ACH Processing Calendar

Reminder Regarding High Dollar Payroll Files/Entries...


As year-end approaches, please keep in mind the following procedures associated with processing high dollar payroll-related files and entries:

Thanksgiving Day is Thursday, November 26th, 2020.

Thanksgiving Day
Because Federal Reserve Banks and Kotapay will both be closed, ACH transactions cannot be dated for November 26th. Thanksgiving is a non-processing holiday. To avoid additional charges or a delay in processing, please allow an extra day for processing.

Important Notice Regarding Christmas Processing Hours

Kotapay will be closed from 1:00 P.M. CT on Christmas Eve, Dec. 24th thru Christmas Day, Dec. 25th.
ACH files need to be uploaded by 1 P.M. to be dated for Thursday, Dec. 24th. Files uploaded after 1:00 P.M. on Thursday, Dec. 24th, will not be processed until Monday, December 28th. To avoid additional charges or a delay in processing, please allow extra time for processing.
November 2020

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 - Friday12 pm CT
Wire required prior to 12 pm CT
*  Same Day ACH Fact Sheet  

ACH Processing (holiday) Calendar

New Year's DayWed, Jan 1Fri, Jan 1Sat, Jan 1 1
Martin Luther King Jr. DayMon, Jan 20Mon, Jan 18Mon, Jan 17
President's DayMon, Feb 17Mon, Feb 15Mon, Feb 21
Memorial DayMon, May 25Mon, May 31Mon, May 30
Independence DaySat, Jul 4 1Mon, Jul 5 2Mon, Jul 4
Labor DayMon, Sep 7Mon, Sep 6Mon, Sep 5
Columbus DayMon, Oct 12Mon, Oct 11Mon, Oct 10
Veteran's DayWed, Nov 11Thu, Nov 11Fri, Nov 11
Thanksgiving DayThu, Nov 26Thu, Nov 25Thu, Nov 24
Christmas Eve/
Christmas Day 3
Fri, Dec 25 3Sat, Dec 25 1Mon, Dec 26 2

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.
3  Kotapay will be closed from 1:00 P.M. CS on Christmas Eve, December 24th thru Christmas Day, the 25th.