All the Days Florida Banks Are Closed in 2025 (Full Holiday Schedule)

If you're looking to deposit some cash or open a new bank account, you’ll want to make sure your bank is open — especially around any holidays. While there’s no requirement that banks have to close on the 11 federal holidays in the United States, most do as it has become standard practice.

Florida banks are no exception. Although Florida doesn’t have any additional specific state holidays that banks close for, they do adhere to the federal holiday schedule.

If you do your banking in Florida, here is a list of the observed state bank holidays for the Sunshine State in 2025.

Jan. 1 marks the start of a new year for most of the world, and you shouldn’t expect to stop by your local bank on this holiday.

Countries across the globe celebrate at the stroke of midnight with fireworks and parties. New Year’s Day traditions include setting goals, making resolutions, and spending time with loved ones.

President Ronald Reagan signed a bill to create Martin Luther King Jr. Day in 1983. However, it wasn’t observed as a federal holiday until three years later, with several states resisting observance. In 2000, the holiday was officially celebrated federally and in all 50 states.

Martin Luther King Jr. Day always falls on the third Monday in January. In 2025, this day coincides with another federal holiday — Inauguration Day.

While this day only occurs every four years, it’s important to note that on Inauguration Day this year, banks will be closed since it coincides with Martin Luther King Jr. Day.

This is the first time in 28 years that the two have fallen on the same day. Thanks to the 20th Amendment, Inauguration Day is always on Jan. 20. Even if there was no inauguration this year, banks would still be closed.

Washington’s Birthday, also known as President’s Day, has been a federal holiday since 1879. This day is meant to honor the founding father, George Washington, but is also used to honor all former presidents.

This federal holiday is celebrated on the third Monday of February each year.

Memorial Day was first observed in 1868 and was called Decoration Day. This day is set aside to honor and mourn those who have died while serving in the United States Armed Forces. Memorial Day has also become a marker for the unofficial start of summer.

The holiday is always celebrated on the last Monday of May.

Juneteenth is the most recently established federal holiday, made official in 2021. The holiday celebrates the emancipation of all enslaved people in the U.S. and the official announcement made on June 19, 1865, when it finally reached the last enslaved people in Galveston, Texas.

In 2025, June 19 falls on a Thursday.

Independence Day is one of the four original national holidays created by Congress in 1870. It celebrates the passage of the Declaration of Independence on July 4, 1776, which officially created the United States of America.

All federal employees were granted this day off as of 1885. This year, Independence Day falls on a Friday.

Labor Day always lands on the first Monday of September and celebrates the American labor movement and the achievements of American workers.

Labor Day weekend has become an unofficial launch into the autumn season and the school year. Outdoor celebrations and gatherings are abundant.

This federal holiday has come under fire recently, with many states no longer observing Columbus Day as an official public holiday and some instead celebrating it as Indigenous Peoples’ Day.

Columbus Day is still listed as an official federal holiday and is still observed by the Federal Reserve System. It occurs on the second Monday in October.

On this day, the United States celebrates the brave men and women who have served in the United States Armed Forces. It is distinctly different from Memorial Day, which celebrates those who have died while serving in the armed forces.

Veterans Day is observed annually on Nov. 11, regardless of the day of the week it falls on. In 2025, Veterans Day falls on a Tuesday.

Thanksgiving is one of the original federal holidays established in 1870, but the celebration dates back to 1863. It is celebrated on the fourth Thursday of November — not to be confused with Canadian Thanksgiving, which is observed in October.

Thanksgiving dinner is the most notable part of the holiday where foods like turkey, pumpkin pie, and mashed potatoes have become holiday staples.

Christmas Day has been celebrated by Christians and non-Christians for hundreds of years. While the holiday has religious origins, it has now also become a cultural holiday.

Christmas is celebrated on Dec. 25 every year, and in 2025, it is on a Thursday.

When holidays fall on a Saturday, Federal Reserve Banks and Branches will be open on the Friday before. However, when holidays fall on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.

In Florida, private employers are not required to offer paid time off for holidays. Each employer is allowed to establish their own leave policies for federal and state holidays, vacation time, unlimited PTO, and other types of leave.

Florida employers are also not required to pay employees for holidays — unless they actually worked on the holiday or the employer has a policy or practice stating holiday pay.

In addition, there is no federal or Florida law that requires being paid time and a half just because it’s a holiday. The exception is for non-exempt employees. If you are a non-exempt employee who worked over 40 hours in the work week, you must be paid time and a half for hours worked over 40 hours.

Federal holidays often impact how your deposits and withdrawals show up in your accounts, such as debits and charges being delayed or transactions not being posted until the following business day.

By keeping track of bank holidays, you can lower your financial stress and better plan for these delays.