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