ACH Processing Calendar

United States Federal Reserve Bank Holidays

Because Federal Reserve Banks will be closed on the following holidays, no ACH transactions can be processed. Please incorporate these dates into your processing windows like you would incorporate Saturdays and Sundays. If you have a question, please call us at (800) 378-3328.

Processing Times

DayProcessing Cutoff - StandardProcessing Cutoff -
Same Day
Monday - Thursday10 pm CT2 pm CT*
Friday  5 pm CT2 pm CT*
Sunday  3 pm CTN/A
  • Files received prior to the cutoff time will follow standard processing procedures.
  • Files uploaded on Saturday will be processed on Sunday
  • *Wire required prior to 2 pm CT
Need more info? Download our Same Day ACH Fact Sheet.

ACH Processing (Holiday) Calendar

Date/HolidayHours of OperationProcessing Notes
Monday, February 20th
Presidents' Day
8am - 10pm CTACH files can be uploaded but cannot be dated for February 20th. No returns or wires will be processed.
Monday, May 29th
Memorial Day
CLOSEDACH transactions cannot be dated for May 29th.*
Monday, June 19th
Juneteenth
8am – 10pm CTACH files can be uploaded but cannot be dated for June 19th. No returns or wires will be processed.
Tuesday, July 4th
Independence Day
CLOSEDACH transactions cannot be dated for July 4th
Monday, September 4th
Labor Day
CLOSEDACH transactions cannot be dated for September 4th.*
Monday, October 9th
Columbus Day
8am - 10pm CTACH files can be uploaded but cannot be dated for October 9th. No returns or wires will be processed.
Saturday, November 11th
Veteran's Day
CLOSEDACH transactions cannot be dated for November 11th
Thursday, November 23rd
Thanksgiving Day
CLOSEDACH transactions cannot be dated for November 23rd
Monday, December 25th
Christmas Day
CLOSEDACH transactions cannot be dated for December 25th
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
2024
2025
2026