which matters for anything you want on the books in the current year. Some branches close early; end-of-year cutoff times are worth checking if you're moving money for tax reasons.
When New Year's Day falls on a Saturday, banks are open that Friday December 31 too — the Fed doesn't move Saturday holidays to Friday.
| Holiday | Date | Status |
|---|---|---|
| New Year's Eve | Thursday, December 31, 2026 | Open Open on New Year's Eve — regular hours at most branches. |
| New Year's Day | Friday, January 1, 2027 | Closed |
| New Year's Eve | Friday, December 31, 2027 | Open Open on New Year's Eve — New Year's Day 2028 falls on Saturday, so there's no Friday bank holiday either. |
What else on New Year's Eve?
| Who | Status |
|---|---|
| Mail & the Post Office | Open Yes — mail is delivered on New Year's Eve and post offices are open. |
| The Stock Market | Open Yes — the stock market is open a full day on New Year's Eve. |
| UPS | Varies It depends on the service — Air deliveries run on New Year's Eve, but Ground doesn't move in either direction. |
| FedEx | Varies Yes — FedEx delivers on New Year's Eve, with Ground pickups modified. |
| Federal Offices | Varies It depends — December 31 is normally a regular workday for federal offices, but in some years it's the observed holiday. |
| Schools | Closed No — December 31 falls inside winter break in nearly every district. |
Questions people ask
Can I still make a same-year deposit on New Year's Eve?
Usually, if you're inside your bank's posting cutoff for the day — mornings are safe, late afternoons are not guaranteed. Ask the branch for the cutoff.
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.