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Paydays.

Holidays that move paydays

2028 Federal Holidays and Bank Holidays

There are 11 federal holidays in 2028. Federal employees get 10 days off in 2028 under OPM's rule, and the Federal Reserve Banks close on 9 days. They differ because a Saturday holiday gives federal employees the Friday off while the banks stay open: Friday, November 10, 2028 (Veterans Day).

Today
federal holidays by law
11
federal days off in 2028
10
days banks are closed
9
days off with banks open
1

Every federal holiday in 2028

Federal holidays 2028, observed dates and bank closures
HolidayDateFederal day offBanks
New Year's DayJanuary 1SaturdayFridayOpen. A Saturday holiday closes nothing; the Friday before is a banking day.
Birthday of Martin Luther King, Jr.Martin Luther King Jr. DayThird Monday in JanuaryMondayMondayClosed
Washington's BirthdayPresidents' DayThird Monday in FebruaryMondayMondayClosed
Memorial DayLast Monday in MayMondayMondayClosed
Juneteenth National Independence DayJuneteenthJune 19MondayMondayClosed
Independence DayFourth of JulyJuly 4TuesdayTuesdayClosed
Labor DayFirst Monday in SeptemberMondayMondayClosed
Columbus DayIndigenous Peoples' Day in some statesSecond Monday in OctoberMondayMondayClosed
Veterans DayNovember 11SaturdayFridayOpen. A Saturday holiday closes nothing; the Friday before is a banking day.
Thanksgiving DayThanksgivingFourth Thursday in NovemberThursdayThursdayClosed
Christmas DayChristmasDecember 25MondayMondayClosed

Sources: OPM federal holidays and Federal Reserve holiday schedule. Checked weekly. The dates are computed from 5 U.S.C. 6103 and match both schedules. An executive order can add a one-off day off for federal employees; the weekly check watches OPM for that.

2028 calendar

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  • Bank holiday or federal day off

January

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February

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March

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April

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May

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June

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July

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August

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September

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October

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November

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December

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Computed schedules for planning. Your employer's payroll calendar is the final word.

Questions

How many federal holidays are there in 2028?

11 by law. Federal employees are off 10 days in 2028, counting observed days, and the banks close on 9 days.

Are banks closed when a holiday falls on a Saturday?

No. The Federal Reserve Banks stay open on the Friday before a Saturday holiday, so direct deposits settle and paydays on that Friday do not move. When a holiday falls on a Sunday, the banks close on Monday.

Does a bank holiday delay my paycheck?

Most employers pay the business day before a bank holiday, so the money arrives early rather than late. DFAS and the Social Security Administration always pay early.

More calendars

Federal holidays 2026Federal holidays 2027Federal holidays 2028

A few times a year: official pay calendar changes and next year's calendars, the day they post.