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2025 Federal Reserve and Insperity holiday schedule

It is important to note that Insperity’s closures do not always coincide with Federal Banking holidays. Below is a comprehensive list of holidays observed by either Insperity corporate offices and/or the Federal Reserve.

What happens if a holiday falls on a weekend?

For Insperity: Holidays that occur on a Saturday will be observed on the preceding Friday, and Sunday holidays will be observed on the following Monday.

For the Federal Reserve: If the holiday falls on a Saturday, Federal Reserve Banks and Branches will be open the preceding Friday with no interruption to direct deposit timing. For a holiday that falls on a Sunday, the Federal Reserve Banks and Branches will be closed the following Monday.

What happens If a payday falls on a bank holiday?

When the Federal Reserve is closed, direct deposit or tax payments will not be sent, and funds will not be settled on those days. You should not have checks dated on Federal Reserve holiday dates.

In addition, you might need to make adjustments if there’s a bank holiday at any point between your normal payroll processing day and payday to allow 3 business days for processing.   

YearHolidayDate Observed
Insperity closedFederal Reserve closed
2024
Thanksgiving Day 2024Thursday, November 28, 2024Thursday, November 28, 2024
Day after Thanksgiving 2024Friday, November 29, 2024NOT CLOSED
Christmas Day 2024Wednesday, December 25, 2024Wednesday, December 25, 2024
2025
New Year’s Day 2025Wednesday, January 01, 2025Wednesday, January 01, 2025
Martin Luther King, Jr. Day 2025Monday, January 20th, 2025Monday, January 20th, 2025
Presidents Day 2025NOT CLOSEDMonday, February 17th, 2025
Good Friday 2025Friday, April 18, 2025NOT CLOSED
Memorial Day 2025Monday, May 26th, 2025Monday, May 26th, 2025
Juneteenth National Independence Day 2025NOT CLOSEDThursday, June 19th, 2025
Independence Day 2025Friday, July 4th, 2025Friday, July 4th, 2025
Labor Day 2025Monday, September 1st, 2025Monday, September 1st, 2025
Columbus Day 2025NOT CLOSEDMonday, October 13th, 2025
Veterans Day 2025NOT CLOSEDTuesday, November 11th, 2025
Thanksgiving Day 2025Thursday, November 27th, 2025Thursday, November 27th, 2025
Day after Thanksgiving 2025Friday, November 28, 2025NOT CLOSED
Christmas Day 2025
Thursday, December 25th, 2025
Thursday, December 25th, 2025
2026
New Year’s Day 2026Thursday, January 1st, 2026Thursday, January 1st, 2026

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