# How US 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.

{% hint style="warning" %}
**Note:** 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.
{% endhint %}

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## **Bank holidays in the United States (2026)**

| Date   | Day       | Holiday                              |
| ------ | --------- | ------------------------------------ |
| Jan 1  | Thursday  | New Year's Day                       |
| Jan 19 | Monday    | Martin Luther King Jr. Day           |
| Feb 16 | Monday    | Presidents' Day                      |
| May 25 | Monday    | Memorial Day                         |
| Jun 19 | Friday    | Juneteenth National Independence Day |
| Jul 3  | Friday    | Independence Day (observed)          |
| Sep 7  | Monday    | Labor Day                            |
| Oct 12 | Monday    | Columbus Day                         |
| Nov 11 | Wednesday | Veterans Day                         |
| Nov 26 | Thursday  | Thanksgiving Day                     |
| Dec 25 | Friday    | Christmas Day                        |

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## 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

  <div data-gb-custom-block data-tag="hint" data-style="warning" class="hint hint-warning"><p><strong>Note:</strong> If a holiday falls on a weekend, banks may observe the holiday on the closest weekday.</p></div>

***

## 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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