ACH Clock

Is ACH processing on a federal holiday?

No, on the nine to eleven days a year Federal Reserve Banks close. There are eleven federal holidays, but the count of closures moves, and that is the exception which catches people out: a holiday falling on a Saturday does not close Reserve Banks at all, so ACH runs normally that week. Every date below links to the full answer for that day.

Federal holidays ahead, whether ACH processes, and the last day to submit a file that settles before each closure
HolidayDateACH processing?Same Day ACHNext Day ACHTwo Day ACH
Veterans Day 2026Wednesday, November 11, 2026No — Reserve Banks closedTue, Nov 10, 2026Mon, Nov 9, 2026Fri, Nov 6, 2026
Thanksgiving Day 2026Thursday, November 26, 2026No — Reserve Banks closedWed, Nov 25, 2026Tue, Nov 24, 2026Mon, Nov 23, 2026
Christmas Day 2026Friday, December 25, 2026No — Reserve Banks closedThu, Dec 24, 2026Wed, Dec 23, 2026Tue, Dec 22, 2026
New Year's Day 2027Friday, January 1, 2027No — Reserve Banks closedThu, Dec 31, 2026Wed, Dec 30, 2026Tue, Dec 29, 2026
MLK Day 2027Monday, January 18, 2027No — Reserve Banks closedFri, Jan 15, 2027Thu, Jan 14, 2027Wed, Jan 13, 2027
Presidents Day 2027Monday, February 15, 2027No — Reserve Banks closedFri, Feb 12, 2027Thu, Feb 11, 2027Wed, Feb 10, 2027
Memorial Day 2027Monday, May 31, 2027No — Reserve Banks closedFri, May 28, 2027Thu, May 27, 2027Wed, May 26, 2027
Juneteenth 2027Saturday, June 19, 2027No closure — the Friday before is a normal banking dayNo closure, so no earlier deadline
Independence Day 2027Monday, July 5, 2027No — Reserve Banks closedFri, Jul 2, 2027Thu, Jul 1, 2027Wed, Jun 30, 2027
Labor Day 2027Monday, September 6, 2027No — Reserve Banks closedFri, Sep 3, 2027Thu, Sep 2, 2027Wed, Sep 1, 2027
Columbus Day 2027Monday, October 11, 2027No — Reserve Banks closedFri, Oct 8, 2027Thu, Oct 7, 2027Wed, Oct 6, 2027
Veterans Day 2027Thursday, November 11, 2027No — Reserve Banks closedWed, Nov 10, 2027Tue, Nov 9, 2027Mon, Nov 8, 2027
Thanksgiving Day 2027Thursday, November 25, 2027No — Reserve Banks closedWed, Nov 24, 2027Tue, Nov 23, 2027Mon, Nov 22, 2027
Christmas Day 2027Saturday, December 25, 2027No closure — the Friday before is a normal banking dayNo closure, so no earlier deadline

Dates that have already gone by

These answers are a matter of record and do not change, so the pages stay up: Labor Day 2026 · Columbus Day 2026.

Why the Reserve Bank calendar is the only one that counts

ACH settles when Federal Reserve Banks are open, so branch hours and the federal office calendar are both beside the point. Reserve Banks close on weekends and on the eleven federal holidays, with two observance rules that decide the awkward cases. A fixed-date holiday landing on a Saturday does not close them, and the Friday before is a full banking day. A fixed-date holiday landing on a Sunday moves the closure to the following Monday. Holidays defined as the Nth weekday of a month always land midweek, so neither rule applies to them.

Get a date instead of a rule

For a specific file, use the settlement date calculator. Working backwards from a payday you have to hit, use the payroll cutoff calculator. For today only, check whether the Fed is open today.

Full schedules by year

2026 ACH holiday schedule · 2027 ACH holiday schedule · 2028 ACH holiday schedule · 2029 ACH holiday schedule · 2030 ACH holiday schedule. For the rules behind all of them, see ACH holidays.