October 13 is not a federal bank holiday in the United States
October 13 falls on a Friday in 2024 and a Saturday in 2025, but neither year makes it a day when federal banks close. The Federal Reserve and most commercial banks operate normally on October 13. If you need to conduct banking business that day, your branch should be open during regular hours.
Federal bank holidays are set by Congress and explore to all banks that are members of the Federal Reserve System. October has only one federal holiday: Columbus Day, which falls on the second Monday of the month. In 2024, that is October 14, and in 2025, it is October 13 — but even then, most banks remain open on that date.
The confusion often arises because Columbus Day is a federal holiday, meaning government offices close. Banks, however, follow a separate list of holidays established by the Federal Reserve Board. Columbus Day does not appear on that list, so banks do not close for it.
Key Takeaways
- October 13 is not a federal bank holiday, and banks operate on their normal schedule that day.
- Columbus Day, which sometimes falls on October 13, is a federal holiday for government offices but not for banks.
- The Federal Reserve publishes an official list of bank holidays each year, and October 13 does not appear on it.
- If you need to deposit checks or withdraw cash on October 13, your bank branch should be open during business hours.
- Some individual banks or credit unions may observe different holidays based on their own policies, so checking with your institution is always wise.
Which days banks actually close in October
Banks do not close for any federal holiday in October. The Federal Reserve's official holiday calendar for 2024 and 2025 does not include October 13, Columbus Day, or any other October date. This means you can conduct in-person banking throughout the entire month.
If you are planning a banking transaction for mid-October, you do not need to work around a holiday closure. However, if October 13 falls on a weekend (as it does in 2025), your branch will be closed straightforward because it is Saturday or Sunday, not because of a holiday.
Why banks and government offices have different holiday schedules
The Federal Reserve Board maintains its own list of holidays separate from the federal holidays observed by the U.S. government. Federal holidays like Columbus Day, Veterans Day, and Thanksgiving close government offices, post offices, and courts, but they do not automatically close banks.
Banks close only on the holidays the Federal Reserve designates: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. This list is much shorter than the full federal holiday calendar, which is why you can bank on days when government offices are shut.
Individual banks and credit unions may choose to close on additional days based on their own policies or regional observances, but they must remain open on the Federal Reserve's designated holidays to maintain their charter. Some institutions close on Good Friday or other religious holidays, but this is optional and varies by bank.
How to check if your specific bank is open on October 13
The safest approach is to contact your bank directly or check its website. Search for "[Your Bank Name] hours" or "[Your Bank Name] holiday schedule" to find the information quickly. Most banks post their holiday closures online several months in advance.
If October 13 falls on a weekday, assume your bank is open unless you see it listed as a holiday closure on the bank's website or app. If it falls on a weekend, your branch will be closed regardless of whether it is a holiday, but you can still use ATMs and mobile banking services.
Credit unions follow similar Federal Reserve guidelines, though some may have slightly different schedules. If you bank at a credit union, their website or member services line will confirm whether they are open on October 13.
What to do if you need banking services on October 13
If October 13 is a weekday and your bank is open, you can visit a branch, use an ATM, or conduct business through mobile banking or online banking. Most routine transactions — deposits, withdrawals, transfers, bill payments — can be completed outside of business hours through digital channels.
If you need to speak with a representative and your branch is closed (because October 13 falls on a weekend), you can call your bank's customer service line. Many banks operate phone support seven days a week, even on holidays. You can also schedule an appointment for the next business day or handle your transaction online.
For time-sensitive matters like disputing a charge or reporting fraud, do not wait for a branch to open. Call your bank's customer service number on the back of your card — these lines typically operate around the clock.
Federal bank holidays for 2024 and 2025
| Holiday | 2024 Date | 2025 Date |
|---|---|---|
| New Year's Day | January 1 | January 1 |
| Martin Luther King Jr. Day | January 15 | January 20 |
| Presidents' Day | February 19 | February 17 |
| Memorial Day | May 27 | May 26 |
| Juneteenth | June 19 | June 19 |
| Independence Day | July 4 | July 4 |
| Labor Day | September 2 | September 1 |
| Thanksgiving Day | November 28 | November 27 |
| Christmas Day | December 25 | December 25 |
Notice that October does not appear on this list. Columbus Day, which falls in October, is a federal holiday for government offices but not for banks. The Federal Reserve does not recognize it as a banking holiday, so banks remain open.
Frequently Asked Questions
Will my bank be open on October 13, 2024?
Yes, October 13, 2024 is a Friday and not a federal bank holiday. Your bank should be open during regular business hours. If you want to confirm, check your bank's website or call the branch directly.
Is Columbus Day a bank holiday?
No. Columbus Day is a federal holiday, meaning government offices and courts close, but the Federal Reserve does not recognize it as a banking holiday. Banks operate normally on Columbus Day, which falls on the second Monday of October.
Can I use my ATM on October 13 if the branch is closed?
Yes. ATMs operate 24/7 regardless of bank holidays or branch hours. You can withdraw cash, check your balance, and deposit checks at ATMs on October 13 or any other day.
What if my bank says it is closed on October 13?
If October 13 falls on a weekend, your branch will be closed for that reason alone. If it falls on a weekday and your bank is closed, contact them to ask why — it may be a regional observance or an internal policy not related to a federal holiday.
Where can I find my bank's official holiday schedule?
Visit your bank's website and search for "holiday hours" or "holiday schedule." Most banks publish this information in their customer service section. You can also call your branch or use the bank's mobile app to check hours for specific dates.