Fedwire hours and holidays 2026

The Fedwire Funds Service opens at 9:00 p.m. ET the evening before each business day, takes customer transfers until 6:45 p.m. ET and closes at 7:00 p.m. ET. In 2026 it is closed at weekends and on the 11 Federal Reserve holidays listed below.

When will it arrive?

Pick the payment, then the day and time you send it. The calculator applies that system's closing days and cut-off, and gives the business day the payment settles, with every day it waits through and why.

Your bank can stop taking payments before the system does. If you know its cut-off, add it and the calculator counts from there.

It all runs in your browser; nothing you enter is sent anywhere.

Holyheld Business sends and receives ACH, SEPA, wires and Faster Payments. The pricing page lists the fees, and the off-ramp converts supported stablecoins to fiat for company payments.

Leave it empty to count from the system's own cut-off.

Result

Settles on Monday 28 December 2026

Fedwire settles each transfer in real time, on funds-transfer business days, up to the 6:45 p.m. ET cut-off for customer transfers.

Sent Thursday 24 December 2026 at 7:00 p.m. EST

Why this day

  • 7:00 p.m. EST is after Fedwire's 6:45 p.m. EST cut-off for customer transfers, so it moves to the next business day.
  • Friday 25 December: Federal Reserve holiday (Christmas Day)
  • Saturday 26 December: weekend
  • Sunday 27 December: weekend

These are the system's own times. Your bank can stop taking payments earlier; add its cut-off to count from it.

Federal Reserve holidays 2026

The Federal Reserve Banks close FedACH and the Fedwire Funds Service on these holidays, as well as at weekends. The list is the Federal Reserve's own schedule for 2026.

When a holiday falls on a Saturday, the Reserve Banks open as normal on the Friday before; when it falls on a Sunday, they close on the Monday after.

Independence Day falls on a Saturday, so Friday 3 July is a business day.

HolidayDatePayments
New Year's DayThursday 1 January 2026 No settlement
Martin Luther King Jr. DayMonday 19 January 2026 No settlement
Washington's Birthday (Presidents Day)Monday 16 February 2026 No settlement
Memorial DayMonday 25 May 2026 No settlement
Juneteenth National Independence DayFriday 19 June 2026 No settlement
Independence DaySaturday 4 July 2026 Falls on a Saturday; open on Friday 3 July
Labor DayMonday 7 September 2026 No settlement
Columbus DayMonday 12 October 2026 No settlement
Veterans DayWednesday 11 November 2026 No settlement
Thanksgiving DayThursday 26 November 2026 No settlement
Christmas DayFriday 25 December 2026 No settlement

Source: Federal Reserve Financial Services, as published on 27 October 2026.

Fedwire Funds Service hours

Fedwire settles each transfer on its own, in real time, through a 22-hour business day that starts the evening before.

These are the Federal Reserve's own times. Your bank sets its own cut-off for wires, which can be earlier.

SystemHours and cut-offs
Opens9:00 p.m. ET the evening before each business day, even when that evening is a holiday Source: Federal Reserve Financial Services
Customer transfersCut-off 6:45 p.m. ET Source: Federal Reserve Financial Services
Bank transfersCut-off 7:00 p.m. ET, when the service closes Source: Federal Reserve Financial Services
Business daysMonday to Friday, except Federal Reserve holidays Source: Federal Reserve Financial Services
Sundays and holidaysClosed in 2026 and 2027. The Federal Reserve plans to open on Sundays and weekday holidays in 2028 or 2029, with the same daily hours. Source: Federal Reserve Financial Services
Clock changes 2026Times are US Eastern time (ET): EST, and EDT from 8 March to 1 November. From 8 to 28 March and 25 to 31 October 2026, New York is an hour closer to Frankfurt and London than usual, because the US and Europe change their clocks on different Sundays. The calculator allows for it.

Questions about Fedwire in 2026

  • The Fedwire Funds Service opens at 9:00 p.m. ET on the evening before each business day and closes at 7:00 p.m. ET. Customer transfers must be sent by 6:45 p.m. ET and bank transfers by 7:00 p.m. ET. Your bank's own cut-off for wires can be earlier.

  • Yes. Thursday 24 December 2026 is a funds-transfer business day with normal hours. Fedwire is closed on Christmas Day, Friday 25 December.

  • No. In 2026 it is closed every Saturday and Sunday and on the Federal Reserve holidays above, and a wire sent then settles on the next business day. The Federal Reserve plans to add Sundays and weekday holidays in 2028 or 2029, with the same 22-hour days.

  • Fedwire settles each transfer on its own, in real time, until the 6:45 p.m. ET customer cut-off. ACH settles in batches at fixed times: 1:00 p.m., 5:00 p.m. and 6:00 p.m. ET for Same Day ACH, and 8:30 a.m. ET the next banking day for the rest.

Payment calendars

Sources

Every date and time on this page comes from these official pages, as published on 27 October 2026.