Fedwire® Services Operating Hours

Fedwire Funds Service Operating Hours1
as noted in Operating Circular 6

Online transfers: 9:00 p.m. on the preceding calendar day to 6:30 p.m. Eastern Time (ET)2

  • Opening of Fedwire Funds Service 9:00 p.m. ET on the preceding calendar day
  • Cut-off (Foreign Payment Orders) 5:00 p.m. ET
  • Cut-off (Other than Settlement Payment Orders) 6:00 p.m. ET
  • Cut-off (Settlement Payment Orders) 6:30 p.m. ET

Offline transfers: 9:00 a.m. to 6:00 p.m. ET2

  • Begin accepting instructions 9:00 a.m. ET
  • Cut-off (Foreign Payment Orders) 4:30 p.m. ET
  • Cut-off (Other than Settlement Payment Orders) 5:30 p.m. ET
  • Cut-off (Settlement Payment Orders) 6:00 p.m. ET

Please note: The Federal Reserve Banks funds transfer business day begins at 9:00 p.m. ET on the preceding calendar day and ends at 6:30 p.m. ET regardless of the Reserve Bank’s geographic location or time zone. For example, on a Sunday, the Fedwire Funds Service will open at 9:00 p.m. ET with a cycle date of Monday, although transfers sent from 9:00 p.m. to midnight ET on Sunday will settle in real time on Sunday.

Fedwire Securities Service Operating Hours1
as noted in Operating Circular 7 

Online transfers: 8:30 a.m. to 7:00 p.m. ET2

  • Opening of Fedwire Securities Service 8:30 a.m. ET
  • Cut-off (Interbank Originations) 3:15 p.m. ET
  • Cut-off (Interbank Reversals) 3:30 p.m. ET
  • Cut-off (Repositioning against payment) 4:30 p.m. ET
  • Cut-off (Repositioning free of payment) 7:00 p.m. ET

Offline instructions: 9:00 a.m. to 4:00 p.m. ET2

  • Begin accepting instructions 9:00 a.m. ET
  • Cut-off (Same-day Instructions) 1:30 p.m. ET
  • Cut-off (Future-day Instructions) 4:00 p.m. ET

For information on requesting an extension to these operating hours, review the Fedwire Services Extension Guidelines. For additional information about the Fedwire Funds Service, Fedwire Securities Service or the National Settlement Service, visit the service offerings pages or contact your account executive.

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1The Reserve Banks observe the following standard holidays: All Saturdays, All Sundays, New Year’s Day (January 1), Martin Luther King’s Birthday (third Monday in January), Presidents’ Day (third Monday in February), Memorial Day (last Monday in May), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans’ Day (November 11), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25). If January 1, July 4, November 11, or December 25 fall on a Sunday, the next following Monday is a standard Reserve Bank holiday. For the Fedwire Funds Service, when a non-holiday (for example, a non-holiday Monday) follows a standard holiday (for example, Sunday), the funds transfer business day begins at 9:00 p.m. ET on the holiday (the Sunday).

2 The Reserve Banks may decide, in their sole discretion, to open or close the Fedwire Services at an earlier time, or extend the Fedwire Services, to facilitate special market needs.