ACH holidays 2026
In 2026, ACH payments settle on banking days only: not at weekends and not on the 11 Federal Reserve holidays listed below. A holiday that falls on a Saturday leaves the Fed open the Friday before, and one on a Sunday closes it the Monday after.
When will it arrive?
Pick the payment, then the day and time you send it. The calculator applies that system's closing days and cut-off, and gives the business day the payment settles, with every day it waits through and why.
Your bank can stop taking payments before the system does. If you know its cut-off, add it and the calculator counts from there.
It all runs in your browser; nothing you enter is sent anywhere.
Holyheld Business sends and receives ACH, SEPA, wires and Faster Payments. The pricing page lists the fees, and the off-ramp converts supported stablecoins to fiat for company payments.
Result
Settles on Friday 27 November 2026 at 8:30 a.m. EST
It settles in FedACH's next-day settlement at 8:30 a.m. EST.
Sent Wednesday 25 November 2026 at 5:00 p.m. EST
Why this day
- 5:00 p.m. EST is after FedACH's last same-day deadline, 4:45 p.m. EST, so it moves to the next business day.
- Thursday 26 November: Federal Reserve holiday (Thanksgiving Day)
These are the system's own times. Your bank can stop taking payments earlier; add its cut-off to count from it.
Federal Reserve holidays 2026
The Federal Reserve Banks close FedACH and the Fedwire Funds Service on these holidays, as well as at weekends. The list is the Federal Reserve's own schedule for 2026.
When a holiday falls on a Saturday, the Reserve Banks open as normal on the Friday before; when it falls on a Sunday, they close on the Monday after.
Independence Day falls on a Saturday, so Friday 3 July is a business day.
| Holiday | Date | Payments |
|---|---|---|
| New Year's Day | Thursday 1 January 2026 | No settlement |
| Martin Luther King Jr. Day | Monday 19 January 2026 | No settlement |
| Washington's Birthday (Presidents Day) | Monday 16 February 2026 | No settlement |
| Memorial Day | Monday 25 May 2026 | No settlement |
| Juneteenth National Independence Day | Friday 19 June 2026 | No settlement |
| Independence Day | Saturday 4 July 2026 | Falls on a Saturday; open on Friday 3 July |
| Labor Day | Monday 7 September 2026 | No settlement |
| Columbus Day | Monday 12 October 2026 | No settlement |
| Veterans Day | Wednesday 11 November 2026 | No settlement |
| Thanksgiving Day | Thursday 26 November 2026 | No settlement |
| Christmas Day | Friday 25 December 2026 | No settlement |
Source: Federal Reserve Financial Services, as published on 27 October 2026.
FedACH holiday processing 2026
FedACH stops processing before each holiday and restarts on the evening before the next banking day. Times are ET, as FedACH publishes them.
| Holiday | Processing ends | Processing resumes |
|---|---|---|
| New Year's Day | Wednesday 31 December 2025, 11:30 p.m. | Thursday 1 January 2026, 5:30 p.m. |
| Martin Luther King Jr. Day | Saturday 17 January 2026, 3:00 a.m. | Monday 19 January 2026, 5:30 p.m. |
| Washington's Birthday (Presidents Day) | Saturday 14 February 2026, 3:00 a.m. | Monday 16 February 2026, 5:30 p.m. |
| Memorial Day | Saturday 23 May 2026, 3:00 a.m. | Monday 25 May 2026, 5:30 p.m. |
| Juneteenth National Independence Day | Thursday 18 June 2026, 11:30 p.m. | Sunday 21 June 2026, 5:30 p.m. |
| Independence Day | Friday 3 July 2026, 11:30 p.m. | Sunday 5 July 2026, 5:30 p.m. |
| Labor Day | Saturday 5 September 2026, 3:00 a.m. | Monday 7 September 2026, 5:30 p.m. |
| Columbus Day | Saturday 10 October 2026, 3:00 a.m. | Monday 12 October 2026, 5:30 p.m. |
| Veterans Day | Tuesday 10 November 2026, 11:30 p.m. | Wednesday 11 November 2026, 5:30 p.m. |
| Thanksgiving Day | Wednesday 25 November 2026, 11:30 p.m. | Thursday 26 November 2026, 5:30 p.m. |
| Christmas Day | Thursday 24 December 2026, 11:30 p.m. | Sunday 27 December 2026, 5:30 p.m. |
Source: Federal Reserve Financial Services, as published on 27 October 2026.
FedACH windows and cut-offs
FedACH settles in batches. A same-day payment settles at the end of the window it makes; anything later settles the next banking morning.
These are FedACH's deadlines for banks. Your bank sets its own cut-offs for you, which can be earlier.
| System | Hours and cut-offs |
|---|---|
| Same Day ACH, first window | In by 10:30 a.m. ET, settles at 1:00 p.m. ET Source: Federal Reserve Financial Services |
| Same Day ACH, second window | In by 2:45 p.m. ET, settles at 5:00 p.m. ET Source: Federal Reserve Financial Services |
| Same Day ACH, third window | In by 4:45 p.m. ET, settles at 6:00 p.m. ET Source: Federal Reserve Financial Services |
| Next-day ACH | Deadlines 8:00 p.m. (Sunday to Thursday only), 10:45 p.m. and 2:15 a.m. ET; settles at 8:30 a.m. ET on the next banking day Source: Federal Reserve Financial Services |
| Same Day ACH limit | Up to $1,000,000 per payment; international (IAT) entries are not eligible Source: Federal Reserve Financial Services |
| Banking days | Monday to Friday, except Federal Reserve holidays Source: Federal Reserve Financial Services |
| Clock changes 2026 | Times are US Eastern time (ET): EST, and EDT from 8 March to 1 November. From 8 to 28 March and 25 to 31 October 2026, New York is an hour closer to Frankfurt and London than usual, because the US and Europe change their clocks on different Sundays. The calculator allows for it. |
Questions about ACH in 2026
ACH payments do not settle at weekends or on these Federal Reserve holidays in 2026: Thursday 1 January (New Year's Day), Monday 19 January (Martin Luther King Jr. Day), Monday 16 February (Washington's Birthday, Presidents Day), Monday 25 May (Memorial Day), Friday 19 June (Juneteenth National Independence Day), Monday 7 September (Labor Day), Monday 12 October (Columbus Day), Wednesday 11 November (Veterans Day), Thursday 26 November (Thanksgiving Day) and Friday 25 December (Christmas Day). Independence Day falls on a Saturday, so Friday 3 July is a business day.
If it falls on a Saturday, the Reserve Banks are open on the Friday before, so ACH settles as normal that day. If it falls on a Sunday, they close on the Monday after. Independence Day falls on a Saturday, so Friday 3 July is a business day.
FedACH takes same-day files until 10:30 a.m. ET, 2:45 p.m. ET and 4:45 p.m. ET, and settles them at 1:00 p.m., 5:00 p.m. and 6:00 p.m. ET. Your bank sets its own cut-off, which can be earlier, and Same Day ACH is limited to $1,000,000 per payment.
After FedACH's last same-day deadline at 4:45 p.m. ET it can no longer settle that day, so it settles at 8:30 a.m. ET on the next banking day, usually Monday. FedACH's 8:00 p.m. ET deadline runs Sunday to Thursday only, not on Fridays.
Yes. Good Friday and Easter Monday are not Federal Reserve holidays, so ACH settles as normal on Friday 3 April and Monday 6 April, while euro and UK payments stop.
Payment calendars
Sources
Every date and time on this page comes from these official pages, as published on 27 October 2026.
- Federal Reserve Financial Services: Holiday Schedules
- Board of Governors of the Federal Reserve System: K.8 – Holidays Observed by the Federal Reserve System 2026-2030
- Federal Reserve Financial Services: Fedwire Funds Service and National Settlement Service Operating Hours
- Federal Reserve Financial Services: FedACH Processing Schedule
- Federal Reserve Financial Services: FedACH SameDay Service