2026 Federal Banking Holidays &
Payroll Deadline Guide
Banks are closed on federal holidays. Use this guide to submit payroll on time — every deadline accounts for bank closures, weekends, and Rabco office closures.
How submission deadlines are calculated
Next-day direct deposit
City National Bank · Axos Bank
Count back 1 business day from the effective check date, skipping weekends, bank holidays & Rabco closures.
Courier / check delivery
All check clients
Count back 1 business day from the effective check date. Cash collection file must be sent while banks are open.
Standard ACH direct deposit
All other banks
Count back 2 business days from the effective check date. Any closure in the window pushes the deadline further back.
2026 Holiday Calendar & Deadlines
Jan1Thu
New Year's Day Banks closedRabco closed
Federal bank holiday · Rabco office closed
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Dec 25 (Thu) — closed, moves to Dec 24 (Wed) | Dec 23 (Tue) | Dec 23 (Tue) | Dec 22 (Mon) |
| Dec 26 (Fri) | Dec 24 (Wed) | Dec 24 (Wed) | Dec 23 (Tue) |
| Dec 29 (Mon) | Dec 26 (Fri) | Dec 26 (Fri) | Dec 24 (Wed) |
| Jan 1 (Thu) — closed, moves to Dec 31 (Wed) | Dec 30 (Tue) | Dec 30 (Tue) | Dec 29 (Mon) |
| Jan 2 (Fri) | Dec 31 (Wed) | Dec 31 (Wed) | Dec 30 (Tue) |
| Jan 5 (Mon) | Jan 2 (Fri) | Jan 2 (Fri) | Dec 31 (Wed) |
Jan19Mon
Martin Luther King Jr. Day Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Jan 19 (Mon) — closed, moves to Jan 16 (Fri) | Jan 15 (Thu) | Jan 15 (Thu) | Jan 14 (Wed) |
| Jan 20 (Tue) | Jan 16 (Fri) | Jan 16 (Fri) | Jan 15 (Thu) |
| Jan 21 (Wed) | Jan 20 (Tue) | Jan 20 (Tue) | Jan 16 (Fri) |
Feb16Mon
Presidents’ Day Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Feb 16 (Mon) — closed, moves to Feb 13 (Fri) | Feb 12 (Thu) | Feb 12 (Thu) | Feb 11 (Wed) |
| Feb 17 (Tue) | Feb 13 (Fri) | Feb 13 (Fri) | Feb 12 (Thu) |
| Feb 18 (Wed) | Feb 17 (Tue) | Feb 17 (Tue) | Feb 13 (Fri) |
May25Mon
Memorial Day Banks closedRabco closed
Federal bank holiday · Rabco office closed
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| May 25 (Mon) — closed, moves to May 22 (Fri) | May 21 (Thu) | May 21 (Thu) | May 20 (Wed) |
| May 26 (Tue) | May 22 (Fri) | May 22 (Fri) | May 21 (Thu) |
| May 27 (Wed) | May 26 (Tue) | May 26 (Tue) | May 22 (Fri) |
Jun19Fri
Juneteenth Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Jun 19 (Fri) — closed, moves to Jun 18 (Thu) | Jun 17 (Wed) | Jun 17 (Wed) | Jun 16 (Tue) |
| Jun 22 (Mon) | Jun 18 (Thu) | Jun 18 (Thu) | Jun 17 (Wed) |
| Jun 23 (Tue) | Jun 22 (Mon) | Jun 22 (Mon) | Jun 18 (Thu) |
Jul3Fri
Independence Day Rabco closed
Observed — Jul 4 falls on Saturday · Rabco office closed · Banks are open — check date is valid, but Rabco closure affects submission window
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Jul 3 (Fri) — closed, moves to Jul 2 (Thu) | Jul 1 (Wed) | Jul 1 (Wed) | Jun 30 (Tue) |
| Jul 6 (Mon) | Jul 2 (Thu) | Jul 2 (Thu) | Jul 1 (Wed) |
| Jul 7 (Tue) | Jul 6 (Mon) | Jul 6 (Mon) | Jul 2 (Thu) |
Sep7Mon
Labor Day Banks closedRabco closed
Federal bank holiday · Rabco office closed
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Sep 7 (Mon) — closed, moves to Sep 4 (Fri) | Sep 3 (Thu) | Sep 3 (Thu) | Sep 2 (Wed) |
| Sep 8 (Tue) | Sep 4 (Fri) | Sep 4 (Fri) | Sep 3 (Thu) |
| Sep 9 (Wed) | Sep 8 (Tue) | Sep 8 (Tue) | Sep 4 (Fri) |
Oct12Mon
Columbus Day Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Oct 12 (Mon) — closed, moves to Oct 9 (Fri) | Oct 8 (Thu) | Oct 8 (Thu) | Oct 7 (Wed) |
| Oct 13 (Tue) | Oct 9 (Fri) | Oct 9 (Fri) | Oct 8 (Thu) |
| Oct 14 (Wed) | Oct 13 (Tue) | Oct 13 (Tue) | Oct 9 (Fri) |
Nov11Wed
Veterans Day Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Nov 11 (Wed) — closed, moves to Nov 10 (Tue) | Nov 9 (Mon) | Nov 9 (Mon) | Nov 6 (Fri) |
| Nov 12 (Thu) | Nov 10 (Tue) | Nov 10 (Tue) | Nov 9 (Mon) |
| Nov 13 (Fri) | Nov 12 (Thu) | Nov 12 (Thu) | Nov 10 (Tue) |
Nov26Thu
Thanksgiving Day Banks closedRabco closed
Federal bank holiday · Rabco office closed
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Nov 26 (Thu) — closed, moves to Nov 25 (Wed) | Nov 24 (Tue) | Nov 24 (Tue) | Nov 23 (Mon) |
| Nov 27 (Fri) — Rabco closed | Nov 25 (Wed) | Nov 25 (Wed) | Nov 24 (Tue) |
| Nov 30 (Mon) | Nov 25 (Wed) | Nov 25 (Wed) | Nov 24 (Tue) |
| Dec 1 (Tue) | Nov 30 (Mon) | Nov 30 (Mon) | Nov 25 (Wed) |
Nov27Fri
Day After Thanksgiving Rabco closed
Rabco office closed · Banks are open — check date is valid, but Rabco closure affects submission window
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Nov 26 (Thu) — closed, moves to Nov 25 (Wed) | Nov 24 (Tue) | Nov 24 (Tue) | Nov 23 (Mon) |
| Nov 27 (Fri) — Rabco closed | Nov 25 (Wed) | Nov 25 (Wed) | Nov 24 (Tue) |
| Nov 30 (Mon) | Nov 25 (Wed) | Nov 25 (Wed) | Nov 24 (Tue) |
| Dec 1 (Tue) | Nov 30 (Mon) | Nov 30 (Mon) | Nov 25 (Wed) |
Dec25Fri
Christmas Day Banks closed
Federal bank holiday
| Check date | CNB / Axos | Courier | ACH (2-day) |
|---|---|---|---|
| Dec 25 (Fri) — closed, moves to Dec 24 (Thu) | Dec 23 (Wed) | Dec 23 (Wed) | Dec 22 (Tue) |
| Dec 28 (Mon) | Dec 24 (Thu) | Dec 24 (Thu) | Dec 23 (Wed) |
| Dec 29 (Tue) | Dec 28 (Mon) | Dec 28 (Mon) | Dec 24 (Thu) |
| Jan 1 (Fri) — closed, moves to Dec 31 (Thu) | Dec 30 (Wed) | Dec 30 (Wed) | Dec 29 (Tue) |
| Jan 4 (Mon) | Dec 31 (Thu) | Dec 31 (Thu) | Dec 30 (Wed) |
| Jan 5 (Tue) | Jan 4 (Mon) | Jan 4 (Mon) | Dec 31 (Thu) |
Key:
City National / Axos — next-day DD
Courier / check delivery
All other banks — standard ACH
Banks closed
Rabco closed
Rabco Payroll · 155 N Lake Ave, Suite 700, Pasadena, CA 91101 · (626) 479-2022
Questions about your payroll deadlines? Contact your Rabco payroll specialist. Dates reflect 2026 federal banking holidays per the Federal Reserve.
Questions about your payroll deadlines? Contact your Rabco payroll specialist. Dates reflect 2026 federal banking holidays per the Federal Reserve.