ACH Processing Calendar

Veteran's Day is Thursday, November 11^th, 2021.

Because Federal Reserve Banks will be closed, ACH transactions cannot be dated for November 11^th. Veteran's Day is a non-processing holiday. To avoid additional charges or a delay in processing, please allow an extra day for processing.

October 2021
Su	Mo	Tu	We	Th	Fr	Sa
26	27	28	29	30	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	4	5	6

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	2021	2022	2023
New Year's Day	Fri, Jan 1	Sat, Jan 1¹	Mon, Jan 2²
Martin Luther King Jr. Day	Mon, Jan 18	Mon, Jan 17	Mon, Jan 16
President's Day	Mon, Feb 15	Mon, Feb 21	Mon, Feb 20
Memorial Day	Mon, May 31	Mon, May 30	Mon, May 29
Independence Day	Mon, Jul 5²	Mon, Jul 4	Tue, Jul 4
Labor Day	Mon, Sep 6	Mon, Sep 5	Mon, Sep 4
Columbus Day	Mon, Oct 11	Mon, Oct 10	Mon, Oct 9
Veteran's Day	Thu, Nov 11	Fri, Nov 11	Sat, Nov 11¹
Thanksgiving Day	Thu, Nov 25	Thu, Nov 24	Thu, Nov 23
Christmas Eve/ Christmas Day	Sat, Dec 25¹	Mon, Dec 26²	Mon, 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.