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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

2021 Federal Holidays:
  • New Year’s Day – January 1
  • Martin Luther King Jr. Day – January 17
  • Presidents Day – February 21
  • Memorial Day – May 30
  • Juneteenth National Independence Day – June 19 (because this holiday falls on a Sunday, all Federal Reserve Banks will be closed the following Monday, June 20th, however, Bank Five Nine will be open)
  • Independence Day – July 4
  • Labor Day – September 5
  • Columbus Day – October 10
  • Veterans Day – November 11
  • Thanksgiving Day – November 24
  • Christmas Day – December 25 (for holidays falling on Sunday, all Federal Reserve Banks and Bank Five Nine will be closed the following Monday, December 26)