Overview
- Monday, Jan. 19, 2026 is the federal Martin Luther King Jr. Day, observed on the third Monday of January.
- Most major banks will close branches and offices per the Federal Reserve holiday calendar, including Bank of America, Chase, Wells Fargo, Citibank, Capital One, PNC and U.S. Bank.
- Online banking, mobile apps and external ATMs will function, though some transfers and bill payments may not settle until Tuesday.
- USPS will suspend regular delivery and retail service, with Priority Mail Express available in some areas, while FedEx plans modified operations.
- U.S. markets (NYSE, Nasdaq and bonds) will be closed, as many retailers such as Walmart, Target, Costco, Sam’s Club and Aldi expect to open with locally set hours, and cities host free MLK Day events in Washington, D.C. and Central Florida.