2029 ACH holiday schedule
Days when Federal Reserve Banks are closed and ACH does not process. 11 non-processing days in 2029, 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 | Monday, January 1, 2029 | Fri, Dec 29, 2028 | Thu, Dec 28, 2028 | Wed, Dec 27, 2028 | — |
| MLK Day | Monday, January 15, 2029 | Fri, Jan 12 | Thu, Jan 11 | Wed, Jan 10 | — |
| Presidents Day | Monday, February 19, 2029 | Fri, Feb 16 | Thu, Feb 15 | Wed, Feb 14 | — |
| Memorial Day | Monday, May 28, 2029 | Fri, May 25 | Thu, May 24 | Wed, May 23 | — |
| Juneteenth | Tuesday, June 19, 2029 | Mon, Jun 18 | Fri, Jun 15 | Thu, Jun 14 | — |
| Independence Day | Wednesday, July 4, 2029 | Tue, Jul 3 | Mon, Jul 2 | Fri, Jun 29 | — |
| Labor Day | Monday, September 3, 2029 | Fri, Aug 31 | Thu, Aug 30 | Wed, Aug 29 | — |
| Columbus Day | Monday, October 8, 2029 | Fri, Oct 5 | Thu, Oct 4 | Wed, Oct 3 | — |
| Veterans Day | Monday, November 12, 2029 | Fri, Nov 9 | Thu, Nov 8 | Wed, Nov 7 | Observed. Actual holiday falls on a Sunday |
| Thanksgiving Day | Thursday, November 22, 2029 | Wed, Nov 21 | Tue, Nov 20 | Mon, Nov 19 | — |
| Christmas Day | Tuesday, December 25, 2029 | Mon, Dec 24 | Fri, Dec 21 | Thu, Dec 20 | — |
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 · 2028 · 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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