October 13, 2025 is a Monday, and most banks will be open

October 13, 2025 falls on a regular Monday with no federal holiday. Your bank should operate on its normal weekday schedule — typically 9 a.m. to 5 p.m., though hours vary by branch and by bank.

The closest federal holiday is Columbus Day on October 13 in some states, but the federal banking holiday for Columbus Day is observed on the second Monday of October, which in 2025 is October 13. This means banks that follow federal holiday closures will be closed on this date. However, not all banks close for Columbus Day — some remain open, and some states do not recognize it at all.

The safest move is to check your specific bank's website or call your branch directly. Most banks post their holiday schedule online, and a quick search for "[Your Bank Name] holiday hours 2025" will show you whether that location closes.

Key Takeaways

  • October 13, 2025 is the federal banking holiday for Columbus Day, so many banks will be closed, though not all.
  • Some banks stay open on Columbus Day, and some states do not recognize the holiday at all, so you cannot assume your bank is closed.
  • Your bank's website or a phone call to your branch is the only reliable way to know your specific location's hours.
  • If you need to deposit a check or withdraw cash on October 13, plan to use an ATM or mobile deposit instead.

Which banks close for Columbus Day

Banks that are members of the Federal Reserve system and follow federal holiday schedules typically close on Columbus Day. This includes most large national banks like Bank of America, Wells Fargo, Chase, and Citibank. However, some regional banks and credit unions have their own policies and may stay open.

The federal government observes Columbus Day on the second Monday of October, which is October 13 in 2025. Banks that close for federal holidays will be closed on this date. If your bank is not a member of the Federal Reserve or does not follow federal holiday schedules, it may remain open.

How to find your bank's hours for October 13

The fastest way is to visit your bank's website and look for a "Holiday Hours" or "Branch Hours" section. Most banks publish their full holiday schedule for the year, and you can search for October or Columbus Day specifically.

If you cannot find the information online, call your branch directly. The phone number is usually on your debit card, on your bank statements, or in your online banking portal. A staff member can tell you in seconds whether that location is open on October 13.

You can also check your bank's mobile app — many apps show branch hours and let you search by date.

What to do if your bank is closed

If your bank closes on October 13 and you need to deposit a check, use mobile deposit through your bank's app or website. Most banks let you photograph the front and back of a check and submit it without visiting a branch. The deposit usually posts within one to two business days.

If you need cash, use an ATM. ATMs operate 24/7 regardless of whether the branch is open, so you can withdraw money anytime. Some banks charge a fee if you use an ATM outside their network, so check whether there is a fee-free ATM near you.

If you need to speak to someone at the bank — to dispute a charge, ask about a loan, or handle something that requires a person — you will need to wait until October 14 or later, or contact the bank by phone or online chat if those options are available.

States that do not observe Columbus Day

A handful of states do not recognize Columbus Day as a holiday. In these states, banks may not close on October 13 even if they normally follow federal holiday schedules. The states that do not observe Columbus Day are Hawaii, Alaska, South Dakota, and some Native American tribes.

If you live in one of these states, your bank is more likely to be open on October 13. However, you should still check with your specific bank, because some banks in these states may choose to close anyway, or may have different policies for different branches.

Planning ahead for October 13

If you know you will need to visit your bank on October 13, check the hours now rather than waiting until that day. This gives you time to plan an alternative if the branch is closed — such as using mobile deposit, visiting an ATM, or handling your banking on a different day.

If you have a time-sensitive banking need — such as a wire transfer, a loan process, or a dispute that needs when ready attention — contact your bank before October 13 to see whether you can handle it on October 12 or wait until October 14.

Frequently Asked Questions

Will ATMs work if my bank is closed on October 13?

Yes. ATMs operate 24/7 regardless of whether the branch is open. You can withdraw cash, check your balance, and transfer money between your accounts anytime, even on holidays.

Can I deposit a check on October 13 if the bank is closed?

You can use mobile deposit through your bank's app or website to photograph and submit a check anytime, including October 13. The deposit will post within one to two business days. Some banks also allow you to mail a check or use an ATM deposit slot if available.

Do credit unions close on Columbus Day?

Some credit unions close on Columbus Day and some stay open. It depends on the individual credit union's policy. Check your credit union's website or call your branch to confirm.

What if I need to speak to someone at my bank on October 13?

If the branch is closed, you may be able to reach customer service by phone or through online chat, depending on your bank. Check your bank's website for contact options. Otherwise, you will need to visit or call on October 14 or later.

Is October 13, 2025 a holiday everywhere?

Columbus Day is a federal holiday on October 13, 2025, but not all states recognize it, and not all banks close for it. Hawaii, Alaska, South Dakota, and some Native American tribes do not observe Columbus Day. Check with your specific bank to know for certain.