ACH User Information

Automated Clearing House (ACH) is a network used for electronic payments and money transfers. It's a way to move money between banks without using paper checks, wire transfers, credit card networks, or cash. Find information regarding your ACH service here!

ACH Transaction Flow

ACH Submission Timeframe:

Traditional ACH (future effective date): Picked up and processed at 6:55am, 10:50am, 1:20pm, and 4:30pm CST for next day processing

Same Day ACH (same day effective date): Picked up and processed at 6:55am, 10:50 and 1:20pm CST for same day processing

2021 Federal Holidays:

• New Year's Day - January 1
• Martin Luther King Jr. Day - January 18
• Presidents Day - February 15
• Memorial Day - May 31
• Independence Day - July 4 (for holidays falling on Sunday, all Federal Reserve Banks and Bank Five Nine will be closed the following Monday)
• Labor Day - September 6
• Columbus Day - October 11
• Veterans Day - November 11
• Thanksgiving Day - November 25
• Christmas Day - December 25 (for holidays falling on a Saturday, Federal Reserve Banks and Bank Five Nine will be open the preceding Friday)