Paycheck Early Calendar 2026: Submit Payroll Before Cut-Off Times
Cut-off times updated ET
Payday landing on a Monday holiday? Submit payroll before the cut-off and get paid on time—no late fees, no stress. See our complete 2026 holiday schedule for full bank closure details. This calendar shows exact payroll deadlines for ADP, Gusto, Paychex, and QuickBooks. Bookmark this page and never miss a deadline again.
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| Holiday | Date (Banks Closed) | Payroll Cut-Off | Direct Deposit Arrives |
|---|---|---|---|
| New Year's Day | Thursday, Jan 1 |
Wed, Dec 31 @ 2 PM EST
|
Friday, Jan 2 |
| MLK Day | Monday, Jan 19 |
Fri, Jan 16 @ 2 PM EST
|
Tuesday, Jan 20 |
| Presidents Day | Monday, Feb 16 |
Fri, Feb 13 @ 2 PM EST
|
Tuesday, Feb 17 |
| Memorial Day | Monday, May 25 |
Fri, May 22 @ 2 PM EST
|
Tuesday, May 26 |
| Juneteenth | Friday, Jun 19 |
Thu, Jun 18 @ 2 PM EST
|
Monday, Jun 22 |
| Independence Day | Friday, Jul 3 (Observed) |
Thu, Jul 2 @ 2 PM EST
|
Monday, Jul 6 |
| Labor Day | Monday, Sep 7 |
Fri, Sep 4 @ 2 PM EST
|
Tuesday, Sep 8 |
| Columbus Day | Monday, Oct 12 |
Fri, Oct 9 @ 2 PM EST
|
Tuesday, Oct 13 |
| Veterans Day | Wednesday, Nov 11 |
Tue, Nov 10 @ 2 PM EST
|
Thursday, Nov 12 |
| Thanksgiving | Thursday, Nov 26 |
Wed, Nov 25 @ 2 PM EST
|
Friday, Nov 27 |
| Christmas Day | Friday, Dec 25 |
Thu, Dec 24 @ 2 PM EST
|
Monday, Dec 28 |
Embed This Calendar on Your HR Blog
Help your readers avoid payroll delays. Copy this code to embed our paycheck calendar widget on your website. Updates automatically and it's completely free.
<iframe src="https://bankopen.today/embed/paycheck-calendar" width="100%" height="600" frameborder="0"></iframe>
Includes backlink to bankopen.today
ADP & Paychex
Submit payroll by 2 PM EST the business day before a holiday. Late submissions process on the next banking day, delaying employee deposits by 24-48 hours.
Gusto & QuickBooks
Gusto recommends four business days before payday. QuickBooks requires submission by 5 PM EST two days before the holiday to guarantee on-time deposits.