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 Federal Holidays:

  • New Year’s Day – January 1 
  • Martin Luther King Jr. Day – January 20 
  • Presidents Day – February 17
  • Memorial Day – May 26
  • Juneteenth National Independence Day – June 19
  • Independence Day – July 4 
  • Labor Day – September 1 
  • Columbus Day – October 13 
  • Veterans Day – November 11
  • Thanksgiving Day – November 27 
  • Christmas Day – December 25