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.
To avoid delays, please allow an extra day for processing if a holiday falls within your processing window.
Processing Times
Day
Standard Cutoff
Same Day Cutoff
Monday - Thursday
10:00 p.m. CT
2:00 p.m. CT*
Friday
5:00 p.m. CT
2:00 p.m. CT*
Sunday
3:00 p.m. 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 2:00 p.m. CT.
View our Same Day ACH Fact Sheet for more information.
ACH Processing (Holiday) Calendar
Date/Holiday
Hours of Operation
Processing Notes
Monday, January 19
Birthday of Martin Luther King, Jr.
OFFICE CLOSED (Operations available 3:00 - 6:00 p.m. CT)
ACH files cannot be dated for January 19 and no wires or returns will be processed. Files uploaded after 6:00 p.m. will be processed the following business day. Please allow an extra day for processing if the holiday falls within your processing window.
Monday, February 16
Presidents' Day
CLOSED
ACH files cannot be dated for February 16.*
Monday, May 25
Memorial Day
CLOSED
ACH transactions cannot be dated for May 26*
Friday, June 19
Juneteenth
8:00 a.m. - 10:00 p.m. CT
ACH files can be uploaded but cannot be dated for June 19th. No returns or wires will be processed.
Friday, July 3
Independence Day (Observed)
CLOSED
Saturday, July 4
Independence Day
CLOSED
ACH transactions cannot be dated for July 4
Monday, September 7
Labor Day
CLOSED
Monday, October 12
Columbus Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for October 12th. No returns or wires will be processed.
Wednesday, November 11
Veteran's Day
CLOSED
ACH files cannot be dated for November 11. No returns or wires will be processed.
Thursday, November 26
Thanksgiving Day
CLOSED
Thursday, December 24
Christmas Eve
8:00 a.m. – 12:00 p.m. CT
File cut-off time is 12:00 p.m. CT. Files received after 12:00 will be processed on Monday, December 28.
Friday, December 25
Christmas Day
CLOSED
Thursday, December 31
New Year's Eve
8am – 12pm CT
File cut-off time is 12:00pm CT. Files received after 12:00 on December 31st will be processed on Monday, January 4th.
*No returns or wires will be processed. Kotapay Operations is available 12-3pm CT.
