ACH Processing Calendar

Memorial Day is Monday, May 31st, 2021.

Memorial Day
Because Federal Reserve Banks and Kotapay will both be closed, ACH transactions cannot be dated for May 31st. Memorial Day is a non-processing holiday. To avoid additional charges or a delay in processing, please allow an extra day for processing.
May 2021
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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

DayProcessing Cutoff - Standard
Monday - Thursday10 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*

DayProcessing Cutoff
Monday - Friday2 pm CT
Wire required prior to 2 pm CT
*  Same Day ACH Fact Sheet  

ACH Processing (holiday) Calendar

Holiday202120222023
New Year's DayFri, Jan 1Sat, Jan 1 1Mon, Jan 2 2
Martin Luther King Jr. DayMon, Jan 18Mon, Jan 17Mon, Jan 16
President's DayMon, Feb 15Mon, Feb 21Mon, Feb 20
Memorial DayMon, May 31Mon, May 30Mon, May 29
Independence DayMon, Jul 5 2Mon, Jul 4Tue, Jul 4
Labor DayMon, Sep 6Mon, Sep 5Mon, Sep 4
Columbus DayMon, Oct 11Mon, Oct 10Mon, Oct 9
Veteran's DayThu, Nov 11Fri, Nov 11Sat, Nov 11 1
Thanksgiving DayThu, Nov 25Thu, Nov 24Thu, Nov 23
Christmas Eve/
Christmas Day 3		Sat, Dec 25 1,3Mon, Dec 26 2Mon, 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.