ACH Processing Calendar
United States Federal Reserve Bank Holidays
The Federal Reserve Banks will be closed and ACH transactions cannot be dated for the following Federal Holidays. Please incorporate these dates into your processing windows like you would incorporate Saturdays and Sundays. If you have any questions, please call us at (800) 378-3328.
Processing Times
Day
Standard Cutoff
Same Day Cutoff
Monday - Thursday
10 pm CT
2 pm CT*
Friday
5 pm CT
2 pm CT*
Sunday
3 pm CT
N/A
- Files received prior to the cutoff time will follow standard processing procedures.
- Files uploaded on Saturday will be processed on Sunday.
- *A Wire is required prior to 2 pm CT.
View our Same Day ACH Fact Sheet for more information.
ACH Processing (Holiday) Calendar
Date/Holiday
Hours of Operation
Processing Notes
Monday, January 20th
Birthday of Martin Luther King, Jr.
8am – 10pm CT
ACH files can be uploaded but cannot be dated for January 20th. No returns or wires will be processed.
Monday, February 17th
Presidents' Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for February 17th. No returns or wires will be processed
Monday, May 26th
Memorial Day
CLOSED
CLOSED
ACH transactions cannot be dated for May 26th*
Thursday, June 19th
Juneteenth
8am - 10pm CT
ACH files can be uploaded but cannot be dated for June 19th. No returns or wires will be processed.
Friday, July 4th
Independence Day
CLOSED
ACH transactions cannot be dated for July 4th
Monday, September 1st
Labor Day
CLOSED
ACH transactions cannot be dated for September 1st
Monday, October 13th
Columbus Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for October 13th. No returns or wires will be processed.
Tuesday, November 11th
Veteran's Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for November 11th. No returns or wires will be processed.
Thursday, November 27th
Thanksgiving Day
CLOSED
ACH transactions cannot be dated for November 27th
Thursday, December 25th
Christmas Day
CLOSED
ACH transactions cannot be dated for December 25th
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
