Overview

Some financial institutions do not process Pre-Authorized Contribution (PAC) files when the scheduled processing date falls on a weekend or bank holiday. If your organization banks with one of these institutions, you can configure Silent Partner to automatically adjust the processing date to the next available business day.

Enabling this setting helps ensure your PAC files are generated on a date your bank can process, reducing the need for manual intervention and helping avoid processing delays.

If your bank already processes PAC files on weekends or holidays, this setting may not be necessary. If you're unsure, contact your financial institution to confirm its PAC processing policy.

Before using this feature, you must generate your organization's holiday list.

Before You Begin

To use this feature, ensure that:

• Confirm with your financial institution how it handles PAC files scheduled for weekends and holidays. Processing policies vary between banks, and not every organization will need this configuration.
• Your Silent Partner installation includes the holiday management feature (v5.39 or greater).
• You have generated your holiday calendar.
• Your organization has selected the holidays it observes (or those observed by your financial institution).

Note: Holiday generation is a one-time setup. You only need to generate additional years as needed.

Generate Your Holiday Calendar

1. Log in to Silent Partner.
2. Navigate to Codes List > Holidays.
3. Click the Generate Holidays button (identified by the two-calendar icon).
4. Select the holidays your organization or financial institution observes.
   • Clear any holidays that do not apply.
   • Select any additional holidays you want to include.
5. Choose the year(s) you want to generate.
   • We recommend generating holidays for the current year and at least one future year.
6. Click Generate Holidays.
7. Review the generated list to confirm it matches your organization's observed holidays.

Silent Partner automatically calculates the correct observed holiday dates when holidays fall on weekends.

How the Automatic Date Adjustment Works

After your holiday calendar has been generated, no additional setup is required.

When you create a PAC export, Silent Partner automatically checks whether the export date falls on:

• A Saturday
• A Sunday
• An observed holiday included in your generated holiday calendar

If the scheduled date is not a business day, Silent Partner automatically assigns the next available business day as the PAC export file date.

Example

Suppose your PAC export would normally be dated August 1.

• August 1 is a Saturday
• August 2 is a Sunday
• August 3 is an observed holiday

Because none of these dates are business days, Silent Partner automatically assigns August 4 as the PAC export file date.

Frequently Asked Questions

Do I need to generate holidays every year?

Yes. We recommend generating holidays for the current year and upcoming years to ensure future PAC exports are processed correctly.

Can I choose which holidays are observed?

Yes. During the holiday generation process, you can select only the holidays that apply to your organization or financial institution.

Can I review or edit the holiday list later?

Yes. Open Codes List > Holidays at any time to review your generated holiday list.

What happens if I don't generate holidays?

Weekend adjustments will still occur where applicable, but holiday-specific date adjustments require a generated holiday calendar. We recommend generating your holidays before creating PAC exports to ensure dates are assigned correctly.

Additional Information

This feature automatically applies the next available business day to your PAC export file, reducing the need for manual date adjustments and helping ensure files are created with the correct processing date.