ACH Processing Calendar

Independence Day is Monday, July 4th, 2022.

4th of July
Independence Day is a non-processing holiday so ACH transactions cannot be dated for July 4th. The Federal Reserve and Kotapay will both be closed. To avoid additional charges or a delay in processing, please allow an extra day for processing.
June 2022
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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 - Standard

DayProcessing Cutoff - Standard
Monday - Thursday10 pm CT
Friday  6 pm CT
Sunday  3 pm CT
Files uploaded on Saturday will be processed on Sunday
Files received prior to the cutoff time will follow standard processing procedures.

Processing Times - Same Day*

DayProcessing Cutoff
Monday - Friday2 pm CT
Wire required prior to 2 pm CT
*  Same Day ACH Fact Sheet  

ACH Processing (holiday) Calendar

Holiday202220232024
New Year's DaySat, Jan 11Mon, Jan 22Mon, Jan 1
Martin Luther King Jr. DayMon, Jan 17Mon, Jan 16Mon, Jan 15
President's DayMon, Feb 21Mon, Feb 20Mon, Feb 19
Memorial DayMon, May 30Mon, May 29Mon, May 27
JuneteenthMon, Jun 202Mon, Jun 19Wed, Jun 19
Independence DayMon, Jul 4Tue, Jul 4Thu, Jul 4
Labor DayMon, Sep 5Mon, Sep 4Mon, Sep 2
Columbus DayMon, Oct 10Mon, Oct 9Mon, Oct 14
Veteran's DayFri, Nov 11Sat, Nov 111Mon, Nov 11
Thanksgiving DayThu, Nov 24Thu, Nov 23Thu, Nov 28

Christmas Day
Mon, Dec 262Mon, Dec 25Wed, Dec 25

1  For holidays falling on Saturday, Federal Reserve Banks and branches will be open the preceding Friday.
2  For holidays falling on Sunday, all Federal Reserve offices will be closed the following Monday.