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.

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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

Date	Day	Holiday
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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