The United States observes several federal holidays throughout the year. On these dates, some banks, financial institutions, and payment services may be closed or experience delays in processing transactions.
These are the main U.S. federal holidays:
Holiday | Date |
New Year's Day | January 1 |
Martin Luther King Jr. Day | Third Monday in January |
Washington's Birthday (Presidents' Day) | Third Monday in February |
Memorial Day | Last Monday in May |
Juneteenth National Independence Day | June 19 |
Independence Day | July 4 |
Labor Day | First Monday in September |
Columbus Day | Second Monday in October |
Veterans Day | November 11 |
Thanksgiving Day | Fourth Thursday in November |
Christmas Day | December 25 |
How can these holidays affect my account?
During U.S. federal holidays:
ACH bank transfers are generally not processed.
Direct deposits may be delayed until the next business day.
Some transfers or transactions may take longer than usual to complete.
If you initiate a transaction during a holiday or weekend, it may not begin processing until the next business day.
Important: Transfers between Común accounts and some card transactions may continue to work normally. However, processing times for transactions involving external financial institutions depend on those institutions' operating schedules.
What happens if a holiday falls on a weekend?
When a federal holiday falls on a Saturday or Sunday, it is typically observed as follows:
If the holiday falls on a Saturday, it is usually observed on the preceding Friday.
If the holiday falls on a Sunday, it is usually observed on the following Monday.
This means banks and other financial institutions may be closed on the observed holiday, even if the actual holiday falls on a weekend.