EFT Holiday Processing Schedule

ACH files are accepted up to fifteen (15) days in advance of settlement date. Per NACHA rules, credits must be received by Firstrust two (2) business days prior to settlement date, debits must be received one (1) business day prior to settlement date.

Holiday
Date
Credit Initiation date for settlement prior to holiday
Debit Initiation date for
settlement prior to holiday
2024 Christmas Day
Wednesday, 12/25/2024
Friday, 12/20/2024
Monday, 12/23/2024
New Year's Day
Wednesday, 01/01/2025
Friday, 12/27/2024
Monday, 12/30/2024
Martin Luther King Jr. Day
Monday, 01/20/2025
Wednesday, 01/15/2025
Thursday, 01/16/2025
Presidents' Day
Monday, 02/17/2025
Wednesday, 02/12/2025
Thursday, 02/13/2025
Memorial Day
Monday, 05/26/2025
Wednesday, 05/21/2025
Thursday, 05/22/2025
Juneteenth National Independence Day
Thursday, 06/19/2025
Monday, 06/16/2025
Tuesday, 06/17/2025
Independence Day
Friday, 07/04/2025
Tuesday, 07/01/2025
Wednesday, 07/02/2025
Labor Day
Monday, 09/01/2025
Wednesday, 08/27/2025
Thursday, 08/28/2025
Columbus Day / Indigenous Peoplesā€™ Day
Monday, 10/13/2025
Wednesday, 10/08/2025
Thursday, 10/09/2025
Veteransā€™ Day
Tuesday, 11/11/2025
Thursday, 11/06/2025
Friday, 11/07/2025
Thanksgiving Day
Thursday, 11/27/2025
Monday, 11/24/2025
Tuesday, 11/25/2025
2025 Christmas Day
Thursday, 12/25/2025
Monday, 12/22/2025
Tuesday, 12/23/2025

Wire Transfer Processing: Wire transfers cannot be scheduled for and will not be processed on any of the above named Federal holidays.

ā€If you have any questions about the holiday processing schedule, please contact our Customer Care Center at 800-220-BANK.