ACH Clock

Is the Fed open today?

Whether Reserve Banks are open today, and what that means for settlement.

ACH processes on any weekday that is not a federal holiday.
Reserve Banks are closed every Saturday and Sunday, so ACH settles on neither.
Next closure: for Veterans Day. What that means for a file submitted around it.

What determines processing

Branch hours have nothing to do with it. ACH settles when Federal Reserve Banks are open, so that is the only calendar that matters. Reserve Banks close on weekends and on the eleven federal holidays, with one exception: a holiday on a Saturday does not close them, and a holiday on a Sunday closes them the following Monday instead.

Need the general timing rules instead of today's status? See how long an ACH transfer takes. Asking about a particular holiday rather than today? Every federal closure is answered under is ACH processing on a holiday.