How US Federal Holidays affect scheduled payments on Melio

  • Updated

The US has 11 Federal Holidays a year as designated by the U.S. Federal Reserve System (The Fed). All ACH bank transfers rely on The Fed, and can’t be processed on a Federal Holiday. 

Payments to vendors via Melio that are scheduled for a Federal Holiday, or the 3 following days, will be delayed by 1 day. 


A list of the US Federal Holidays

New Years Day

January 1st

Martin Luther King, Jr. Day

Third Monday in January

President’s Day

Third Monday in February

Memorial Day

Last Monday in May


June 19th

Independence Day

July 4th

Labor Day

First Monday in September

Columbus Day

Second Monday in October

Veterans Day

November 11th

Thanksgiving Day

Fourth Thursday in November

Christmas Day

December 25th


We suggest scheduling payments a few days early when a Federal Holiday is coming up.

When scheduling your payment deduction date, Federal Holiday dates will be blocked on the Melio calendar. 



NOTE: Federal Holidays that fall on a Saturday or Sunday

5 Federal Holidays have fixed dates and occasionally fall on a weekend. A holiday that falls on a Sunday is observed the following Monday and one that falls on a Saturday means some banks may be closed the Friday before. 

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