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
2025 Christmas Day
Thursday, 12/25/2025
Monday, 12/22/2025
Tuesday, 12/23/2025
New Year's Day
Thursday, 01/01/2026
Monday, 12/29/2025
Tuesday, 12/30/2025
Martin Luther King Day
Monday, 01/19/2026
Wednesday, 01/14/2026
Thursday, 01/15/2026
Presidents Day
Monday, 02/16/2026
Wednesday, 02/11/2026
Thursday, 02/12/2026
Memorial Day
Monday, 05/25/2026
Wednesday, 05/20/2026
Thursday, 05/21/2026
Juneteenth
Friday, 06/19/2026
Tuesday, 06/16/2026
Wednesday, 06/17/2026
Independence Day
Saturday, 07/04/2026
Wednesday, 07/01/2026
Thursday, 07/02/2026
Labor Day
Monday, 09/07/2026
Wednesday, 09/02/2026
Thursday, 09/03/2026
Columbus Day / Indigenous Peoples Day
Monday, 10/12/2026
Wednesday, 10/07/2026
Thursday, 10/08/2026
Veterans Day
Wednesday, 11/11/2026
Friday, 11/06/2026
Monday, 11/09/2026
Thanksgiving Day
Thursday, 11/26/2026
Monday, 11/23/2026
Tuesday, 11/24/2026
Christmas Day
Friday, 12/25/2026
Tuesday, 12/22/2026
Wednesday, 12/23/2026

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 Customer Care at 800-220-BANK.