2028 ACH holiday schedule
Days when Federal Reserve Banks are closed and ACH does not process. 9 non-processing days in 2028, 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 |
|---|---|---|---|---|---|
| MLK Day | Monday, January 17, 2028 | Fri, Jan 14 | Thu, Jan 13 | Wed, Jan 12 | — |
| Presidents Day | Monday, February 21, 2028 | Fri, Feb 18 | Thu, Feb 17 | Wed, Feb 16 | — |
| Memorial Day | Monday, May 29, 2028 | Fri, May 26 | Thu, May 25 | Wed, May 24 | — |
| Juneteenth | Monday, June 19, 2028 | Fri, Jun 16 | Thu, Jun 15 | Wed, Jun 14 | — |
| Independence Day | Tuesday, July 4, 2028 | Mon, Jul 3 | Fri, Jun 30 | Thu, Jun 29 | — |
| Labor Day | Monday, September 4, 2028 | Fri, Sep 1 | Thu, Aug 31 | Wed, Aug 30 | — |
| Columbus Day | Monday, October 9, 2028 | Fri, Oct 6 | Thu, Oct 5 | Wed, Oct 4 | — |
| Thanksgiving Day | Thursday, November 23, 2028 | Wed, Nov 22 | Tue, Nov 21 | Mon, Nov 20 | — |
| Christmas Day | Monday, December 25, 2028 | Fri, Dec 22 | Thu, Dec 21 | Wed, Dec 20 | — |
Saturday holidays in 2028
- New Year's Day falls on Saturday, January 1. Reserve Banks stay open on Friday, December 31, and ACH processes normally.
- Veterans Day falls on Saturday, November 11. Reserve Banks stay open on Friday, November 10, 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: 2026 · 2027 · 2029 · 2030. Without a year, see the eleven ACH holidays as recurring rules.
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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