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.
To avoid delays, please allow an extra day for processing if a holiday falls within your processing window.
Processing Times
Day
Standard Cutoff
Same Day Cutoff
Monday - Thursday
10:00 p.m. CT
2:00 p.m. CT*
Friday
5:00 p.m. CT
2:00 p.m. CT*
Sunday
3:00 p.m. 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 2:00 p.m. CT.
View our Same Day ACH Fact Sheet for more information.
ACH Processing (Holiday) Calendar
Date/Holiday
Hours of Operation
Processing Notes
Monday, January 19
Birthday of Martin Luther King, Jr.
OFFICE CLOSED (Operations available 3:00 - 6:00 p.m. CT)
ACH files cannot be dated for January 19 and no wires or returns will be processed. Files uploaded after 6:00 p.m. will be processed the following business day. Please allow an extra day for processing if the holiday falls within your processing window.
Monday, February 16
Presidents' Day
OFFICE CLOSED (Operations available 12:00 - 3:00 p.m. CT)
Kotapay Operations will be here to assist you on February 16 from 12:00 p.m. – 3:00 p.m. CT. Files uploaded after 3:00 p.m. will be processed the next business day. ACH transactions cannot be dated for February 16, and wires or returns will not be processed. Please allow an extra day if the holiday affects your processing schedule.
Monday, May 25
Memorial Day
OFFICE CLOSED (Operations available 12:00 - 3:00 p.m. CT)
Kotapay Operations will be available on May 25 from 12:00 p.m. – 3:00 p.m. CT. Files uploaded after 3:00 p.m. will be processed the following business day. ACH transactions cannot be dated for May 25, and wires or returns will not be processed. If the holiday falls within your processing window, please allow an extra day.
Friday, June 19
Juneteenth
8:00 a.m. - 10:00 p.m. CT
Kotapay will remain open during normal business hours on June 19. ACH transactions cannot be dated for this day, and wires or returns will not be processed. Please allow an extra day for processing if the holiday falls within your processing window.
Saturday, July 4
Independence Day
CLOSED
ACH transactions cannot be dated for July 4
Monday, September 7
Labor Day
OFFICE CLOSED (Operations available 12:00 - 3:00 p.m. CT)
Kotapay Operations will be available on September 7 from 12:00 p.m. – 3:00 p.m. CT. Files uploaded after 3:00 p.m. will be processed the next business day. ACH transactions cannot be dated for September 7, and wires or returns will not be processed. Please allow an extra day if the holiday affects your processing window.
Monday, October 12
Columbus Day
8:00 a.m. - 10:00 p.m. CT
Kotapay will remain open on October 12, and files uploaded will be processed the following business day. ACH transactions cannot be dated for October 12, and wires or returns will not be processed. Please allow an extra day for processing if the holiday falls within your schedule.
Wednesday, November 11
Veteran's Day
OFFICE CLOSED (Operations available 12:00 - 3:00 p.m. CT)
Kotapay Operations will be available on November 11 from 12:00 p.m. – 3:00 p.m. CT. Files uploaded after 3:00 p.m. will be processed the next business day. ACH transactions cannot be dated for November 11, and wires or returns will not be processed. Please allow an extra day if the holiday affects your processing window.
Thursday, November 26
Thanksgiving Day
OFFICE CLOSED
Please note that ACH transactions cannot be dated for November 26, and wires or returns will not be processed. Allow an extra day for processing if the holiday falls within your schedule.
Thursday, December 24
Christmas Eve
8:00 a.m. – 12:00 p.m. CT
On December 24, the file cut-off time is 12:00 p.m. CT. Files received after noon will be processed on Monday, December 28.
Friday, December 25
Christmas Day
OFFICE CLOSED
ACH transactions cannot be dated for December 25, and wires or returns will not be processed. Please allow an extra day for processing if the holiday falls within your schedule.
Thursday, December 31
New Year's Eve
8:00 a.m. - 5:00 p.m. CT
Wire cut-off time is 2:00 p.m. CT. ACH processing will resume as normal.
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
