Is ACH processing on Independence Day 2027?
No. Federal Reserve Banks are closed on Monday, July 5, 2027, so no ACH files are processed and nothing settles that day.
| Reserve Banks closed | Monday, July 5, 2027 |
|---|---|
| Last banking day before | Friday, July 2, 2027 |
| Next banking day after | Tuesday, July 6, 2027 |
| Why | Falls 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, work backwards from Friday, July 2, 2027 instead.
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
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