ACH Processing Calendar
Labor Day is Monday, September 7th, 2020.
Because Federal Reserve Banks and Kotapay will both be closed, ACH transactions cannot be dated for September 7th.
Labor Day is a non-processing holiday. To avoid additional charges or a delay in processing, please allow an extra day for processing.
August 2020 | ||||||
|---|---|---|---|---|---|---|
| Su | Mo | Tu | We | Th | Fr | Sa |
| 26 | 27 | 28 | 29 | 30 | 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 | 4 | 5 |
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 | 12 pm CT |
| Wire required prior to 12 pm CT | |
| * Same Day ACH Fact Sheet | |
ACH Processing (holiday) Calendar
| Holiday | 2020 | 2021 | 2022 |
|---|---|---|---|
| New Year's Day | Wed, Jan 1 | Fri, Jan 1 | Sat, Jan 1 1 |
| Martin Luther King Jr. Day | Mon, Jan 20 | Mon, Jan 18 | Mon, Jan 17 |
| President's Day | Mon, Feb 17 | Mon, Feb 15 | Mon, Feb 21 |
| Memorial Day | Mon, May 25 | Mon, May 31 | Mon, May 30 |
| Independence Day | Sat, Jul 4 1 | Mon, Jul 5 2 | Mon, Jul 4 |
| Labor Day | Mon, Sep 7 | Mon, Sep 6 | Mon, Sep 5 |
| Columbus Day | Mon, Oct 12 | Mon, Oct 11 | Mon, Oct 10 |
| Veteran's Day | Wed, Nov 11 | Thu, Nov 11 | Fri, Nov 11 |
| Thanksgiving Day | Thu, Nov 26 | Thu, Nov 25 | Thu, Nov 24 |
| Christmas Eve/ Christmas Day 3 | Fri, Dec 25 3 | Sat, Dec 25 1 | Mon, Dec 26 2 |
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.
3 Kotapay will be closed from 1:00 P.M. CS on Christmas Eve, December 24th thru Christmas Day, the 25th.
2 For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday.
3 Kotapay will be closed from 1:00 P.M. CS on Christmas Eve, December 24th thru Christmas Day, the 25th.