> For the complete documentation index, see [llms.txt](https://help.alternativepayments.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.alternativepayments.io/preferences/payouts-and-billing/how-us-bank-holidays-affect-your-payout-timelines.md). # 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. *** 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](https://app.alternativepayments.io/dashboard/all-transactions?pageTab=Payouts) 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 %} *** ## **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 | *** ## 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 {% hint style="warning" %} **Note:** If a holiday falls on a weekend, banks may observe the holiday on the closest weekday. {% endhint %} *** ## 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. *** ## Known display issue: Open payout dates on US bank holidays If you have an **Open** payout and its estimated date falls on a US bank holiday, the Payouts dashboard may currently show the holiday date rather than the corrected next business day. **What this means for you:** The date shown for an Open payout is a forecast window, not a confirmed send date. Payout processing skips US bank holidays — your funds will be sent on the next business day after the holiday, even if the dashboard shows the holiday itself as the expected date. **Example:** An Open payout showing an estimated date of Monday, September 7, 2026 (Labor Day) will actually be processed on Tuesday, September 8, 2026. We are aware of this display discrepancy and are working to correct it. No action is required on your part — your payout will process on the correct next business day automatically. If the date shown on your Payouts page concerns you, please reach out to our support team for confirmation of your specific payout's expected processing date. *** **Love our platform?** Rate us on [Channel Program](https://channelprogram.com/v/alternativepayments) and check out our [Referral Program page](https://www.alternativepayments.io/referral-partners/)! --- # Agent Instructions This documentation is published with GitBook. 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