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

Day

Standard Cutoff

Same Day Cutoff

Monday - Thursday

10 pm CT

2 pm CT*

Friday

5 pm CT

2 pm CT*

Sunday

3 pm CT

N/A

  • 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

Date/Holiday

Hours of Operation

Processing Notes

Monday, October 9th
Columbus Day
8am - 10pm CT
ACH files can be uploaded but cannot be dated for October 9th. No returns or wires will be processed.
Saturday, November 11th
Veteran's Day
CLOSED
ACH transactions cannot be dated for November 11th
Thursday, November 23rd
Thanksgiving Day
CLOSED
ACH transactions cannot be dated for November 23rd
Monday, December 25th
Christmas Day
CLOSED
ACH transactions cannot be dated for December 25th.*
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
2024
2025
2026
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Kotapay, a division of First International Bank & Trust, partners with BASYS Processing for credit card and debit card processing services.
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