This year, Monday, January 20, 2025, marks a rare occasion in the U.S. as two federal holidays fall on the same day: Martin Luther King Jr. Day and Inauguration Day. While MLK Day is observed annually on the third Monday of January to honor Dr. King’s legacy, Inauguration Day occurs once every four years, marking the official swearing-in of the president-elect and vice president-elect.
With these major federal holidays happening simultaneously, many government offices, banks, and other services will be closed. If you have errands to run, here’s what you need to know about what’s open and closed on MLK Day and Inauguration Day 2025.
Are Banks Open on Monday, January 20?
Since Martin Luther King Jr. Day is a Federal Reserve holiday, most major banks will not be open on Monday. This includes:
- Bank of America
- Chase
- Citibank
- Capital One
- PNC Bank
- Santander Bank
- TD Bank
- Truist
- Wells Fargo
While branches will be closed, online banking, ATMs, and mobile app services will remain available for transactions. Be sure to check with your local branch for specific details.
Is the Post Office Open on MLK Day?
If you need to send mail, plan ahead—United States Post Offices will be closed on Monday, and there will be no regular mail delivery.
However, some shipping services will still operate with limitations:
- UPS – Closed for the holiday
- FedEx – Open, but certain deliveries may experience delays
Government Offices and Services
- Federal Offices – Closed, including all federal courthouses.
- State & Local Offices – Most will be closed, including the DMV and other government buildings. Some local offices may have limited hours, so check ahead before visiting.
- Stock Market – The New York Stock Exchange and Nasdaq will be closed in observance of MLK Day.
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Will National Parks Be Open?
Yes! In honor of Martin Luther King Jr.’s birthday, entrance fees to all U.S. national parks will be waived on Monday. Many parks will also host volunteer service events in tribute to Dr. King’s legacy of community service.
Retail & Grocery Stores: What’s Open?
Many major grocery stores, pharmacies, and retail chains will remain open on MLK Day, though some locations may operate on modified schedules.
Open on Monday, January 20:
- Walmart
- Target
- Costco
- Safeway
- CVS
If you’re planning a shopping trip, it’s best to check with your local store for specific hours .
Do MLK Day and Inauguration Day Always Fall on the Same Day?
Not always! MLK Day is set for the third Monday of January each year, while Inauguration Day only occurs every four years on January 20, following a presidential election. In 2025, the two dates happen to coincide.
Even though both are federal holidays, there will still only be 11 paid federal holidays for government employees in 2025.
Federal Holidays in 2025
The U.S. officially recognizes 11 annual paid holidays for federal employees:
✅ New Year’s Day
✅ Martin Luther King Jr. Day
✅ George Washington’s Birthday (Presidents’ Day)
✅ Memorial Day
✅ Independence Day
✅ Labor Day
✅ Columbus Day (also recognized in some areas as Indigenous Peoples’ Day)
✅ Veterans Day
✅ Thanksgiving Day
✅ Christmas Day
Every four years, Inauguration Day is observed as a 12th paid holiday for federal workers in Washington, D.C.
Plan Ahead for MLK Day 2025
With two major holidays happening on the same day, expect closures for banks, post offices, government offices, and stock markets. However, you can still visit grocery stores, major retailers, and national parks without disruption. If you need specific services, checking ahead will ensure a smooth and stress-free holiday!
