2026 ACH holiday schedule
Days when Federal Reserve Banks are closed and ACH does not process. 10 non-processing days in 2026, each with the last day an ACH file can be submitted and still settle before the closure, at all three settlement speeds.
| Holiday | Reserve Banks closed | Same Day ACH | Next Day ACH | Two Day ACH | Note |
|---|---|---|---|---|---|
| New Year's Day | Thursday, January 1, 2026 | Wed, Dec 31, 2025 | Tue, Dec 30, 2025 | Mon, Dec 29, 2025 | — |
| MLK Day | Monday, January 19, 2026 | Fri, Jan 16 | Thu, Jan 15 | Wed, Jan 14 | — |
| Presidents Day | Monday, February 16, 2026 | Fri, Feb 13 | Thu, Feb 12 | Wed, Feb 11 | — |
| Memorial Day | Monday, May 25, 2026 | Fri, May 22 | Thu, May 21 | Wed, May 20 | — |
| Juneteenth | Friday, June 19, 2026 | Thu, Jun 18 | Wed, Jun 17 | Tue, Jun 16 | — |
| Labor Day | Monday, September 7, 2026 | Fri, Sep 4 | Thu, Sep 3 | Wed, Sep 2 | — |
| Columbus Day | Monday, October 12, 2026 | Fri, Oct 9 | Thu, Oct 8 | Wed, Oct 7 | — |
| Veterans Day | Wednesday, November 11, 2026 | Tue, Nov 10 | Mon, Nov 9 | Fri, Nov 6 | — |
| Thanksgiving Day | Thursday, November 26, 2026 | Wed, Nov 25 | Tue, Nov 24 | Mon, Nov 23 | — |
| Christmas Day | Friday, December 25, 2026 | Thu, Dec 24 | Wed, Dec 23 | Tue, Dec 22 | — |
Saturday holidays in 2026
- Independence Day falls on Saturday, July 4. Reserve Banks stay open on Friday, July 3, and ACH processes normally.
How these dates are derived
Fixed-date holidays falling on a Saturday do not close Reserve Banks; the preceding Friday is a normal banking day. Fixed-date holidays falling on a Sunday move the closure to the following Monday. Holidays defined as the Nth weekday of a month always fall on a weekday, so no shift applies to MLK Day, Presidents Day, Memorial Day, Labor Day, Columbus Day, or Thanksgiving.
Asking about one holiday rather than the whole year? Every closure has its own answer under is ACH processing on a holiday.
Other years: 2027 · 2028 · 2029 · 2030. Without a year, see the eleven ACH holidays as recurring rules.
Running payroll against these dates? The 2026 payroll calendar lists all 24 semi-monthly paydays with the date each ACH file has to go out.
Every closure through 2030, in your calendar
This page answers one year. The calendar feed answers all of them: every ACH non-processing day through 2030, with payroll cutoff warnings, subscribed once into the calendar you already use. It updates itself, so there is nothing to check again.
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