Is ACH processing on Thanksgiving Day 2027?
No. Federal Reserve Banks are closed on Thursday, November 25, 2027, so no ACH files are processed and nothing settles that day.
| Reserve Banks closed | Thursday, November 25, 2027 |
|---|---|
| Last banking day before | Wednesday, November 24, 2027 |
| Next banking day after | Friday, November 26, 2027 |
| Why | Reserve Banks are closed. |
What this means for payroll
Anything that would have settled on Thursday, November 25, 2027 moves to the next banking day. If employees must be paid on or before that date, work backwards from Wednesday, November 24, 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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