# ACH Clock

> US payment-timing reference. Computes ACH settlement dates, Federal Reserve Bank
> holidays, Same Day ACH cutoff windows, and payroll submission deadlines from the
> Federal Reserve's published holiday schedule and the FedACH processing schedule.

Reserve Bank holidays are not the same set as federal-office holidays. When a
fixed-date holiday falls on a Saturday, federal offices observe the preceding Friday
but Reserve Banks stay open and ACH settles normally; when it falls on a Sunday,
Reserve Banks close the following Monday. Getting that rule wrong moves payday.

## Calculators
- [ACH settlement date calculator](https://achclock.com/): Submit date and time in, settlement date out. Applies closures and Same Day windows.
- [Payroll cutoff calculator](https://achclock.com/payroll-cutoff/): Works backwards from payday to the date the ACH file must be submitted.
- [Is the Fed open today](https://achclock.com/fed-open-today/): Current-day Reserve Bank status and the next banking day.

## Holiday schedules
- [2026 ACH holiday schedule](https://achclock.com/ach-holidays/2026/): every 2026 Reserve Bank closure, observance rules applied.
- [2027 ACH holiday schedule](https://achclock.com/ach-holidays/2027/): every 2027 Reserve Bank closure, observance rules applied.
- [2028 ACH holiday schedule](https://achclock.com/ach-holidays/2028/): every 2028 Reserve Bank closure, observance rules applied.
- [2029 ACH holiday schedule](https://achclock.com/ach-holidays/2029/): every 2029 Reserve Bank closure, observance rules applied.
- [2030 ACH holiday schedule](https://achclock.com/ach-holidays/2030/): every 2030 Reserve Bank closure, observance rules applied.

## Per-holiday answers
- [Is ACH processing on Labor Day 2026?](https://achclock.com/is-ach-processing/labor-day-2026/): No.
- [Is ACH processing on Columbus Day 2026?](https://achclock.com/is-ach-processing/columbus-day-2026/): No.
- [Is ACH processing on Veterans Day 2026?](https://achclock.com/is-ach-processing/veterans-day-2026/): No.
- [Is ACH processing on Thanksgiving Day 2026?](https://achclock.com/is-ach-processing/thanksgiving-day-2026/): No.
- [Is ACH processing on Christmas Day 2026?](https://achclock.com/is-ach-processing/christmas-day-2026/): No.
- [Is ACH processing on New Year's Day 2027?](https://achclock.com/is-ach-processing/new-year-s-day-2027/): No.
- [Is ACH processing on MLK Day 2027?](https://achclock.com/is-ach-processing/mlk-day-2027/): No.
- [Is ACH processing on Presidents Day 2027?](https://achclock.com/is-ach-processing/presidents-day-2027/): No.
- [Is ACH processing on Memorial Day 2027?](https://achclock.com/is-ach-processing/memorial-day-2027/): No.
- [Is ACH processing on Juneteenth 2027?](https://achclock.com/is-ach-processing/juneteenth-2027/): Yes.
- [Is ACH processing on Independence Day 2027?](https://achclock.com/is-ach-processing/independence-day-2027/): No.
- [Is ACH processing on Labor Day 2027?](https://achclock.com/is-ach-processing/labor-day-2027/): No.
- [Is ACH processing on Columbus Day 2027?](https://achclock.com/is-ach-processing/columbus-day-2027/): No.
- [Is ACH processing on Veterans Day 2027?](https://achclock.com/is-ach-processing/veterans-day-2027/): No.
- [Is ACH processing on Thanksgiving Day 2027?](https://achclock.com/is-ach-processing/thanksgiving-day-2027/): No.
- [Is ACH processing on Christmas Day 2027?](https://achclock.com/is-ach-processing/christmas-day-2027/): Yes.

## Developer and agent access
- [JSON API documentation](https://achclock.com/api/): holidays, settlement dates, banking business days.
- [For agents](https://achclock.com/agents/): machine-readable endpoint reference, guarantees, and per-call payment.
- [OpenAPI 3.1 specification](https://achclock.com/openapi.json): machine-readable API description.
- [Pricing](https://achclock.com/pricing/): $9 one-time calendar feed, $19/year API key.

## Paying per call
Not enabled yet. Every endpoint currently requires a key; an unauthenticated call returns 401,
not 402. Do not attempt an x402 payment flow against this API today.

## Notes
- Informational only. Not banking, legal, or tax advice.
- An originating institution may impose a cutoff earlier than the Federal Reserve's.
- Source data: frbservices.org holiday schedules and the FedACH processing schedule.