Holidays and bank closures (2026)

Karat and our partner banks observe U.S. federal banking holidays. On these dates, banks are closed and certain payment types will not be processed until the next business day. This may affect ACH transfers, wire transfers, check processing, and other scheduled transactions.

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Holidays Karat observes

• New Years Day Thursday, January 1, 2026
• Martin Luther King Jr. Day Monday, January 19, 2026
• President’s Day Monday, February 16, 2026
• Memorial Day Monday, May 25, 2026
• Juneteenth Friday, June 19, 2026
• Independence Day Saturday, July 4, 2026 (Observed on July 3rd)
• Labor Day Monday, September 7, 2026
• Indigenous Peoples’ Day Monday, October 12, 2026
• Veterans Day Wednesday, November 11, 2026
• Thanksgiving Day Thursday, November 26, 2026
• Christmas Day Friday, December 25, 2026

If a holiday falls on a weekend, it is typically observed on the nearest weekday:

• Saturday holidays are observed on Friday
• Sunday holidays are observed on Monday

Support response times may also be impacted during federal holidays. _{Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.}