US Bank Holidays 2023: Dates And Observances

Hey everyone! Let's talk about something super important for planning your year: US bank holidays in 2023. Knowing these dates can save you a ton of hassle, whether you're trying to deposit a check, wire some funds, or just avoid a closed door when you really need a bank. We've got you covered with a full rundown of all the federal holidays when banks typically close their doors in the United States for 2023. So grab a coffee, settle in, and let's break down when you can expect those banking breaks.

January 2023: Kicking Off the Year with a Bang

We're starting off 2023 strong with a couple of significant holidays. First up, New Year's Day, which falls on Sunday, January 1st. Now, here's the important bit, guys: when a federal holiday lands on a weekend, the observance typically moves to the nearest weekday. So, for New Year's Day in 2023, banks will be closed on Monday, January 2nd. This is your first official banking break of the year, so make sure you've handled any urgent transactions before the weekend or on Friday, December 30th, 2022. The second major holiday in January is Martin Luther King, Jr. Day. This day honors the pivotal civil rights leader and is always observed on the third Monday of January. For 2023, that date is Monday, January 16th. This is a fantastic opportunity to reflect on Dr. King's legacy and the progress we've made, while also remembering that most banks will be shut down. Plan accordingly, folks!

February 2023: A Short Month, But Still a Holiday

February might be the shortest month, but it still packs a punch with a federal holiday. We're talking about Washington's Birthday, also commonly known as Presidents' Day. This holiday is dedicated to celebrating all U.S. presidents, past and present, and is observed on the third Monday of February. In 2023, Presidents' Day falls on Monday, February 20th. So, if you've got any banking business to attend to, make sure you get it done before or after this Monday. It's a great time to remember the historical figures who shaped our nation, and for many, it means a nice long weekend to relax or explore. Just remember your bank's doors will be closed!

March 2023: A Quiet Month for Banking Breaks

Good news for those of you who need to get things done at the bank – March 2023 is a month without any federal bank holidays. That's right, you can expect all banking services to be available as usual throughout the entire month. So, whether you need to make a deposit, withdraw cash, or discuss a loan, you won't have to worry about a holiday closure. This can be a great time to tackle any financial tasks you might have been putting off, knowing that the bank will be open. Enjoy the full banking access, and use this time wisely to keep your finances in check. Sometimes, having a clear month with no interruptions is just what we need to stay on top of things!

April 2023: No Federal Holidays, Just Business as Usual

Similar to March, April 2023 also skips out on any federal bank holidays. This means you can operate with a full banking schedule all month long. No need to stress about planning around closures, just head to your bank whenever you need to. This consistency can be really helpful for managing regular financial activities, like paying bills or making transfers. So, make the most of April by ensuring all your banking needs are met without any holiday interruptions. It's a solid stretch of open banking days, which is always a plus in our book!

May 2023: Memorializing and Banking

May kicks off with a very important and somber holiday: Memorial Day. This federal holiday is observed on the last Monday of May and honors the men and women who died while serving in the U.S. military. In 2023, Memorial Day falls on Monday, May 29th. Banks will be closed on this day, so be sure to plan your financial errands accordingly. It's a day of remembrance and reflection, and for many, it also marks the unofficial start of summer. While you're enjoying the long weekend and paying respects, remember to get your banking done before or after the holiday.

June 2023: A New Holiday Joins the Roster

June 2023 brings a relatively new federal holiday that impacts bank closures: Juneteenth National Independence Day. Celebrated on June 19th, this holiday commemorates the emancipation of enslaved African Americans. In 2023, Juneteenth falls on Monday, June 19th. So, banks will be closed on this day. It's a crucial day for our nation's history and a time to celebrate freedom and equality. Make sure you mark your calendars and handle any necessary banking tasks before or after this important observance.

July 2023: Independence Day Festivities

July is a big month, and it features one of the most widely celebrated holidays in the US: Independence Day, or the Fourth of July. This federal holiday commemorates the adoption of the Declaration of Independence. In 2023, Independence Day falls on Tuesday, July 4th. As expected, banks will be closed on this Tuesday. Whether you're planning a barbecue, watching fireworks, or just enjoying the day off, make sure your banking needs are met before Tuesday. It’s a patriotic day filled with festivities, and it's a great reminder to get your finances in order before the holiday break.

August 2023: Another Month Without Bank Holidays

Just like March and April, August 2023 offers a full month of banking accessibility with no federal holidays to worry about. This can be a welcome breather for your financial planning, allowing for uninterrupted transactions. If you have any financial tasks that require a visit to the bank, August is wide open. Take advantage of this period to manage your accounts, process payments, or make any necessary inquiries without the constraint of holiday closures. It’s a solid, uninterrupted banking month for everyone!

September 2023: Labor Day Kicks Off Fall

September brings us the first federal holiday of the fall season: Labor Day. Celebrated on the first Monday of September, this holiday is dedicated to the social and economic achievements of American workers. In 2023, Labor Day falls on Monday, September 4th. Consequently, banks will be closed on this day. It's a great time to relax, enjoy the end of summer, and perhaps attend a local parade or picnic. Just remember that your bank will be closed, so plan your financial activities for the days surrounding the holiday.

October 2023: Columbus Day

October brings us Columbus Day, a federal holiday observed on the second Monday of October. This holiday traditionally commemorates the anniversary of Christopher Columbus's arrival in the Americas in 1492. In 2023, Columbus Day falls on Monday, October 9th. Banks will be closed on this date. While the holiday's observance and historical significance are subjects of ongoing discussion, it remains a federal holiday with associated bank closures. Make sure you schedule any essential banking business for before or after this Monday.

November 2023: A Day for Gratitude and a Day for Remembrance

November is a busy month for holidays, featuring two significant federal observances. The first is Veterans Day, celebrated annually on November 11th. This day honors all those who have served in the U.S. Armed Forces. In 2023, November 11th falls on a Saturday. Therefore, banks will observe the holiday on Friday, November 10th. Plan accordingly to get your banking done before this observed day. The second, and arguably more widely recognized, holiday is Thanksgiving Day. Observed on the fourth Thursday of November, it's a time for gratitude, family, and feasting. In 2023, Thanksgiving Day is on Thursday, November 23rd, and banks will be closed. Many people also take Friday, November 24th, off, though it's not a federal holiday, so some banks might have reduced hours or be closed on that day too. Always check with your specific bank!

December 2023: Wrapping Up the Year

We're closing out 2023 with a major holiday: Christmas Day. This federal holiday celebrates the birth of Jesus Christ and is observed on December 25th. In 2023, Christmas Day falls on a Monday, December 25th. Banks will be closed on this Monday, marking the final federal bank holiday of the year. Ensure all your end-of-year financial tasks are completed before this date. It's a time for joy, family, and reflection, but also a reminder to wrap up your banking business before the holiday.

Disclaimer: While this list covers federal holidays, keep in mind that state and local holidays can also affect bank operations in specific regions. Additionally, banks may have different hours or be closed on days that are not federal holidays, especially around the Christmas and New Year's period. It's always a good idea to check with your local bank or credit union for their specific holiday schedule. Stay informed, plan ahead, and have a fantastic 2023!