ACH Clock

Is ACH processing on Independence Day 2027?

No. Federal Reserve Banks are closed on , so no ACH files are processed and nothing settles that day.

ACH timing around Independence Day 2027
Reserve Banks closedMonday, July 5, 2027
Last banking day beforeFriday, July 2, 2027
Next banking day afterTuesday, July 6, 2027
WhyFalls on a Sunday, so Reserve Banks close the following Monday.

What this means for payroll

Anything that would have settled on Monday, July 5, 2027 moves to the next banking day. If employees must be paid on or before that date, the file needs to settle on Friday, July 2, 2027 instead.

That does not mean one submission date. Friday, July 2, 2027 is the last banking day before the closure, but the day you must send the file depends on how fast your ACH settles.

Last day to submit a file that settles before the closure
ACH speedSubmit bySettles
Same Day ACHFriday, July 2, 2027Friday, July 2, 2027
Next Day ACHThursday, July 1, 2027Friday, July 2, 2027
Two Day ACHWednesday, June 30, 2027Friday, July 2, 2027

Your bank may set an earlier cutoff than the Federal Reserve's, so treat these as the outside limit rather than a target.

An open bank does not mean ACH is processing

Branches, apps and phone lines keep their own hours, and those hours are not the Reserve Bank calendar. Nothing settles on Monday, July 5, 2027 whichever parts of your bank are open. An originating bank can accept a file on a closure day; it cannot settle one. Processing resumes on Tuesday, July 6, 2027.

Use the payroll cutoff calculator to get your exact submission date, or the settlement calculator to check a specific file.

Every 2027 closure

See the full 2027 ACH holiday schedule, or check whether the Fed is open today.

The closures either side of this one

Previous: Juneteenth 2027 · Next: Labor Day 2027

Every closure through 2030, in your calendar

This page answers one date. 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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