# ACH Clock > US payment-timing reference. Computes ACH settlement dates, Federal Reserve Bank > holidays, Same Day ACH cutoff windows, and payroll submission deadlines from the > Federal Reserve's published holiday schedule and the FedACH processing schedule. Reserve Bank holidays are not the same set as federal-office holidays. When a fixed-date holiday falls on a Saturday, federal offices observe the preceding Friday but Reserve Banks stay open and ACH settles normally; when it falls on a Sunday, Reserve Banks close the following Monday. Getting that rule wrong moves payday. ## Calculators - [ACH settlement date calculator](https://achclock.com/): Submit date and time in, settlement date out. Applies closures and Same Day windows. - [Payroll cutoff calculator](https://achclock.com/payroll-cutoff/): Works backwards from payday to the date the ACH file must be submitted. - [Is the Fed open today](https://achclock.com/fed-open-today/): Current-day Reserve Bank status and the next banking day. ## Everything else published - [ACH transfer time](https://achclock.com/how-long-does-ach-transfer-take/): Standard ACH settles in 1 to 2 banking days after submission. Same Day ACH can settle within hours if it beats one of three daily cutoff windows. - [Same Day ACH cutoffs](https://achclock.com/same-day-ach-cutoff-times/): The three FedACH Same Day submission windows and when each settles, why your own bank cuts off earlier, and where a file that misses the last window lands. - [ACH vs wire vs RTP](https://achclock.com/ach-vs-wire-vs-rtp/): How ACH, Fedwire, RTP, and FedNow differ on settlement speed, daily cutoffs, and which of them stop for weekends and Federal Reserve holidays. - [ACH holidays](https://achclock.com/ach-holidays/): The eleven federal holidays when ACH does not process, given as recurring rules rather than one year of dates, with the Saturday and Sunday observance rules. - [Is ACH processing on a holiday?](https://achclock.com/is-ach-processing/): Whether ACH processes on each federal holiday, with the Reserve Bank closure date for every one. Saturday holidays are the exception people get wrong. - [2026 payroll calendar](https://achclock.com/payroll-calendar-2026/): Every semi-monthly payday in 2026 with the date the ACH file must go out, at same-day, next-day and two-day settlement. 8 of the 24 are not banking days. - [2027 payroll calendar](https://achclock.com/payroll-calendar-2027/): Every semi-monthly payday in 2027 with the date the ACH file must go out, at same-day, next-day and two-day settlement. 8 of the 24 are not banking days. - [Terms of Service](https://achclock.com/terms/): Terms of service for ACH Clock: what the calendar feed and JSON API provide, acceptable use, limits of liability, and the informational-only disclaimer. - [Refund Policy](https://achclock.com/refunds/): Refund policy for ACH Clock: 30-day refunds on digital products, no questions asked. How to request one and how the refund is processed. - [Privacy Policy](https://achclock.com/privacy/): Privacy policy for ACH Clock: what is collected, why, how long it is kept, who processes it, and how to make a data request. ## Holiday schedules - [2026 ACH holiday schedule](https://achclock.com/ach-holidays/2026/): every 2026 Reserve Bank closure, observance rules applied. - [2027 ACH holiday schedule](https://achclock.com/ach-holidays/2027/): every 2027 Reserve Bank closure, observance rules applied. - [2028 ACH holiday schedule](https://achclock.com/ach-holidays/2028/): every 2028 Reserve Bank closure, observance rules applied. - [2029 ACH holiday schedule](https://achclock.com/ach-holidays/2029/): every 2029 Reserve Bank closure, observance rules applied. - [2030 ACH holiday schedule](https://achclock.com/ach-holidays/2030/): every 2030 Reserve Bank closure, observance rules applied. ## Per-holiday answers - [Is ACH processing on Labor Day 2026?](https://achclock.com/is-ach-processing/labor-day-2026/): No. - [Is ACH processing on Columbus Day 2026?](https://achclock.com/is-ach-processing/columbus-day-2026/): No. - [Is ACH processing on Veterans Day 2026?](https://achclock.com/is-ach-processing/veterans-day-2026/): No. - [Is ACH processing on Thanksgiving Day 2026?](https://achclock.com/is-ach-processing/thanksgiving-day-2026/): No. - [Is ACH processing on Christmas Day 2026?](https://achclock.com/is-ach-processing/christmas-day-2026/): No. - [Is ACH processing on New Year's Day 2027?](https://achclock.com/is-ach-processing/new-year-s-day-2027/): No. - [Is ACH processing on MLK Day 2027?](https://achclock.com/is-ach-processing/mlk-day-2027/): No. - [Is ACH processing on Presidents Day 2027?](https://achclock.com/is-ach-processing/presidents-day-2027/): No. - [Is ACH processing on Memorial Day 2027?](https://achclock.com/is-ach-processing/memorial-day-2027/): No. - [Is ACH processing on Juneteenth 2027?](https://achclock.com/is-ach-processing/juneteenth-2027/): No, it is a Saturday, and no holiday closure applies either. - [Is ACH processing on Independence Day 2027?](https://achclock.com/is-ach-processing/independence-day-2027/): No. - [Is ACH processing on Labor Day 2027?](https://achclock.com/is-ach-processing/labor-day-2027/): No. - [Is ACH processing on Columbus Day 2027?](https://achclock.com/is-ach-processing/columbus-day-2027/): No. - [Is ACH processing on Veterans Day 2027?](https://achclock.com/is-ach-processing/veterans-day-2027/): No. - [Is ACH processing on Thanksgiving Day 2027?](https://achclock.com/is-ach-processing/thanksgiving-day-2027/): No. - [Is ACH processing on Christmas Day 2027?](https://achclock.com/is-ach-processing/christmas-day-2027/): No, it is a Saturday, and no holiday closure applies either. ## Developer and agent access - [JSON API documentation](https://achclock.com/api/): holidays, settlement dates, banking business days. - [For agents](https://achclock.com/agents/): machine-readable endpoint reference, guarantees, and per-call payment. - [OpenAPI 3.1 specification](https://achclock.com/openapi.json): machine-readable API description. - [Pricing](https://achclock.com/pricing/): $9 one-time calendar feed, $19/year API key. ## Paying per call Not enabled yet. Every endpoint currently requires a key; an unauthenticated call returns 401, not 402. Do not attempt an x402 payment flow against this API today. ## Notes - Informational only. Not banking, legal, or tax advice. - An originating institution may impose a cutoff earlier than the Federal Reserve's. - Source data: frbservices.org holiday schedules and the FedACH processing schedule.