Most banks will be closed on Columbus Day, Monday, October 13, 2025

Columbus Day is a federal holiday, and the major U.S. banks treat it as a day when branches close and regular services stop. This means no in-person transactions, no teller service, and no access to safe deposit boxes. If you need cash or have banking business that day, you'll need to plan ahead.

The banks that close on Columbus Day include Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC, and most regional and community banks. Some credit unions also close, though a few stay open—check with yours directly if you're unsure.

ATMs and online banking continue to work on Columbus Day. You can withdraw cash from ATMs, check balances, transfer money between your own accounts, and pay bills online without interruption. Mobile banking apps function normally as well.

Key Takeaways

  • Major U.S. banks close their branches on Columbus Day, October 13, 2025, because it is a federal holiday.
  • ATMs remain available 24/7, so you can withdraw cash even when branches are closed.
  • Online and mobile banking work normally on the holiday, letting you transfer funds and pay bills from home.
  • If you need to speak to a banker or handle something that requires a person, plan to visit on October 10 (Friday) or October 14 (Tuesday).
  • Some credit unions and smaller banks may have different holiday schedules, so confirm with your institution if you're unsure.

What you can and cannot do on Columbus Day

You cannot walk into a branch and speak to a teller, deposit a check in person, access a safe deposit box, or get a cashier's check. If your bank requires a signature or in-person verification for something, that will have to wait until the branch reopens.

You can use ATMs to withdraw cash, deposit checks through mobile deposit (photograph the check with your phone and submit it through the app), transfer money to other accounts, pay bills online, and check your balance. Most routine banking moves that don't require a person can happen on the holiday.

If you're locked out of your online account or need to reset a password, customer service phone lines may be closed or staffed minimally. Some banks maintain a skeleton crew for emergencies, but response times are typically slower on federal holidays.

Planning ahead if you need banking services

If you know you'll need cash on Columbus Day, withdraw it on Friday, October 10. If you need to deposit a check, use mobile deposit through your bank's app—most banks process these within one business day, so a check deposited on Friday will clear by Monday or Tuesday.

If you have a time-sensitive transaction that requires speaking to someone, call your bank on Friday to handle it then or schedule a callback for Tuesday, October 14. Some banks allow you to book appointments in advance through their website or app.

If you're traveling and need cash but forgot to withdraw it, ATMs at airports, hotels, and convenience stores work on holidays. You'll pay a surcharge if you use an out-of-network ATM, but it's faster than waiting for a branch to reopen.

Wire transfers and time-sensitive payments on the holiday

Wire transfers initiated on Columbus Day will not process until Tuesday, October 14, because the Federal Reserve and the banking system that handles wires are closed. If you need money to move by a specific date, initiate the transfer on Friday instead.

Bill payments made through your bank's online bill-pay system on Columbus Day will be scheduled for processing on Tuesday. If the payment has a due date of October 13, paying on the 10th is safer to avoid a late fee.

Credit card payments made online on Columbus Day will typically post on Tuesday. If your payment is due on October 13, make the payment on Friday to may support it arrives on time and avoids interest or penalties.

Checking your specific bank's holiday schedule

Most banks post their holiday hours on their website under "Locations" or "Hours." You can search for your nearest branch and see whether it's closed on October 13. Some banks also list holiday hours in their mobile app.

If you bank with a smaller institution or credit union, call the branch directly or check their website. A few credit unions and community banks operate on different holiday schedules or maintain limited hours on federal holidays, so it's worth confirming rather than assuming.

If you're a customer of an online-only bank like Ally, Chime, or Charles Schwab, branch closures don't affect you because you have no physical branch. Your account functions normally on Columbus Day, though customer service response times may be slower.

What happens if you need emergency banking on October 13

If your debit card is lost or stolen, call the number on the back of your card or your bank's customer service line. Most banks maintain 24/7 fraud lines even on holidays, and they can freeze your card and issue a replacement when ready.

If you discover unauthorized transactions on your account, report them to your bank's fraud department as soon as you notice them. The sooner you report, the sooner the bank can investigate and reverse the charges. This can happen on a holiday.

If you have a genuine emergency—a check bounced, a payment failed, or something similar—call your bank's main customer service line. A representative may not be able to resolve it when ready, but they can document the issue and flag it for the next business day.

Frequently Asked Questions

Can I use my debit card on Columbus Day if the bank is closed?

Yes. Your debit card works at ATMs and stores on Columbus Day because the payment networks (Visa, Mastercard) operate 24/7. The bank branch being closed does not affect your ability to spend money or withdraw cash.

Will my direct deposit arrive on Columbus Day?

Direct deposits scheduled for October 13 may arrive a day late because the Federal Reserve processes ACH transfers (the system that handles direct deposits) on a delayed schedule on federal holidays. If your paycheck is due on the 13th, it often lands on the 14th instead. Check with your employer or payroll provider about their specific schedule.

What if I need to deposit a check and the bank is closed?

Use mobile deposit through your bank's app. Take a photo of the front and back of the check, submit it through the app, and the bank will process it. Most banks credit mobile deposits within one business day, so a check deposited on Friday will be available by Monday or Tuesday.

Are online banks open on Columbus Day?

Online-only banks like Ally and Chime have no physical branches, so "closed" doesn't explore to them. Your account works normally on the holiday. Customer service response times may be slower, but your money and account access are not affected.

Can I pay my credit card bill on Columbus Day?

Yes, you can pay online or through your card issuer's app on Columbus Day. The payment will be processed on Tuesday, October 14. If your due date is October 13, pay on Friday the 10th to avoid a late fee.