Fedwire hours and holidays 2027
The Fedwire Funds Service opens at 9:00 p.m. ET the evening before each business day, takes customer transfers until 6:45 p.m. ET and closes at 7:00 p.m. ET. In 2027 it is closed at weekends and on the 11 Federal Reserve holidays listed below.
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 24 December 2027
Fedwire settles each transfer in real time, on funds-transfer business days, up to the 6:45 p.m. ET cut-off for customer transfers.
Sent Friday 24 December 2027 at 6:00 p.m. EST
Why this day
It is a business day and the payment is in time, so there is nothing to wait for.
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 2027
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 2027.
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.
Juneteenth National Independence Day falls on a Saturday, so Friday 18 June is a business day. Independence Day falls on a Sunday, so the Fed is closed on Monday 5 July. Christmas Day falls on a Saturday, so Friday 24 December is a business day. New Year's Day 2028 falls on a Saturday, so Friday 31 December is a business day.
| Holiday | Date | Payments |
|---|---|---|
| New Year's Day | Friday 1 January 2027 | No settlement |
| Martin Luther King Jr. Day | Monday 18 January 2027 | No settlement |
| Washington's Birthday (Presidents Day) | Monday 15 February 2027 | No settlement |
| Memorial Day | Monday 31 May 2027 | No settlement |
| Juneteenth National Independence Day | Saturday 19 June 2027 | Falls on a Saturday; open on Friday 18 June |
| Independence Day | Sunday 4 July 2027 | Falls on a Sunday; closed on Monday 5 July |
| Labor Day | Monday 6 September 2027 | No settlement |
| Columbus Day | Monday 11 October 2027 | No settlement |
| Veterans Day | Thursday 11 November 2027 | No settlement |
| Thanksgiving Day | Thursday 25 November 2027 | No settlement |
| Christmas Day | Saturday 25 December 2027 | Falls on a Saturday; open on Friday 24 December |
Source: Federal Reserve Financial Services, as published on 27 October 2026.
Fedwire Funds Service hours
Fedwire settles each transfer on its own, in real time, through a 22-hour business day that starts the evening before.
These are the Federal Reserve's own times. Your bank sets its own cut-off for wires, which can be earlier.
| System | Hours and cut-offs |
|---|---|
| Opens | 9:00 p.m. ET the evening before each business day, even when that evening is a holiday Source: Federal Reserve Financial Services |
| Customer transfers | Cut-off 6:45 p.m. ET Source: Federal Reserve Financial Services |
| Bank transfers | Cut-off 7:00 p.m. ET, when the service closes Source: Federal Reserve Financial Services |
| Business days | Monday to Friday, except Federal Reserve holidays Source: Federal Reserve Financial Services |
| Sundays and holidays | Closed in 2026 and 2027. The Federal Reserve plans to open on Sundays and weekday holidays in 2028 or 2029, with the same daily hours. Source: Federal Reserve Financial Services |
| Clock changes 2027 | Times are US Eastern time (ET): EST, and EDT from 14 March to 7 November. From 14 to 27 March and 31 October to 6 November 2027, 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 Fedwire in 2027
The Fedwire Funds Service opens at 9:00 p.m. ET on the evening before each business day and closes at 7:00 p.m. ET. Customer transfers must be sent by 6:45 p.m. ET and bank transfers by 7:00 p.m. ET. Your bank's own cut-off for wires can be earlier.
Yes. Christmas Day falls on a Saturday in 2027, and the Reserve Banks stay open on the Friday before, so Friday 24 December 2027 is a business day with normal hours.
No. In 2027 it is closed every Saturday and Sunday and on the Federal Reserve holidays above, and a wire sent then settles on the next business day. The Federal Reserve plans to add Sundays and weekday holidays in 2028 or 2029, with the same 22-hour days.
Fedwire settles each transfer on its own, in real time, until the 6:45 p.m. ET customer cut-off. ACH settles in batches at fixed times: 1:00 p.m., 5:00 p.m. and 6:00 p.m. ET for Same Day ACH, and 8:30 a.m. ET the next banking day for the rest.
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
- Federal Reserve Financial Services: Federal Reserve announces intent to expand operating days for Fedwire Funds Service and National Settlement Service