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Pursuant to U.C.C. § 4-104, a banking day means a day on which a bank is open to the public for carrying on substantially all of its banking functions. Banking day is the business day of a bank. Banking days include all the days when offices of a bank is open for business to public. Business includes all banking functions. Usually banking day is all day except Saturday, Sunday and legally defined holidays. Regulations D and CC of Federal Reserve Regulations deals with public holidays.