Bite Apps › SafeACH › Business day calculator
ACH business day calculator and Federal Reserve holidays
Add or subtract banking days, check whether an effective entry date settles, and see which Same Day ACH window a file can still make — with the official Federal Reserve holiday schedule built in.
Building or checking a NACHA file? SafeACH validates every record, total and effective date — locally, nothing is uploaded.
Open SafeACH — free, in your browser1. Add or subtract banking days
2. Is this effective entry date a settlement day?
3. Which Same Day ACH window can I still make?
Calculated in this page with the Federal Reserve holiday list below — nothing is uploaded.
Federal Reserve holidays 2026–2030 (FedACH closed)
FedACH does not settle on weekends or on these Federal Reserve holidays — 9 weekday closures in 2027. When a holiday falls on a Saturday, the Reserve Banks are open the Friday before; when it falls on a Sunday, they are closed the following Monday. Source: Federal Reserve Financial Services, Holiday Schedules (checked 2026-11-14).
| Holiday | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| New Year's Day | Thu, Jan 1 | Fri, Jan 1 | Sat, Jan 1 open (Saturday) | Mon, Jan 1 | Tue, Jan 1 |
| Martin Luther King Jr. Day | Mon, Jan 19 | Mon, Jan 18 | Mon, Jan 17 | Mon, Jan 15 | Mon, Jan 21 |
| Washington's Birthday (Presidents Day) | Mon, Feb 16 | Mon, Feb 15 | Mon, Feb 21 | Mon, Feb 19 | Mon, Feb 18 |
| Memorial Day | Mon, May 25 | Mon, May 31 | Mon, May 29 | Mon, May 28 | Mon, May 27 |
| Juneteenth National Independence Day | Fri, Jun 19 | Sat, Jun 19 open (Saturday) | Mon, Jun 19 | Tue, Jun 19 | Wed, Jun 19 |
| Independence Day | Sat, Jul 4 open (Saturday) | Sun, Jul 4 closed Mon, Jul 5 | Tue, Jul 4 | Wed, Jul 4 | Thu, Jul 4 |
| Labor Day | Mon, Sep 7 | Mon, Sep 6 | Mon, Sep 4 | Mon, Sep 3 | Mon, Sep 2 |
| Columbus Day | Mon, Oct 12 | Mon, Oct 11 | Mon, Oct 9 | Mon, Oct 8 | Mon, Oct 14 |
| Veterans Day | Wed, Nov 11 | Thu, Nov 11 | Sat, Nov 11 open (Saturday) | Sun, Nov 11 closed Mon, Nov 12 | Mon, Nov 11 |
| Thanksgiving Day | Thu, Nov 26 | Thu, Nov 25 | Thu, Nov 23 | Thu, Nov 22 | Thu, Nov 28 |
| Christmas Day | Fri, Dec 25 | Sat, Dec 25 open (Saturday) | Mon, Dec 25 | Tue, Dec 25 | Wed, Dec 25 |
Same Day ACH windows
| ACH operator deadline (ET) | Settlement (ET) | Notes |
|---|---|---|
| 10:30 a.m. | 1:00 p.m. same day | First window |
| 2:45 p.m. | 5:00 p.m. same day | Second window |
| 4:45 p.m. | 6:00 p.m. same day | Third window — the last chance for same-day settlement |
| 2:15 a.m. | 8:30 a.m. on the settlement date | Last deadline for regular (next-day) entries |
Times are the FedACH processing schedule; your bank (ODFI) sets earlier cut-offs for its customers. The Same Day ACH per-payment limit is $1,000,000 and rises to $10,000,000 on 17 September 2027. International (IAT) entries cannot be sent same-day.
Effective entry date vs. settlement date
The effective entry date (positions 70–75 of the batch header) is the day the originator wants the entries to settle. If it is not a banking day — a weekend or one of the holidays above — the ACH operator settles on the next banking day. A batch dated today and received before a same-day deadline is treated as Same Day ACH; a batch with a past date is settled at the next opportunity. Check your effective dates and batch headers with SafeACH before sending a file.
FAQ
Does ACH process on federal holidays?
No. FedACH does not settle on Federal Reserve holidays or weekends. Entries dated for a holiday settle on the next banking day.
What happens when a Federal Reserve holiday falls on a Saturday?
The Federal Reserve Banks are open on the Friday before, so ACH settles normally that Friday. When a holiday falls on a Sunday, they are closed the following Monday.
What are the Same Day ACH cut-off times?
The FedACH deadlines are 10:30 a.m., 2:45 p.m. and 4:45 p.m. ET, settling at 1:00 p.m., 5:00 p.m. and 6:00 p.m. ET. Your bank’s own cut-offs are earlier.
How many ACH holidays are there in 2027?
9 weekday closures: the Federal Reserve observes 11 holidays, but in 2027 Juneteenth (June 19) and Christmas (December 25) fall on a Saturday, so the Reserve Banks stay open on the Friday before; Independence Day falls on a Sunday and is observed on Monday, July 5.
Last updated 2026-11-14. Something wrong or missing? Email support@biteapps.cc.