ACH Processing Calendar

Labor Day is Monday, September 5^th, 2022.

Labor Day is a non-processing holiday so ACH transactions cannot be dated for September 5^th. Kotapay will be open, however the Federal Reserve will be closed. To avoid additional charges or a delay in processing, please allow an extra day for processing.

August 2022
Su	Mo	Tu	We	Th	Fr	Sa
31	1	2	3	4	5	6
7	8	9	10	11	12	13
14	15	16	17	18	19	20
21	22	23	24	25	26	27
28	29	30	31	1	2	3

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 - Standard

Day	Processing Cutoff - Standard
Monday - Thursday	10 pm CT
Friday	6 pm CT
Sunday	3 pm CT
Files uploaded on Saturday will be processed on Sunday
Files received prior to the cutoff time will follow standard processing procedures.

Processing Times - Same Day^*

Day	Processing Cutoff
Monday - Friday	2 pm CT
Wire required prior to 2 pm CT
^* Same Day ACH Fact Sheet

ACH Processing (holiday) Calendar

Holiday	2022	2023	2024
New Year's Day	Sat, Jan 1¹	Mon, Jan 2²	Mon, Jan 1
Martin Luther King Jr. Day	Mon, Jan 17	Mon, Jan 16	Mon, Jan 15
President's Day	Mon, Feb 21	Mon, Feb 20	Mon, Feb 19
Memorial Day	Mon, May 30	Mon, May 29	Mon, May 27
Juneteenth	Mon, Jun 20²	Mon, Jun 19	Wed, Jun 19
Independence Day	Mon, Jul 4	Tue, Jul 4	Thu, Jul 4
Labor Day	Mon, Sep 5	Mon, Sep 4	Mon, Sep 2
Columbus Day	Mon, Oct 10	Mon, Oct 9	Mon, Oct 14
Veteran's Day	Fri, Nov 11	Sat, Nov 11¹	Mon, Nov 11
Thanksgiving Day	Thu, Nov 24	Thu, Nov 23	Thu, Nov 28
Christmas Day	Mon, Dec 26²	Mon, Dec 25	Wed, Dec 25

¹ For holidays falling on Saturday, Federal Reserve Banks and branches will be open the preceding Friday.
² For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday.