Is ACH processing on Christmas Day 2026?
No. Federal Reserve Banks are closed on Friday, December 25, 2026, so no ACH files are processed and nothing settles that day.
| Reserve Banks closed | Friday, December 25, 2026 |
|---|---|
| Last banking day before | Thursday, December 24, 2026 |
| Next banking day after | Saturday, December 26, 2026 |
| Why | Reserve Banks are closed. |
What this means for payroll
Anything that would have settled on Friday, December 25, 2026 moves to the next banking day. If employees must be paid on or before that date, work backwards from Thursday, December 24, 2026 instead.
Use the payroll cutoff calculator to get your exact submission date, or the settlement calculator to check a specific file.
Every 2026 closure
See the full 2026 ACH holiday schedule, or check whether the Fed is open today.
The closures either side of this one
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