| Observed Holiday | 2025 | 2026 | 2027 | 2028 | Hours |
| New Year's Day | January 1 | January 1 | January 1 | January 31 | Closed |
| Martin Luther King Jr. Day | January 20 | January 19 | January 18 | January 17 | Closed |
| Presidents' Day | February 17 | February 16 | February 15 | February 21 | Closed |
| Memorial Day | May 26 | May 25 | May 31 | May 29 | Closed |
| Juneteenth* | June 19 | June 19 | June 18 | June 19 | Closed |
| Independence Day | July 4 | July 3 | July 5 | July 4 | Closed |
| Labor Day | September 1 | September 7 | September 6 | September 4 | Closed |
| Columbus Day | October 13 | October 12 | October 11 | October 9 | Closed |
| Veterans Day | November 11 | November 11 | November 11 | November 10 | Closed |
| Thanksgiving Day | November 27 | November 25 | November 25 | November 23 | Closed |
| Christmas Eve | December 24 | December 24 | December 24 | December 24 | Close at noon |
| Christmas Day | December 25 | December 25 | December 25 | December 25 | Closed |
| New Year's Eve | December 31 | December 31 | December 31 | December 31 | Close at 4 p.m. |
Guaranty Bank and the Federal Reserve will be closed on the dates above – no transactions, including ACH, will be processed or posted on the dates listed above.* Please plan effective dates accordingly.
Please note days Guaranty Bank will close at noon, only ACH transactions authorized prior to 11 a.m. will be processed on that day. Any transactions approved after this time will be processed on the following business day.
Remote deposited items will be accepted for same day posting until our normal cutoff time at 6 p.m. on Christmas Eve during a business week.
For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday. For holidays falling on Sunday, all Federal Reserve Banks and Branches will be closed the following Monday. Expanded schedule can be found at: Federal Reserve System Holidays