Below are listed the Non-ACH Processing Dates for 2021. We recommend that all files are submitted two banking days prior to the effective date. Holidays and Weekends are not considered a business day when scheduling your files. If you file has a non-processing day in the effective date field, the transactions will be processed on the next available business day.
Standard Federal Reserve Bank Holidays
| HOLIDAY* | 2021 | 2022 | 2023 |
| New Year's Day | Jan 1 | Jan 1* | Jan 1* |
| Martin Luther King Jr. Day | Jan 18 | Jan 17 | Jan 16 |
| Presidents Day | Feb 15 | Feb 21 | Feb 20 |
| Memorial Day | May 31 | May 30 | May 29 |
| Independence Day | Jul 4* | Jul 4 | Jul 4 |
| Labor Day | Sep 6 | Sept 5 | Sept 4 |
| Columbus Day | Oct 11 | Oct 10 | Oct 9 |
| Veterans Day | Nov 11 | Nov 11 | Nov 11 |
| Thanksgiving Day | Nov 25 | Nov 24 | Nov 23 |
| Christmas Day | Dec 25* | Dec 25* | Dec 25 |
*For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday. For holidays falling on Sunday, all Federal Reserve Banks and Branches will be closed the following Monday. An expanded schedule can be found on the Board of Governors' website (Off-site).