TD Bank is closed on Columbus Day

TD Bank observes Columbus Day as a federal holiday and closes all branches on that day. If you need to visit a branch, withdraw cash, or handle in-person banking, you will need to go on a different day. Online banking, ATMs, and mobile app functions remain available 24/7, even when branches are closed.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. Check your calendar or TD Bank's website to confirm the exact date, since some people confuse it with other October holidays.

Key Takeaways

  • All TD Bank branches close on Columbus Day, but ATMs and online banking stay open around the clock.
  • Columbus Day is the second Monday in October, so the date changes every year.
  • If you need to deposit a check or speak to a banker in person, plan your visit for the day before or after the holiday.
  • Mobile deposits, bill pay, and transfers through the TD Bank app work on Columbus Day the same as any other day.
  • If you have a time-sensitive transaction, use online or mobile banking rather than waiting for a branch to reopen.

What you can and cannot do on Columbus Day

TD Bank branches will not be staffed on Columbus Day, so you cannot visit a teller, open a new account, apply for a loan, or speak to a banker face-to-face. You also cannot use the branch's safe deposit box or notary services. If you need any of these services, complete them on the business day before or after the holiday.

ATMs owned by TD Bank work normally on Columbus Day. You can withdraw cash, deposit checks using the mobile app (which scans the check remotely), transfer money between accounts, and check your balance. Online banking through the website or mobile app also runs without interruption. Bill payments, peer transfers, and account management all function as usual.

If you use a third-party ATM network, check whether that network observes Columbus Day. Most do, but some smaller networks may operate differently. Your TD Bank debit card works at any ATM, though you may pay a fee for out-of-network use.

Planning ahead for Columbus Day transactions

If you know you will need to visit a branch on or near Columbus Day, plan your visit for Friday or Tuesday instead. This avoids the holiday closure and the Monday rush that often happens before a long weekend. If you need to deposit a physical check, use mobile deposit through the TD Bank app instead—it processes the same way and you do not have to wait for a branch to open.

For loan applications, account openings, or other services that require a banker's help, call ahead during business hours the week before to schedule an appointment. This ensures someone is available when you arrive and prevents a wasted trip. TD Bank's phone line is staffed during regular business hours on weekdays.

If you have a bill due on Columbus Day or the day after, pay it online or through the mobile app at least one business day early. This prevents a late payment if the payee's processing is delayed by the holiday. Most billers process payments submitted online within one business day, but some take longer.

Other federal holidays when TD Bank closes

TD Bank closes on all federal holidays recognized by the U.S. government. These include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank may also close on the day after Thanksgiving, depending on the year.

Some states observe additional holidays that TD Bank may recognize in those states only. For example, some Southern states observe Confederate Memorial Day. Check TD Bank's holiday schedule on their website or call your local branch to confirm whether a specific day affects your banking.

How to find your branch's exact hours

TD Bank's website has a branch locator tool where you can enter your zip code and see the hours for your nearest location. Hours vary by branch—some open at 8 a.m. and close at 5 p.m., while others stay open until 6 or 7 p.m. on weekdays, and some have Saturday hours. The locator also shows which branches are open on Sunday.

You can also call your branch directly to confirm it is open before you visit. The phone number appears in the branch locator. If you are traveling or visiting an unfamiliar area, use the locator to find a TD Bank branch near you and check its hours in advance.

Using mobile and online banking on Columbus Day

TD Bank's mobile app and website are fully functional on Columbus Day. You can log in, check your balance, view recent transactions, transfer money between your own accounts, and send money to other people using Zelle or other peer transfer services. Bill pay works the same way—schedule payments or pay bills immediately through the app.

Mobile check deposit is especially useful on Columbus Day. Open the app, select "Mobile Deposit," take photos of the front and back of your check, and submit it. The check is deposited into your account and typically clears within one business day. This means you do not have to wait for a branch to reopen to deposit a check you received on or before the holiday.

If you encounter a technical problem with the app or website on Columbus Day, TD Bank's customer service line may have limited staffing. Try again the next business day, or use an ATM to handle basic transactions like cash withdrawal.

What happens if you need emergency banking on Columbus Day

If you have a genuine emergency—such as a fraudulent charge, a lost debit card, or a critical account issue—call TD Bank's customer service line. The number is on the back of your debit card and on the TD Bank website. Customer service is staffed on holidays, though wait times may be longer than usual.

For a lost or stolen card, customer service can deactivate it immediately and arrange for a replacement to be mailed or picked up at a branch. For fraud disputes, you can report the charge over the phone and start the dispute process. For account lockouts or other access problems, customer service can often resolve them without requiring a branch visit.

If your issue truly cannot wait and customer service cannot help, some TD Bank branches in major cities may have limited holiday hours. Call ahead to confirm before traveling to a branch on Columbus Day.

Frequently Asked Questions

Can I use my TD Bank debit card on Columbus Day?

Yes. Your debit card works at any ATM and any merchant on Columbus Day. You can make purchases, withdraw cash, and check your balance. The only thing you cannot do is visit a TD Bank branch in person.

Will my direct deposit process on Columbus Day?

Direct deposits typically process on the scheduled date regardless of whether it is a holiday, but the timing depends on your employer's payroll system. If your deposit is scheduled for Columbus Day, it may post to your account on that day or the next business day. Check with your employer's payroll department if you are unsure.

What if I need to dispute a charge on Columbus Day?

Call TD Bank's customer service line on the back of your debit card. You can report fraud and start a dispute over the phone on any day, including holidays. Customer service is staffed on Columbus Day, though wait times may be longer than usual.

Can I pay my TD Bank credit card bill on Columbus Day?

Yes. Pay through the TD Bank website or mobile app anytime on Columbus Day. If you pay by phone, call customer service. Payments submitted online typically post within one business day, so submit your payment by the end of business on Columbus Day to avoid a late fee if your bill is due soon after.

Are TD Bank ATMs open on Columbus Day?

Yes. TD Bank ATMs operate 24/7, including on Columbus Day. You can withdraw cash, deposit checks using mobile deposit, transfer money, and check your balance at any time.