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, 10:50am and 1:00pm CST for same day processing 

2025/2026 Federal Holidays:

  • Christmas Day – December 25, 2025
  • New Year’s Day – January 1 
  • Martin Luther King Jr. Day – January 19 
  • Presidents Day – February 16
  • Memorial Day – May 25
  • Juneteenth National Independence Day – June 19
  • Independence Day – July 4 
  • Labor Day – September 7 
  • Columbus Day – October 12 
  • Veterans Day – November 11
  • Thanksgiving Day – November 26 
  • Christmas Day – December 25

ACH Return
Reference Guide

NOC Reference
Guide

Glossary of
ACH Terms

Banking Locations

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