Most banks are closed on Indigenous Peoples Day
Indigenous Peoples Day is a federal holiday, so most large banks — including Bank of America, Wells Fargo, Chase, and Citibank — close their physical branches on that day. The holiday falls on the second Monday of October each year.
However, "closed" does not mean you have no access to your money. ATMs stay open 24/7 at nearly all banks, so you can withdraw cash, check balances, and make transfers at the machine even when the branch is dark. Online banking and mobile apps work the same way they do any other day.
Some credit unions and smaller regional banks may have different schedules, so if you bank somewhere other than a major national chain, call ahead or check your bank's website to confirm whether your specific branch will be open.
Key Takeaways
- Federal banks close their physical branches on Indigenous Peoples Day (second Monday in October), but ATMs and online banking remain available.
- Wire transfers, bill payments, and account transfers can all be done through your bank's app or website on the holiday.
- Credit unions and regional banks may stay open, so check your bank's holiday schedule before the day arrives.
- If you need to speak to a person, most banks offer phone support on federal holidays, though wait times may be longer.
What you can still do on Indigenous Peoples Day
Even though the branch is closed, your bank's digital services run normally. You can log into your online account or mobile app to transfer money between your own accounts, pay bills, deposit checks by phone camera, and send money to other people through services like Zelle or your bank's own transfer tool.
ATM withdrawals, deposits (at banks with ATM deposit slots), and balance checks all work as usual. If your bank uses cardless ATM access through your phone, that works too.
Debit card purchases go through normally — the holiday does not freeze your card or prevent transactions at stores, gas stations, or online retailers.
When you might need to wait until the branch reopens
Some tasks require a person on the other end. If you need to dispute a transaction, report a lost or stolen card in person, open a new account, apply for a loan, or get a cashier's check, you will have to wait until the branch reopens on Tuesday (or the next business day if Indigenous Peoples Day falls on a Monday before a weekend).
You can start the process by phone or online — most banks have customer service lines open on federal holidays — but the final step usually requires an in-person visit or a mailed document.
How to find your bank's Indigenous Peoples Day hours
The fastest way is to search "[Your Bank Name] Indigenous Peoples Day hours" or "[Your Bank Name] federal holiday hours" online. Most banks post their holiday schedule on their website in September.
You can also call your branch directly or use your bank's app or website to look up hours. Many banking apps show holiday closures in the branch locator tool — just tap the branch name and scroll down to see the full holiday schedule.
If you bank at a credit union, check your credit union's website or call the main number. Credit unions are not required to follow the same federal holiday schedule as banks, so some stay open while others close.
What happens if you need cash before the holiday
Plan ahead. Withdraw what you need from an ATM the day before Indigenous Peoples Day, or use your debit card to get cash back at a grocery store or retailer. Most stores will give you cash back on a debit card purchase at no charge.
If you wait until the holiday itself, you can still use any ATM in your bank's network or a network your bank belongs to (like Allpoint or MoneyPass). Out-of-network ATM withdrawals usually cost $2 to $3, so using your own bank's ATM saves money.
Banks that may stay open on Indigenous Peoples Day
Not all financial institutions treat Indigenous Peoples Day as a holiday. Some credit unions, online-only banks, and smaller regional banks stay open. If you bank with a smaller institution, do not assume it is closed — check directly.
Online banks like Ally, Charles Schwab, and Discover have no physical branches, so there is no "closed" branch to worry about. You can do everything online or by phone any day of the year, including Indigenous Peoples Day.
Frequently Asked Questions
Can I use my debit card on Indigenous Peoples Day?
Yes. Your debit card works at stores, ATMs, and online retailers on Indigenous Peoples Day just like any other day. The branch being closed does not affect your card or your ability to make purchases.
Will my direct deposit go through on Indigenous Peoples Day?
Direct deposits scheduled for Indigenous Peoples Day usually post the next business day (Tuesday) instead. Check with your employer or the organization sending the deposit to confirm the exact timing, as some payroll systems process on the day before the holiday.
Can I deposit a check on Indigenous Peoples Day?
If your bank has mobile check deposit through the app, yes — you can photograph and deposit the check anytime. If you need to use an ATM deposit slot, check whether your bank's ATMs have that feature. Otherwise, you will have to wait until Tuesday to deposit in person or by mail.
What if I need to report fraud on Indigenous Peoples Day?
Call your bank's customer service line — most banks staff these on federal holidays. You can report the fraud by phone and get a temporary card or freeze issued immediately. The formal dispute process can wait until the branch reopens, but reporting it right away protects your account.
Do online banks close on Indigenous Peoples Day?
No. Banks with no physical branches, like Ally or Discover, operate normally on Indigenous Peoples Day. You can transfer money, pay bills, and contact customer service the same way you would on any other day.