Wells Fargo is closed on Columbus Day in most states
Wells Fargo observes Columbus Day as a federal holiday and closes all branches, ATMs remain open for withdrawals and deposits, and online banking continues to work. If you need to visit a branch, deposit a check, or speak to a banker in person, you will need to wait until the next business day. The exact date varies by year — Columbus Day falls on the second Monday of October.
Some states do not recognize Columbus Day or call it by a different name. In Hawaii it is called Aloha Festivals Day, in South Dakota it is Native American Day, and in Alaska it is Alaska Day. Wells Fargo branches in those states may have different hours. Call your local branch directly or check the Wells Fargo website to confirm whether your specific location will be open.
Key Takeaways
- Wells Fargo branches close on Columbus Day, which falls on the second Monday of October each year.
- ATMs and online banking remain available on Columbus Day, so you can withdraw cash, check balances, and transfer money without visiting a branch.
- A few states do not observe Columbus Day under that name, and Wells Fargo branches in those states may operate on a different schedule.
- Call your branch ahead of time or check the Wells Fargo website to confirm hours if you are unsure whether it will be open.
How to find your branch's Columbus Day hours
The fastest way to confirm whether your Wells Fargo branch is open on Columbus Day is to visit wellsfargo.com, click "Locations," enter your zip code, and select your branch. The location page shows holiday hours. You can also call the branch directly — the phone number appears on that same page.
If you are looking at the hours and see a note that says "Closed for holiday," that branch will not be staffed on Columbus Day. Some branches in states that do not observe Columbus Day under that name may still close if Wells Fargo's corporate policy overrides state law, so checking is worth the call.
What you can still do on Columbus Day without a branch visit
Wells Fargo ATMs work 24/7, including on Columbus Day. You can withdraw cash, deposit checks using mobile deposit or an ATM with a check slot, transfer money between your own accounts, and check your balance. If your ATM does not have a check deposit slot, use the Wells Fargo mobile app to photograph and deposit checks instead.
Online banking through wellsfargo.com or the mobile app is also open on Columbus Day. You can pay bills, transfer money to other people or accounts, set up automatic payments, and review transactions. Wire transfers initiated on Columbus Day may not process until the next business day, since the banking system itself is closed.
When deposits and payments actually post after Columbus Day
If you deposit a check at a Wells Fargo ATM on Columbus Day, it will not be processed until Tuesday (the day after the holiday). The bank counts Columbus Day as a non-business day, so deposits made on the holiday sit in queue until the next morning. Mobile check deposits follow the same rule — photograph and submit on Monday, and the check processes Tuesday.
Bill payments and transfers you schedule on Columbus Day may also delay by one day. If you set up a payment to post on Monday and the branch is closed, Wells Fargo usually processes it the next business day instead. To avoid delays, schedule payments for Tuesday or later if you are setting them up over the weekend or on the holiday itself.
Planning ahead if you need a banker on Columbus Day
If you need to speak to a banker — to open an account, apply for a loan, discuss investment options, or resolve a problem — plan to visit on Friday before the holiday or Tuesday after. Columbus Day closures affect all in-person services, including mortgage applications, credit card sign-ups, and account disputes.
Wells Fargo does offer phone support on some holidays through their customer service line, but Columbus Day is typically not one of them. Check the Wells Fargo website or call ahead to confirm whether phone support will be available. If you have an urgent issue, sending a secure message through online banking can create a record of your request, even if a banker does not respond until Tuesday.
Other federal holidays when Wells Fargo branches close
Wells Fargo closes branches on all federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on Good Friday, though this varies by location. ATMs and online banking remain open on all of these days.
If you are unsure whether a specific holiday will close your branch, the Wells Fargo website lists holiday hours for each location. You can also call your branch directly to ask about upcoming closures, which is especially useful if you have a time-sensitive transaction planned.
Frequently Asked Questions
Can I use my Wells Fargo debit card on Columbus Day?
Yes. Your debit card works at any ATM or merchant on Columbus Day. You can make purchases, withdraw cash, and check your balance without any interruption. Only in-person branch services are affected by the holiday closure.
Will my direct deposit post on Columbus Day?
Direct deposits scheduled for Columbus Day will not post until Tuesday, the next business day. The federal banking system does not process transactions on federal holidays, so your employer's deposit sits in queue until the holiday ends.
What if I need to dispute a charge on Columbus Day?
You can report a fraudulent or incorrect charge through the Wells Fargo mobile app or website by sending a secure message. A banker will not respond until Tuesday, but your message creates a record with a timestamp. For urgent fraud, call the number on the back of your card — Wells Fargo maintains a fraud line on holidays.
Do all Wells Fargo branches close on Columbus Day?
Most do, but branches in Hawaii, South Dakota, and Alaska may have different hours because those states do not observe Columbus Day under that name. Call your specific branch or check the Wells Fargo website to confirm your location's schedule.
Can I open a new account on Columbus Day?
No. Account openings require a banker and can only happen when the branch is open. Plan to visit on Friday before the holiday or Tuesday after if you need to open a new account.