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 19th
Birthday of Martin Luther King, Jr.
CLOSED
ACH files cannot be dated for January 19.
Monday, February 16th
Presidents' Day
CLOSED
ACH files cannot be dated for February 16.*
Monday, May 25th
Memorial Day
CLOSED
ACH transactions cannot be dated for May 26*
Friday, June 19th
Juneteenth
8:00 a.m. - 10:00 p.m. CT
ACH files can be uploaded but cannot be dated for June 19th. No returns or wires will be processed.
Friday, July 3rd
Independence Day (Observed)
CLOSED
Saturday, July 4th
Independence Day
CLOSED
ACH transactions cannot be dated for July 4th
Monday, September 7th
Labor Day
CLOSED
Monday, October 12th
Columbus Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for October 12th. No returns or wires will be processed.
Wednesday, November 11th
Veteran's Day
CLOSED
ACH files cannot be dated for November 11. No returns or wires will be processed.
Thursday, November 26th
Thanksgiving Day
CLOSED
Thursday, December 24th
Christmas Eve
8:00 a.m. – 12:00 p.m. CT
File cut-off time is 12:00 p.m. CT. Files received after 12:00 will be processed on Monday, December 28.
Friday, December 25th
Christmas Day
CLOSED
Thursday, December 31st
New Year's Eve
8am – 12pm CT
File cut-off time is 12:00pm CT. Files received after 12:00 on December 31st will be processed on Monday, January 4th.
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
