ACH Processing Calendar
Labor Day is Monday, September 5th, 2022.

Labor Day is a non-processing holiday so ACH transactions cannot be dated for September 5th.
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.
2 For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday.