ACH Processing Calendar

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

DayProcessing Cutoff - StandardProcessing Cutoff -
Same Day
Monday - Thursday10 pm CT2 pm CT*
Friday  6 pm CT2 pm CT*
Sunday  3 pm CTN/A
  • Files received prior to the cutoff time will follow standard processing procedures.
  • Files uploaded on Saturday will be processed on Sunday
  • *Wire required prior to 2 pm CT
Need more info? Download our Same Day ACH Fact Sheet.

ACH Processing (Holiday) Calendar

Date/HolidayHours of OperationProcessing Notes
Monday, May 30th
Memorial Day
CLOSEDACH transactions cannot be dated for May 30th.*
Monday, June 20th
Juneteenth (Observed)
8am - 10pm CTACH files can be uploaded but cannot be dated for June 20th. No returns or wires will be processed.
Monday, July 4th
Independence Day
CLOSEDACH transactions cannot be dated for July 4th.*
Monday, September 5th
Labor Day
CLOSEDACH transactions cannot be dated for September 5th.*
Monday, October 10th
Columbus Day
8am - 10pm CTACH files can be uploaded but cannot be dated for October 10th. No returns or wires will be processed.
Friday, November 11th
Veteran's Day
8am – 6pm CTACH files can be uploaded but cannot be dated for November 11th. No returns or wires will be processed.
Thursday, November 24th
Thanksgiving Day
CLOSEDACH transactions cannot be dated for November 24th.
Monday, December 26th
Christmas Holiday (Observed)
CLOSEDACH transactions cannot be dated for December 26th.*
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
2023
2024
2025