Is ACH processing on Christmas Day 2027?
Yes. Christmas Day 2027 falls on Saturday, Saturday, December 25, 2027. Federal Reserve Banks stay open, so ACH runs normally on Friday, and payday does not move.
Federal offices and Reserve Banks differ here
Christmas Day lands on a Saturday, so the federal government observes it on Friday, December 24, 2027. Reserve Banks do not close. ACH processes that Friday as normal. A calendar marking it as a bank holiday will push payroll a day early for no reason.
What this means for payroll
Nothing changes. Submit on your normal schedule. The Friday before Christmas Day is a full banking day.
Use the payroll cutoff calculator to get your exact submission date, or the settlement calculator to check a specific file.
Every 2027 closure
See the full 2027 ACH holiday schedule, or check whether the Fed is open today.
The closures either side of this one
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