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.

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.

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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

Note: If a holiday falls on a weekend, banks may observe the holiday on the closest weekday.

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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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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.

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