2026 ACH & Wire Transfer Holiday Schedule
The Federal Reserve observes specific holidays each year when ACH and wire processing is unavailable. Plan your payment submissions in advance to avoid delays around these dates.
Questions about how a holiday affects your processing window? Contact FSB's eCommerce Department at 319-730-6962 or eCommerce@fsbmail.net.
| Holiday | FSB / Federal Reserve Status | ACH & Wire Processing |
|---|---|---|
| Thursday, January 1 New Year's Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of January 2, submit by 2:00 PM Wednesday, December 31. Wires: No wire processing. |
| Monday, January 19 Martin Luther King Jr. Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of January 20, submit by 2:00 PM Friday, January 16. Wires: No wire processing. |
| Monday, February 16 Presidents' Day |
FSB Open / Federal Reserve Closed | ACH: Files can be submitted but will not process. For an effective date of February 17, submit by 2:00 PM Friday, February 13. Wires: No wire processing. |
| Monday, May 25 Memorial Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of May 26, submit by 2:00 PM Friday, May 22. Wires: No wire processing. |
| Friday, June 19 Juneteenth |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of June 22, submit by 2:00 PM Thursday, June 18. Wires: No wire processing. |
| Saturday, July 4 Independence Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of July 6, submit by 2:00 PM Friday, July 3. Wires: No wire processing. |
| Monday, September 7 Labor Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of September 8, submit by 2:00 PM Friday, September 4. Wires: No wire processing. |
| Monday, October 12 Columbus Day |
FSB and Federal Reserve Closed | ACH: Files can be submitted but will not process. For an effective date of October 13, submit by 2:00 PM Friday, October 9. Wires: No wire processing. |
| Wednesday, November 11 Veterans Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of November 12, submit by 2:00 PM Tuesday, November 10. Wires: No wire processing. |
| Thursday, November 26 Thanksgiving Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of November 27, submit by 2:00 PM Wednesday, November 25. Wires: No wire processing. |
| Thursday, December 24 Christmas Eve |
FSB Closed at 12:00 PM | ACH: No processing. For an effective date of December 28, submit by 2:00 PM Wednesday, December 23. Wires: No wire processing. |
| Friday, December 25 Christmas Day |
FSB and Federal Reserve Closed | ACH: No processing. For an effective date of December 28, submit by 2:00 PM Wednesday, December 23. Wires: No wire processing. |
Debit files must be delivered to FSB no later than one business day prior to the effective date. Credit files are recommended two business days prior to the effective date.
ACH Origination Reminders
These reminders help you stay compliant with NACHA rules during daily ACH operations. For a printable copy, download the full ACH Origination Reminders document.
Authorization & Pre-Notifications
+- Ensure you have written authorization from each customer before initiating transfers. Provide them with a copy of their signed authorization and keep your copies on file for two years after the last electronic transfer to that account. Periodic audits of authorizations will be performed.
- If you choose to send pre-notifications, send them at least three business days before the first live transaction.
Handling Return Error Codes & Notifications of Change
+- If you receive returns on pre-notifications indicating the receiving bank cannot accept entries, do not initiate further entries to that account.
- If you originate micro entries, you must use "ACCTVERIFY" in the company entry description field.
- If you receive NOCs, make the requested changes within six banking days or before initiating the next entry, whichever is later. Failure to do so is a NACHA rule violation.
- R01 - Insufficient Funds / R09 - Uncollected Funds: Reinitiation is allowed for up to two additional attempts.
- R07 - Authorization Revoked by Customer: Do not reinitiate without new authorization.
- R08 - Payment Stopped: Do not reinitiate without resolving the underlying issue.
- R10 - Customer Advises Not Authorized: Obtain new authorization before reinitiating.
- R11 - Error in Transaction: Correct the error before resubmitting.
- If you need to reverse a file or entry, do so within five banking days following the settlement date of the erroneous entry.
Security & Communication Requirements
+- Protect the computer you use for banking with antivirus software, current security patches, and a firewall. Do not use that machine for general web browsing.
- All sensitive information must be transmitted using a commercially reasonable level of encryption. FSB's secure email system is available for your use. If you need to register, contact FSB's eCommerce Department.
- FSB must be notified when an employee is terminated, no longer employed, or their role changes in a way that affects ACH system access.
Submission Cutoff Times
+FSB's daily cutoff times for submitting ACH files:
- Credits must be submitted by 2:00 PM two days before the effective date. Debits must be submitted by 2:00 PM one day before the effective date.
- For files prepared by FSB: Credits by 10:00 AM two days before the effective date. Debits by 10:00 AM one day before the effective date.
Same-day ACH is also available. Contact FSB's eCommerce Department at 319-730-6962 for details.
NACHA Resources
+- NACHA Website, rules, standards, and ACH network resources
- NACHA Upcoming Rule Changes, proposed amendments currently open for comment
Questions About Your ACH Processing?
FSB's eCommerce Department handles ACH file verification, cutoff questions, and NACHA compliance support.
eCommerce Department
Your Treasury Management Contact
For ACH setup, authorization questions, or adding ACH services to your account, contact Kallie directly.
Kallie handles ACH enrollment, authorization setup, and participant configuration for business customers. For ongoing file verification and cutoff questions, her team works closely with FSB's eCommerce Department.
Not yet set up for ACH? Get started here.
Request ACH Services