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

Thursday, July 4th
Independence Day
CLOSED
ACH transactions cannot be dated for July 4th
Monday, September 2nd
Labor Day
CLOSED
ACH transactions cannot be dated for September 2nd*
Monday, October 14th
Columbus Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for October 14th. No returns or wires will be processed.
Monday, November 11th
Veteran's Day
8am - 10pm CT
ACH files can be uploaded but cannot be dated for November 11th. No returns or wires will be processed.
Thursday, November 28th
Thanksgiving Day
CLOSED
ACH transactions cannot be dated for November 28th
Tuesday, December 24th
Christmas Eve
8am - 12pm CT
File cut-off time is 12:00pm CT. Files received after 12:00 on December 24th will be processed on Thursday, December 26th.
Wednesday, December 25th
Christmas Day
CLOSED
ACH transactions cannot be dated for December 25th
Tuesday, December 31st
New Year's Eve
8am – 10pm CT
ACH transactions cannot be dated for January 1st.
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
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