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, September 1st
Labor Day
CLOSED
CLOSED
ACH transactions cannot be dated for September 1st.* Please plan ahead to allow an extra day for processing if the holiday falls within your processing window.
Monday, October 13th
Columbus Day
8am – 10pm CT
ACH files can be uploaded but cannot be dated for October 13th. No returns or wires will be processed.
Tuesday, 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 27th
Thanksgiving Day
CLOSED
ACH transactions cannot be dated for November 27th
Thursday, 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.
