Is ACH processing on MLK Day 2027?
No. Federal Reserve Banks are closed on Monday, January 18, 2027, so no ACH files are processed and nothing settles that day.
| Reserve Banks closed | Monday, January 18, 2027 |
|---|---|
| Last banking day before | Friday, January 15, 2027 |
| Next banking day after | Tuesday, January 19, 2027 |
| Why | Reserve Banks are closed. |
What this means for payroll
Anything that would have settled on Monday, January 18, 2027 moves to the next banking day. If employees must be paid on or before that date, work backwards from Friday, January 15, 2027 instead.
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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