When an ACH transaction file is closed, it’s referred to as a “batch cut-off time.” This happens every weekday at 2 p.m. Pacific Time. Transactions are not processed on Saturdays or Sundays. Your ACH transaction will also not be processed on bank holidays, including:
- New Year’s Day
- Martin Luther King Jr. Day
- Presidents’ Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans’ Day
- Thanksgiving Day
- Christmas Day