Deposit Schedule for Punchey Merchant Services

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:

Funding Schedule

Processed On	Funds Received By
Friday, Saturday & Sunday until 9:20 PM ET	Tuesday by 5:00 AM
Monday until 9:20 PM ET	Wednesday by 5:00 AM
Tuesday until 9:20 PM ET	Thursday by 5:00 AM
Wednesday until 9:20 PM ET	Friday by 5:00 AM
Thursday until 9:20 PM ET	Monday by 5:00 AM

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

Bank Holidays Impact on Deposits

Please note that 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.

Here are the Federal Reserve Bank holidays for the upcoming years:

2025

New Year's Day: January 1
Martin Luther King Jr. Day: January 20
Washington's Birthday (Presidents Day): February 17
Memorial Day: May 26
Juneteenth National Independence Day: June 19
Independence Day: July 4
Labor Day: September 1
Columbus Day: October 13
Veterans Day: November 11
Thanksgiving Day: November 27
Christmas Day: December 25

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

(* = Observed date when the holiday falls on a weekend)