{
  "feed": "bank-holiday-hours",
  "title": "Guatemalan bank closures",
  "source": "Superintendencia de Bancos (Junta Monetaria-approved asueto calendar)",
  "source_url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
  "generated_at": "2026-09-20T14:59:35Z",
  "lastUpdated": "2026-09-20T14:59:35Z",
  "notes": [
    "The SIB bank calendar and the Codigo de Trabajo Art. 127 asueto list are DIFFERENT lists. Dia del Empleado Bancario and Dia de la Raza close banks but are not Art. 127 asuetos; Sabado Santo is an Art. 127 asueto that the 2026 bank calendar does not carry."
  ],
  "source_probes": {
    "sib_calendar": {
      "url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "rung": null,
      "verdict": "walled-or-down",
      "checked": "2026-09-20"
    },
    "sib_roster": {
      "url": "https://www.sib.gob.gt/wp-content/uploads/PDF.pdf",
      "rung": null,
      "verdict": "walled-or-down",
      "checked": "2026-09-20"
    },
    "bac_ach": {
      "url": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "rung": "3-curl_cffi-chrome124",
      "verdict": "reachable",
      "checked": "2026-09-20"
    },
    "banrural_ach": {
      "url": "https://www.banrural.com.gt/site/empresas/servicios/transferencia-otros-bancos-ach",
      "rung": "1-plain",
      "verdict": "reachable",
      "checked": "2026-09-20"
    }
  },
  "capture_file": "data/captures/bank-holiday-hours-2026-09-20.json",
  "captured_at": "2026-09-20",
  "fetch_rung": "0-browser-capture",
  "fullDays": [
    {
      "date": "2026-01-01",
      "es": "ENERO Jueves 1 Año Nuevo",
      "name": "New Year's Day",
      "scope": "national"
    },
    {
      "date": "2026-04-02",
      "es": "ABRIL Jueves 2 Jueves Santo",
      "name": "Maundy Thursday",
      "scope": "national"
    },
    {
      "date": "2026-04-03",
      "es": "ABRIL Viernes 3 Viernes Santo",
      "name": "Good Friday",
      "scope": "national"
    },
    {
      "date": "2026-05-01",
      "es": "MAYO Viernes 1 Día del Trabajo",
      "name": "Labour Day",
      "scope": "national"
    },
    {
      "date": "2026-06-26",
      "es": "JUNIO Viernes 26 Día del Empleado Bancario (corresponde al 1 de julio)",
      "name": "Bank Employee's Day",
      "scope": "national",
      "bankOnly": true
    },
    {
      "date": "2026-06-29",
      "es": "JUNIO Lunes 29 Aniversario de la Revolución de 1871 (corresponde al 30 de junio)",
      "name": "Army Day / 1871 Revolution",
      "scope": "national"
    },
    {
      "date": "2026-08-14",
      "es": "AGOSTO Viernes 14 Asunción de Nuestra Señora (corresponde al 15 de agosto, aplica únicamente para la ciudad Capital)",
      "name": "Assumption",
      "scope": "Guatemala City only"
    },
    {
      "date": "2026-09-15",
      "es": "SEPTIEMBRE Martes 15 Aniversario de la Independencia",
      "name": "Independence Day",
      "scope": "national"
    },
    {
      "date": "2026-10-12",
      "es": "OCTUBRE Lunes 12 Día de la Raza",
      "name": "Día de la Raza",
      "scope": "national",
      "bankOnly": true
    },
    {
      "date": "2026-10-20",
      "es": "OCTUBRE Martes 20 Aniversario de la Revolución",
      "name": "Revolution Day",
      "scope": "national"
    },
    {
      "date": "2026-11-02",
      "es": "NOVIEMBRE Lunes 2 Día de Todos los Santos (corresponde al  1 de noviembre)",
      "name": "All Saints",
      "scope": "national"
    },
    {
      "date": "2026-12-25",
      "es": "DICIEMBRE Viernes 25 Navidad",
      "name": "Christmas Day",
      "scope": "national"
    }
  ],
  "halfDaysAfternoon": [
    {
      "date": "2026-04-01",
      "es": "ABRIL Miércoles 1 Miércoles Santo",
      "name": "Holy Wednesday"
    },
    {
      "date": "2026-12-24",
      "es": "DICIEMBRE Jueves 24 Vísperas de Navidad",
      "name": "Christmas Eve"
    },
    {
      "date": "2026-12-31",
      "es": "DICIEMBRE Jueves 31 Fin de Ejercicio",
      "name": "Year-end close"
    }
  ],
  "optionalPerInstitution": [
    {
      "date": "2026-04-26",
      "es": "Día Nacional de la Secretaria, 26 de abril. (Decreto Número 25-94, del Congreso de la República de Guatemala) queda a disposición de cada entidad.",
      "name": "National Secretary's Day"
    },
    {
      "date": "2026-05-10",
      "es": "Día de la Madre, 10 de mayo. (Decreto Número 1794, del Congreso de la República de Guatemala y resolución No. 5995, de la Junta Monetaria) queda sujeto a la disposición de cada entidad.",
      "name": "Mother's Day"
    }
  ],
  "specialClose": {
    "date": "2026-12-31",
    "es": "El 31 de diciembre, con motivo del cierre bancario de operaciones, no se abre al público, de conformidad con lo establecido por Junta Monetaria en resolución No. 5995, del 18 de diciembre de 1968."
  },
  "achRules": {
    "batchClosedOnAsueto": {
      "quote": "En días no hábiles (sábado, domingo y asuetos del sistema bancario), no se acreditará transferencias Guate ACH crédito y débito.",
      "source": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato"
    },
    "instantRunsOnAsueto": {
      "hours": "07:00-21:00",
      "quote": "Se incluyen asuetos y días festivos.",
      "cap": "Monto máximo diario Q20,000 o $2,500",
      "fee": "Comisión de Q5 por envío de transferencia o su equivalente para transferencias en USD",
      "source": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato"
    },
    "banrural": {
      "instantAvailability": "Disponibilidad del servicio: Todos los días, de 7:00 hrs. a 21:00 hrs.",
      "instantCredit": "Tiempo de acreditación: Entre 5 y 10 minutos, como máximo.",
      "bulkAvailability": "Disponibilidad del servicio: lunes a viernes.",
      "source": "https://www.banrural.com.gt/site/empresas/servicios/transferencia-otros-bancos-ach"
    }
  },
  "agencyRoster": {
    "example": "Semana Santa 2026",
    "metadataTitle": "Horarios Especiales del 01 al 05 de abril de 2026.xls",
    "pages": 23,
    "extractedLines": 1201,
    "institutionRowCounts": {
      "BANCO DE DESARROLLO RURAL, S. A.": 307,
      "BANCO INDUSTRIAL, S. A.": 193,
      "BANCO AGROMERCANTIL DE GUATEMALA, S. A.": 113,
      "BANCO PROMERICA, S. A.": 105,
      "BANCO DE AMÉRICA CENTRAL, S. A.": 84,
      "BANCO G&T CONTINENTAL, S. A.": 83,
      "BANCO INTERNACIONAL, S. A.": 62,
      "EL CRÉDITO HIPOTECARIO NACIONAL DE GUATEMALA": 59,
      "BANCO DE LOS TRABAJADORES": 50,
      "BANCO CUSCATLÁN GUATEMALA, S. A.": 6,
      "BANCO AZTECA DE GUATEMALA, S. A.": 4
    }
  },
  "weekday_check": "pass",
  "headline": "Next bank closure: 2026-10-12, Día de la Raza (closed all day)",
  "headline_note": "In 22 days. Scope: national. Source: the SIB's Junta Monetaria-approved 2026 calendar, transcribed on 2026-09-20; every weekday name in it matches the real calendar.",
  "rows": [
    {
      "label": "Next day banks are shut",
      "value": "2026-10-12 (Día de la Raza)",
      "source": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "retrieved": "2026-09-20T14:59:35Z",
      "note": "closed all day - in 22 days"
    },
    {
      "label": "Full closure days in 2026",
      "value": "12",
      "source": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "retrieved": "2026-09-20T14:59:35Z",
      "note": "Junta Monetaria-approved, Monday shifts already resolved"
    },
    {
      "label": "Afternoon half-days in 2026",
      "value": "3",
      "source": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "retrieved": "2026-09-20T14:59:35Z",
      "note": "1 April, 24 December and 31 December"
    },
    {
      "label": "Batch Guate ACH on an asueto",
      "value": "does not credit",
      "source": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "retrieved": "2026-09-20T14:59:35Z",
      "note": "BAC Credomatic, published rule"
    },
    {
      "label": "Instant ACH on an asueto",
      "value": "07:00-21:00, asuetos included",
      "source": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "retrieved": "2026-09-20T14:59:35Z",
      "note": "capped at Q20,000 or US$2,500 a day, Q5 fee per transfer"
    }
  ],
  "status": "ok",
  "last_successful_at": "2026-09-20T14:59:35Z",
  "fetch_ladder": [
    {
      "url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "rung": "1-plain",
      "status": 403,
      "bytes": 17060,
      "accepted": false
    },
    {
      "url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "rung": "2-browser-ua",
      "status": 403,
      "bytes": 17358,
      "accepted": false
    },
    {
      "url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "rung": "3-curl_cffi-chrome124",
      "status": 403,
      "bytes": 17571,
      "accepted": false
    },
    {
      "url": "https://www.sib.gob.gt/wp-content/uploads/calendario-2026.pdf",
      "rung": "4-r.jina.ai",
      "status": 403,
      "bytes": 5902,
      "accepted": false
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    {
      "url": "https://www.sib.gob.gt/wp-content/uploads/PDF.pdf",
      "rung": "1-plain",
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      "bytes": 17002,
      "accepted": false
    },
    {
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      "bytes": 17300,
      "accepted": false
    },
    {
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      "rung": "3-curl_cffi-chrome124",
      "status": 403,
      "bytes": 17514,
      "accepted": false
    },
    {
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      "status": 403,
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      "accepted": false
    },
    {
      "url": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "rung": "1-plain",
      "status": 200,
      "bytes": 311,
      "accepted": false
    },
    {
      "url": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "rung": "2-browser-ua",
      "status": 200,
      "bytes": 311,
      "accepted": false
    },
    {
      "url": "https://www.baccredomatic.com/es-gt/personas/landing/guate-ach-inmediato",
      "rung": "3-curl_cffi-chrome124",
      "status": 200,
      "bytes": 149191,
      "accepted": true
    },
    {
      "url": "https://www.banrural.com.gt/site/empresas/servicios/transferencia-otros-bancos-ach",
      "rung": "1-plain",
      "status": 200,
      "bytes": 641517,
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}