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
2023 Federal Holidays:
- New Year’s Day – January 1
- Martin Luther King Jr. Day – January 16
- Presidents Day – February 20
- Memorial Day – May 29
- Juneteenth National Independence Day – June 19
- Independence Day – July 4
- Labor Day – September 4
- Columbus Day – October 9
- Veterans Day – November 10* (For holidays falling on a Saturday, Federal Reserve Banks and Bank Five Nine will be open the preceding Friday)
- Thanksgiving Day – November 23
- Christmas Day – December 25