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ACH payments and check deposits move on business days. Weekends and Federal Reserve holidays don’t count. Here’s how to plan around a closure.
1

Need funds to land right away? Ask for an instant payment

Ask the sender to pay by instant payment (RTP or FedNow). These settle within seconds, 24/7, weekends and holidays included.
2

Deposit checks one business day early

Checks deposited on a weekend or holiday go out for clearing the next business day. For anything time-sensitive, deposit one business day before the closure.
3

Start outgoing ACH payments one business day early

Start payments one business day before a closure so they arrive on time. Payments started on a weekend or holiday go out the next business day.
4

Watch for our reminder

We’ll send a reminder before each Federal Reserve holiday.

Upcoming Federal Reserve holidays

See the Federal Reserve’s full holiday schedule.