Most banks are closed on Columbus Day 2025, which falls on Monday, October 13

Columbus Day is a federal holiday, and most banks observe it by closing their physical branches. If you need to deposit a check, withdraw cash, or speak to a teller in person, you will not be able to do so on October 13, 2025. However, ATMs remain available 24/7 at most banks, and online banking services continue to work normally.

Some banks and credit unions do stay open on Columbus Day, particularly if they are located in states that do not recognize the holiday or if they operate under different holiday schedules. A small number of larger banks may open select branches in certain regions. The safest approach is to contact your specific bank directly or check their website before that Monday.

If you have banking needs on Columbus Day, plan ahead. Complete any in-person transactions on Friday, October 10, or wait until Tuesday, October 14. For urgent matters, use your bank's ATM, mobile app, or call their customer service line — many banks staff phone support even on holidays.

Key Takeaways

  • Most bank branches close on Columbus Day (October 13, 2025), but ATMs and online banking remain open.
  • Some banks and credit unions stay open on Columbus Day depending on state law and company policy, so check with your bank directly.
  • Plan deposits, withdrawals, and account changes for Friday, October 10, or Tuesday, October 14 to avoid delays.
  • ATMs, mobile apps, and phone customer service are usually available on the holiday even when branches are closed.

Which banks close and which stay open on Columbus Day

Federal Reserve member banks and most national banks close on Columbus Day because it is a federal holiday. This includes Bank of America, Chase, Wells Fargo, Citibank, and most regional banks. However, some credit unions and smaller institutions do not observe all federal holidays, so their branches may remain open.

States that do not recognize Columbus Day — including Hawaii, Alaska, South Dakota, and parts of other states — may have banks that stay open. Even within states that observe the holiday, individual banks sometimes make different choices. A bank's holiday schedule depends on whether it is federally chartered, state chartered, or a credit union, and on the company's own policy.

The only way to know for certain is to contact your bank. Call the main customer service number, check the bank's website for holiday hours, or visit your local branch and ask. Many banks post their holiday schedule online in September or early October.

What you can do on Columbus Day if your bank is closed

ATMs work around the clock on Columbus Day. You can withdraw cash, check your balance, transfer money between your own accounts, and deposit checks at most ATMs. Mobile deposits — photographing a check through your bank's app — also work on the holiday if your bank offers this service.

Online banking portals remain open. You can pay bills, transfer money, set up automatic payments, and view your account history from any computer or phone. If you need to speak to someone, many banks staff their phone lines on holidays, though wait times may be longer than usual.

If you have a true emergency — a fraudulent charge, a lost card, or a critical account issue — call your bank's customer service number. Most banks maintain 24/7 phone support for account holders, even on federal holidays.

Planning ahead to avoid Columbus Day delays

If you need to deposit a large check, make a wire transfer, or handle any transaction that requires a teller, do it on Friday, October 10. Banks process deposits made before their Friday closing time on that day, and the funds may be available by Tuesday morning.

Checks deposited at an ATM on Columbus Day itself will not be processed until Tuesday, October 14, at the earliest. If you are waiting for a deposit to clear or need funds by a specific date, account for this extra day.

Loan applications, account openings, and other services that require a banker's time should also be scheduled for before or after the holiday. If you call on Monday to start an application, the bank will likely ask you to call back on Tuesday when staff are available to help.

How to find your bank's specific Columbus Day hours

Visit your bank's website and look for a "Holiday Hours" or "Branch Locator" page. Most banks publish their full holiday schedule by September. You can also search "[Your Bank Name] Columbus Day hours" to find the information quickly.

Call your bank's main customer service line. A representative can tell you whether your local branch is open on October 13 and what services are available. If you bank at a credit union, call the main office or check their website — credit union holiday schedules vary more widely than bank schedules.

Visit your branch in person and ask a teller. They can print or write down the holiday schedule for you, which is helpful if you want to plan multiple transactions across the fall.

What happens to automatic payments and scheduled transfers on Columbus Day

Automatic bill payments and scheduled transfers set up in advance will process normally on Columbus Day. The bank's systems run 24/7, and your payment will go through even though the branch is closed. However, the receiving bank may not process the payment until Tuesday, October 14, depending on how the transfer was set up.

If you schedule a payment to go out on Monday, October 13, it will leave your account on that day, but the recipient may not receive it until Tuesday or Wednesday. If you are paying a bill with a due date of October 13, schedule the payment for October 10 instead to ensure it arrives on time.

Wire transfers initiated on Columbus Day may also be delayed. Most banks do not process wires on federal holidays, so a wire you request on Monday will likely not leave your account until Tuesday morning.

Frequently Asked Questions

Can I use my debit card on Columbus Day if the bank is closed?

Yes. Your debit card works at any merchant or ATM on Columbus Day, regardless of whether your bank's branch is open. The bank's systems process transactions 24/7. Purchases may take an extra day to appear in your account if the merchant processes them after the holiday, but your card itself functions normally.

Will my direct deposit arrive on time if Columbus Day falls on the deposit date?

Most direct deposits arrive on schedule even on federal holidays because employers and payroll processors send them before the holiday. However, if your employer processes payroll on Monday, October 13, the deposit may arrive a day late. Contact your employer's payroll department if you are unsure when they process payments.

What if I need to report fraud on Columbus Day?

Call your bank's customer service number immediately. Most banks staff fraud departments 24/7, even on holidays. Have your card number and details of the fraudulent transaction ready. The bank can freeze your card and start an investigation right away.

Do credit unions close on Columbus Day?

Most credit unions close on Columbus Day, but not all. Some credit unions do not observe federal holidays or have different schedules. Contact your credit union directly to confirm their hours for October 13, 2025.

Can I still pay my mortgage or loan on Columbus Day?

Yes, if you pay online or by phone. If you need to make a payment in person at a branch, you will have to wait until Tuesday. Set up automatic payments or use online banking to ensure your payment is on time, even if the branch is closed.