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


Standard Cutoff

Same Day Cutoff

Monday - Thursday

10 pm CT

2 pm CT*


5 pm CT

2 pm CT*


3 pm CT


  • 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


Hours of Operation

Processing Notes

Monday, December 25th
Christmas Day
ACH transactions cannot be dated for December 25th.*
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
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