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

Columbus Day is a federal holiday, and nearly all major banks — including Bank of America, Chase, Wells Fargo, Citibank, and regional institutions — close their branch locations on this day. Your debit card and ATM will still work, but you cannot visit a teller, deposit checks in person, or handle transactions that require a banker's help.

Some credit unions also close on Columbus Day, though a small number stay open. Call your bank or credit union directly if you are unsure about their specific schedule, or check their website for holiday hours — most post this information weeks in advance.

Key Takeaways

  • Federal banks close entirely on Columbus Day, October 13, 2025, but ATMs and online banking remain available.
  • Check your specific bank's website or call their customer service line to confirm closure, since some credit unions and smaller institutions may have different schedules.
  • Plan ahead if you need to deposit checks, withdraw large amounts of cash, or speak with a banker — do this before the holiday.
  • Wire transfers, bill payments, and other online transactions can usually be completed on Columbus Day, though they may not process until the next business day.

What you can and cannot do on Columbus Day

ATMs work normally on Columbus Day — you can withdraw cash, check your balance, and transfer money between your own accounts at any time. Online banking, mobile apps, and phone banking also operate as usual. If you need to pay a bill or send money electronically, you can start the transaction on Monday, though the receiving bank may not process it until Tuesday.

You cannot visit a branch to deposit a check, withdraw cash from a teller, open a new account, apply for a loan, or resolve account issues that require staff assistance. If you have a time-sensitive banking need, handle it on Friday, October 10, or wait until Tuesday, October 14.

When to plan ahead for Columbus Day banking

If you receive a paycheck that deposits on Monday, October 13, your employer's bank will process it normally — the holiday does not stop payroll deposits. However, if you need to deposit a check yourself, you must do it before the holiday closes or use mobile check deposit through your bank's app if that feature is available.

Wire transfers initiated on Columbus Day may sit in queue until Tuesday morning. If you are sending money to pay rent, a bill, or another time-sensitive payment, send it on Friday instead. The same applies to ACH transfers and other electronic payments — they can be initiated on Monday but will not clear until the next business day.

Credit unions and smaller banks may have different hours

While most credit unions close on Columbus Day, some remain open with reduced hours. Call your credit union ahead of time to confirm. Smaller regional banks and community banks vary — some close entirely, others open for limited hours, and a few stay open all day.

Online-only banks like Ally, Charles Schwab, and Discover have no physical branches, so the holiday does not affect them. You can access your account and move money anytime, though transfers to other banks may not process until the next business day.

How to find your bank's Columbus Day hours

Visit your bank's website and look for "Holiday Hours" or "Branch Hours." Most banks post this information in a dedicated section or in the branch locator tool. You can also call your local branch directly — the phone line usually has a recorded message about holiday closures.

If you bank with a large national chain, you can also search "[Bank Name] Columbus Day hours" to find official information. Do this by October 10 so you have time to plan any deposits or withdrawals you need to make.

What happens if you need emergency banking on Columbus Day

If you have a genuine emergency — a fraudulent charge, a locked account, or a critical issue — call your bank's customer service line. Most banks maintain a 24/7 phone line for cardholders, even on holidays. They may not be able to resolve everything immediately, but they can document the issue and escalate it for action on Tuesday.

If your debit card is lost or stolen, call the number on the back of your card or your bank's main customer service line to report it. This can be done on Columbus Day and will stop fraudulent charges right away.

Frequently Asked Questions

Will my paycheck deposit on Columbus Day?

Yes. Payroll deposits are processed by your employer's bank and are not affected by the holiday. Your paycheck will land in your account on the normal schedule, usually the same day it would on any other Monday.

Can I use my debit card on Columbus Day?

Yes. ATMs and debit card transactions work normally on Columbus Day. You can withdraw cash, make purchases, and check your balance anytime. Only in-person branch services are unavailable.

What if I need to deposit a check on Columbus Day?

If your bank offers mobile check deposit through its app, you can photograph and submit the check on Monday and it will process on Tuesday. Otherwise, deposit the check on Friday, October 10, or wait until Tuesday, October 14. Some banks also have ATMs that accept check deposits.

Do wire transfers go through on Columbus Day?

You can initiate a wire transfer on Monday, but it will not clear until Tuesday at the earliest. If the transfer is time-sensitive, send it on Friday instead. Call your bank if you are unsure whether a specific transfer will process in time.

Are online banks open on Columbus Day?

Yes. Banks that operate only online, like Ally and Discover, have no branches and are not affected by the holiday. You can access your account and move money anytime, though transfers to other banks may not process until the next business day.