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)
