How Bank Holidays Affect Your Payout Timelines
Bank holidays in the United States can delay your payout timelines, even if you initiate a payment on a regular business day. Here's what you need to know to plan ahead.
When U.S. banks are closed due to a national holiday, payouts may be paused until the next business day. This means your funds might arrive later than usual, especially if your payout is scheduled near a holiday or over a long weekend.
For example, if you're expecting a payout to be deposited on Thursday, but Thursday is Thanksgiving Day, a U.S. bank holiday. In this case, your payout will be deposited on the next business day — typically the following Friday, unless it’s also a bank-observed day.
To view your estimated payout timeline, check your Payouts page in the dashboard.
Standard processing timelines for credit cards and bank payments (ACHs) are 3 business days. If you have opted in to accelerated payouts, your standard payout time may be the next day or 2 business days.
Bank holidays in the United States
Jan 1
Wednesday
New Year's Day
Jan 20
Monday
Martin Luther King Jr. Day
Feb 17
Monday
Presidents' Day
May 26
Monday
Memorial Day
Jun 19
Thursday
Juneteenth National Independence Day
Jul 4
Friday
Independence Day
Sep 1
Monday
Labor Day
Oct 13
Monday
Columbus Day
Nov 11
Tuesday
Veterans Day
Nov 27
Thursday
Thanksgiving Day
Dec 25
Thursday
Christmas Day
What should you expect?
Payments initiated just before or on a holiday may be delayed by 1 business day
Auto-pay and recurring payment rules will still trigger as scheduled, but the actual fund transfer won’t be completed until banks reopen
Note: If a holiday falls on a weekend, banks may observe the holiday on the closest weekday.
Best practices
Schedule critical payouts in advance of bank holidays
Use our payout tracking tools to monitor payment status
Communicate with your clients or vendors if you anticipate any delays due to a holiday
If you have specific questions or need help adjusting your payout schedule, reach out to our support team.
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