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Please be aware that February 18, 2019 is a Federal Holiday. No ACH files, Wires, or Merchant Capture transactions can process on this date. Any ACH files submitted on Friday, February 15, will have an earliest effective date of Tuesday, February 19. Any ACH files submitted on Monday, February 18, will have an earliest effective date of Wednesday, February 20. All Wires and Merchant Capture transactions received on February 18 will process on February 19.