ACH Effective DateProcess 2 days
prior by 6:00 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 need an ACH transaction to be effective on Friday, you will need to submit it by 6:00 pm, Wednesday. If Wednesday is a Federal Holiday, you will need to submit it one day earlier, Tuesday, before 6:00pm. 

** No ACH processing is available on a Federal Holiday. ACH files cannot be processed or posted to accounts on these days.

Chemical Bank offices are closed on the following Federal Holidays:

New Year's Day
Martin Luther King 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:
President's Day

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