Prop Data Lab

Prop Firm Payout Holiday Calendar: Federal Reserve Closures to 2030

Last updated: 12 October 2026 When a prop firm says a payout takes “3 business days”, a bank holiday adds a day. This page lists every day the US Federal Reserve Banks are closed from 2026 to 2030, from the Fed’s own table, and shows how those days shift the payout windows that firms publish.

Key findings · Fed holiday table, firm payout wording

Today, Monday 12 October 2026, is Columbus Day, a Federal Reserve holiday. The Federal Reserve Banks are closed, so bank transfers that run through them (ACH and Fedwire) do not settle until the next business day.

Three more Fed holidays fall before the end of 2026: Veterans Day (Wednesday 11 November), Thanksgiving (Thursday 26 November) and Christmas (Friday 25 December). The full Fed calendar to 2030 is below and in the CSV.

A holiday pushes the end of a business-day window back a day. For example, Topstep says wires take 5 to 10 business days after approval. Counting from Wed 25 Nov 2026, the 10th business day is Thu 10 Dec 2026 with Thanksgiving counted, not Wed 9 Dec 2026.

No firm we track says which holiday calendar it uses. The windows below are the firms’ own wording; the dates are our arithmetic using Fed closures, which is what US bank transfers follow. A firm based outside the US may count its own public holidays instead.

Federal Reserve holidays, 2026 to 2030

Holiday20262027202820292030
New Year’s DayThu 1 Jan 2026Fri 1 Jan 2027Sat 1 Jan 2028 (banks open Fri)Mon 1 Jan 2029Tue 1 Jan 2030
Birthday of Martin Luther King, Jr.Mon 19 Jan 2026Mon 18 Jan 2027Mon 17 Jan 2028Mon 15 Jan 2029Mon 21 Jan 2030
Washington’s BirthdayMon 16 Feb 2026Mon 15 Feb 2027Mon 21 Feb 2028Mon 19 Feb 2029Mon 18 Feb 2030
Memorial DayMon 25 May 2026Mon 31 May 2027Mon 29 May 2028Mon 28 May 2029Mon 27 May 2030
Juneteenth National Independence DayFri 19 Jun 2026Sat 19 Jun 2027 (banks open Fri)Mon 19 Jun 2028Tue 19 Jun 2029Wed 19 Jun 2030
Independence DaySat 4 Jul 2026 (banks open Fri)Sun 4 Jul 2027 (closed Mon)Tue 4 Jul 2028Wed 4 Jul 2029Thu 4 Jul 2030
Labor DayMon 7 Sep 2026Mon 6 Sep 2027Mon 4 Sep 2028Mon 3 Sep 2029Mon 2 Sep 2030
Columbus DayMon 12 Oct 2026Mon 11 Oct 2027Mon 9 Oct 2028Mon 8 Oct 2029Mon 14 Oct 2030
Veterans DayWed 11 Nov 2026Thu 11 Nov 2027Sat 11 Nov 2028 (banks open Fri)Sun 11 Nov 2029 (closed Mon)Mon 11 Nov 2030
Thanksgiving DayThu 26 Nov 2026Thu 25 Nov 2027Thu 23 Nov 2028Thu 22 Nov 2029Thu 28 Nov 2030
Christmas DayFri 25 Dec 2026Sat 25 Dec 2027 (banks open Fri)Mon 25 Dec 2028Tue 25 Dec 2029Wed 25 Dec 2030

When a holiday falls on a Saturday the Federal Reserve Banks stay open the Friday before (only the Board of Governors closes). When it falls on a Sunday, they close the following Monday.

Coming up

Next Fed closuresDay
Columbus DayMon 12 Oct 2026
Veterans DayWed 11 Nov 2026
Thanksgiving DayThu 26 Nov 2026
Christmas DayFri 25 Dec 2026
New Year’s DayFri 1 Jan 2027
Birthday of Martin Luther King, Jr.Mon 18 Jan 2027
Washington’s BirthdayMon 15 Feb 2027
Memorial DayMon 31 May 2027

Worked examples: firm payout windows around holidays

HolidayRequest onFirm and stepStated windowLatest day, weekends onlyLatest day, with Fed holiday
Columbus DayFri 9 Oct 2026Topstep: Internal payout approvalup to 3 business daysWed 14 Oct 2026Thu 15 Oct 2026
Columbus DayFri 9 Oct 2026Topstep: Wire/SWIFT after approval5 to 10 business daysFri 23 Oct 2026Mon 26 Oct 2026
Columbus DayFri 9 Oct 2026Topstep / Tradeify: ACH after approval1 to 3 business daysWed 14 Oct 2026Thu 15 Oct 2026
Columbus DayFri 9 Oct 2026The5ers: Processing after approvaltypically up to 3 business daysWed 14 Oct 2026Thu 15 Oct 2026
Columbus DayFri 9 Oct 2026Goat Funded Trader: Payout promisewithin 2 business daysTue 13 Oct 2026Wed 14 Oct 2026
Veterans DayTue 10 Nov 2026Topstep: Internal payout approvalup to 3 business daysFri 13 Nov 2026Mon 16 Nov 2026
Veterans DayTue 10 Nov 2026Topstep: Wire/SWIFT after approval5 to 10 business daysTue 24 Nov 2026Wed 25 Nov 2026
Veterans DayTue 10 Nov 2026Topstep / Tradeify: ACH after approval1 to 3 business daysFri 13 Nov 2026Mon 16 Nov 2026
Veterans DayTue 10 Nov 2026The5ers: Processing after approvaltypically up to 3 business daysFri 13 Nov 2026Mon 16 Nov 2026
Veterans DayTue 10 Nov 2026Goat Funded Trader: Payout promisewithin 2 business daysThu 12 Nov 2026Fri 13 Nov 2026
Thanksgiving DayWed 25 Nov 2026Topstep: Internal payout approvalup to 3 business daysMon 30 Nov 2026Tue 1 Dec 2026
Thanksgiving DayWed 25 Nov 2026Topstep: Wire/SWIFT after approval5 to 10 business daysWed 9 Dec 2026Thu 10 Dec 2026
Thanksgiving DayWed 25 Nov 2026Topstep / Tradeify: ACH after approval1 to 3 business daysMon 30 Nov 2026Tue 1 Dec 2026
Thanksgiving DayWed 25 Nov 2026The5ers: Processing after approvaltypically up to 3 business daysMon 30 Nov 2026Tue 1 Dec 2026
Thanksgiving DayWed 25 Nov 2026Goat Funded Trader: Payout promisewithin 2 business daysFri 27 Nov 2026Mon 30 Nov 2026
Christmas DayThu 24 Dec 2026Topstep: Internal payout approvalup to 3 business daysTue 29 Dec 2026Wed 30 Dec 2026
Christmas DayThu 24 Dec 2026Topstep: Wire/SWIFT after approval5 to 10 business daysThu 7 Jan 2027Mon 11 Jan 2027
Christmas DayThu 24 Dec 2026Topstep / Tradeify: ACH after approval1 to 3 business daysTue 29 Dec 2026Wed 30 Dec 2026
Christmas DayThu 24 Dec 2026The5ers: Processing after approvaltypically up to 3 business daysTue 29 Dec 2026Wed 30 Dec 2026
Christmas DayThu 24 Dec 2026Goat Funded Trader: Payout promisewithin 2 business daysMon 28 Dec 2026Tue 29 Dec 2026

Each row takes a request made on the last business day before the holiday and counts the firm’s maximum stated window forward, once skipping only weekends and once also skipping the Fed holiday. Real timing depends on when the firm approves the request, cut-off times, and your bank. Firm wording comes from our payout speed and methods dataset, checked on the firms’ own pages on 2 October 2026.

Download the dataCSV: 75 rows × 55 Fed holidays (2026 to 2030) with closure dates, plus 20 worked payout examples. Free to reuse with a link back.
Download CSV ↓

Sources

Method

We read the 11 holidays and 5 years in the Fed’s K.8 table and applied its footnotes: a Saturday holiday does not close the Federal Reserve Banks, and a Sunday holiday closes them on the Monday after. Business days are Monday to Friday minus those closures.

For the worked examples we used each firm’s longest stated window (for example 10 for “5 to 10 business days”) and started from the business day before each of the next four closures.

Caveats

These are not predictions of when any payout will arrive. Firms approve requests on their own schedules and many state windows that start only after approval. Some payment rails (crypto, Rise, PayPal) do not depend on Fed settlement at all.

The Fed can change its holiday schedule; check the K.8 page for the latest version.

How to cite this

How to cite · CC BY 4.0

Prop Data Lab, “Prop Firm Payout Holiday Calendar”, updated 12 October 2026, https://propdatalab.com/prop-firm-payout-holiday-calendar/

The table and the CSV are free to reuse under CC BY 4.0: copy, chart or republish them, commercial use included, as long as you link back to this page. Holiday dates are from the Federal Reserve Board.

Common questions

Is Columbus Day a bank holiday?

Yes. Columbus Day (12 October 2026) is on the Federal Reserve's list of holidays, and the Federal Reserve Banks are closed.

What are the remaining Fed holidays in 2026?

Veterans Day on 11 November, Thanksgiving on 26 November and Christmas on 25 December, per the Fed's K.8 table.

Do prop firm payouts process on bank holidays?

Firms we track state windows in business days but do not say which holiday calendar they use. US bank transfers through ACH and Fedwire do not settle on Fed holidays.

Does a Saturday holiday close the Fed?

No. When a holiday falls on a Saturday, the Federal Reserve Banks are open on the Friday before. When it falls on a Sunday, they close on the Monday after.