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Reminder: Thursday, November 28th is Thanksgiving Day, which is a federal holiday. No ACH files or Wire Transfers will process that day and all Bank First offices will be closed. ACH files effective Friday, November 29th have a processing cut-off time of Wednesday, November 27th at 5:00 p.m. ACH Files can't be effective Thursday, November 28th and must be processed early. The cut-off time is Tuesday, November 26th at 5:00 p.m. for a Wednesday, November 27th effective date.