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

2023 Federal Holidays:

  • New Year’s Day – January 1 (because this holiday falls on a Sunday, all Federal Reserve Banks and Bank Five Nine will be closed the following Monday, January 3rd)
  • 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 11
  • Thanksgiving Day – November 23
  • Christmas Day – December 25