ACH Processing Calendar

Reminder Regarding High Dollar Payroll Files/Entries...

Reminder

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 28th, 2019.

Thanksgiving Day
Because Federal Reserve Banks and Kotapay will both be closed, ACH transactions cannot be dated for November 28th. Thanksgiving is a non-processing holiday. To avoid additional charges or a delay in processing, please allow an extra day for processing.
November 2019
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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 - Friday12 pm CT
Wire required prior to 12 pm CT
*  Same Day ACH Fact Sheet  

ACH Processing (holiday) Calendar

Holiday201920202021
New Year's DayTue, Jan 1Wed, Jan 1Fri, Jan 1
Martin Luther King Jr. DayMon, Jan 21Mon, Jan 20Mon, Jan 18
President's DayMon, Feb 18Mon, Feb 17Mon, Feb 15
Memorial DayMon, May 27Mon, May 25Mon, May 31
Independence DayThu, Jul 4Sat, Jul 4 1Mon, Jul 5 2
Labor DayMon, Sep 2Mon, Sep 7Mon, Sep 6
Columbus DayMon, Oct 14Mon, Oct 12Mon, Oct 11
Veteran's DayMon, Nov 11Wed, Nov 11Thu, Nov 11
Thanksgiving DayThu, Nov 28Thu, Nov 26Thu, Nov 25
Christmas Eve/
Christmas Day 3
Wed, Dec 25 3Fri, Dec 25Sat, Dec 25 1

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. CST on Christmas Eve, December 24th thru Christmas Day, the 25th.