ACH Effective DateProcess 2 days*
Prior by 3:00 pm
If Processing Day is a Federal Holiday **
WednesdayMondayFriday of Prior Week
TuesdayFriday of Prior WeekThursday of Prior Week
MondayThursday of Prior WeekWednesday of Prior Week








Example: If you want an ACH transfer to be effective on Friday, you have to submit it by 3:00 pm, Wednesday. If Wednesday is a Federal Holiday, you have to submit it one day earlier, Tuesday, before 3:00pm. 

* As an emergency/backup we can process one (1) day prior to the effective date. Some Banks and Credit Unions do not process their received transactions until later on the effective date, making funds available to recipients as much as 1 day late.

** No ACH processing may be done on a Federal Holiday. ACH files are not collected or posted to accounts on these days.

Chemical Bank offices are closed on the following Federal Holidays:

New Year's Day
Memorial Day
Independence Day
Labor Day
Veterans Day
Thanksgiving Day
Christmas Day
Columbus Day

Chemical Bank offices are open on the following Federal Holidays:
Martin Luther King's Birthday
President's Day

For holidays falling on Sunday, the holiday is observed the following Monday