Deposit Schedule for Punchey Merchant Services

Created by Bea Jovellano, Modified on Tue, 13 Jan at 8:54 AM by Bea Jovellano

Overview

If you are using Punchey Merchant Services, funds for credit and debit card transactions are deposited into your business bank account according to the following schedule. Knowing this schedule helps you track and manage when your funds will be available, especially during holidays and weekends.

1. Funding Schedule

For next-day funding customers, funds will be deposited one business day earlier than the schedule above.

2. Bank Holidays Impact on Deposits

The Federal Reserve does not operate the ACH system during banking holidays and weekends, so deposits cannot be made during these times. This means that your deposit schedule may be affected by Federal Reserve holidays.

Federal Reserve Bank Holidays for 2026-2027
- 2026
  - New Year's Day: January 1
  - Martin Luther King Jr. Day: January 19
  - Washington’s Birthday (Presidents Day): February 16
  - Memorial Day: May 25
  - Juneteenth National Independence Day: June 19
  - Independence Day: July 4*
  - Labor Day: September 7
  - Columbus Day: October 12
  - Veterans Day: November 11
  - Thanksgiving Day: November 26
  - Christmas Day: December 25
- 2027
  - New Year's Day: January 1
  - Martin Luther King Jr. Day: January 18
  - Washington’s Birthday (Presidents Day): February 15
  - Memorial Day: May 31
  - Juneteenth National Independence Day: June 19*
  - Independence Day: July 4*
  - Labor Day: September 6
  - Columbus Day: October 11
  - Veterans Day: November 11
  - Thanksgiving Day: November 25
  - Christmas Day: December 25