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Federal Banking Holidays

The ACH network observes specific federal holidays throughout the year, during which payments do not settle.

It also only processes payments on standard business days, so if a payment is initiated over a weekend, it will not settle until at least the next business day.

2026 ACH Holidays Include:

  • New Year’s Day - January 1
  • Martin Luther King Jr. Day - January 19
  • President’s Day - February 16
  • Memorial Day - May 25
  • Juneteenth National Independence Day - June 19
  • Independence Day - July 4
  • Labor Day - September 7
  • Columbus Day - October 12
  • Veterans Day - November 11
  • Thanksgiving Day - November 26
  • Christmas Day - December 25

In addition, the ACH network only settles payments on standard business days. This means that if a payment is initiated on a Saturday or Sunday, it will not be processed until the following business day.