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
