Guides
ACH Holiday Schedule 2026: Days ACH Payments Don't Settle
Every 2026 Federal Reserve holiday when FedACH and Fedwire are closed, the Saturday/Sunday observance rule, and how holidays delay direct deposits and ACH debits.
ACH Holiday Schedule 2027: Days ACH Payments Don't Settle
Every 2027 Federal Reserve holiday when FedACH and Fedwire are closed, the Saturday/Sunday observance rule, and how holidays delay direct deposits and ACH debits.
Same Day ACH Cut-off Times and Settlement Windows (FedACH)
The three Same Day ACH submission deadlines and settlement times at the Federal Reserve, the $1M limit, and how weekends and holidays affect settlement.
Bank Holidays vs Stock Market Holidays: Why the Fed and NYSE Differ
Side-by-side list of days when US banks (Federal Reserve) are closed but the NYSE trades, and vice versa, with the rules behind each difference.
How to Calculate Business Days (and the 7 Bugs Everyone Ships)
A developer's guide to business-day arithmetic: definitions, add/subtract, counting, roll conventions, time zones and the edge cases that break naive code.
FX Spot Value Date Calculation: T+2, T+1 and Holiday Rules
How FX spot dates are calculated for currency pairs and crosses: T+2 vs T+1 pairs, USD holiday treatment, and joint settlement calendars.
Business Days in Python: numpy, pandas, holidays, or an API?
Compare numpy.busday_offset, pandas CustomBusinessDay, the holidays package and the Bankday API for adding and counting business days in Python.
Add Business Days in JavaScript (Holidays Included)
How to add and count business days in JavaScript/TypeScript, why date-fns addBusinessDays ignores holidays, and how to handle bank holidays correctly.
Excel NETWORKDAYS and WORKDAY with Bank Holidays (Auto-Updating)
Use NETWORKDAYS, NETWORKDAYS.INTL and WORKDAY with a holiday range in Excel and Google Sheets, and pull bank holiday lists automatically.
What Happens When Payday Falls on a Bank Holiday?
Why direct deposits arrive early or late around bank holidays, how employers shift pay dates, and how payroll software should compute the effective date.