PNC Bank is closed on Columbus Day

PNC Bank observes Columbus Day as a federal holiday and closes all branches on that day. This means you cannot visit a branch location, use the drive-through, or speak to a teller in person. The specific date changes each year because Columbus Day falls on the second Monday in October.

Your online banking, mobile app, and ATM access continue to work during the closure. You can check balances, transfer money between your own accounts, pay bills online, and withdraw cash from any PNC ATM. However, any transactions that require a person — depositing a check at the teller window, getting a cashier's check, opening a new account, or speaking to customer service about a problem — will have to wait until the next business day.

Key Takeaways

  • All PNC Bank branches close on Columbus Day, which falls on the second Monday of October each year.
  • ATMs and online banking remain available during the holiday, so you can withdraw cash and move money between your accounts.
  • Deposits made at an ATM or through mobile deposit will process the next business day, not when ready.
  • If you need to speak to someone or handle a transaction that requires a teller, plan to visit on Tuesday or call customer service the next day.

What you can and cannot do on Columbus Day

PNC's online banking platform and mobile app do not close. You can log in, check your balance, transfer funds between accounts you own, set up bill payments, and deposit checks using mobile deposit. These transactions process normally, though some may not post to your account until the next business day depending on the time you submit them.

ATMs work around the clock. You can withdraw cash, deposit checks or cash into an envelope, and check your balance at any PNC ATM or at an ATM in the Allpoint network. Deposits made at an ATM are typically held until the next business day before posting to your account.

You cannot visit a branch in person, use the drive-through window, or speak to a teller. If you need a cashier's check, want to open a new account, need a signature card notarized, or have a problem that requires human help, you will need to wait until Tuesday or call PNC's phone line.

When PNC customer service is available

PNC's phone lines are closed on Columbus Day. If you need to reach customer service, you will have to call the next business day. The main customer service number is 1-888-762-2265 for general inquiries, though the specific number you need depends on what you are calling about — credit cards, mortgages, and investment accounts each have separate lines.

If you have an urgent problem — a fraudulent transaction, a card that was declined when it should not have been, or a security concern — check your account online or in the app first. Many issues can be resolved by looking at your transaction history or temporarily freezing your card through the app. If you truly cannot wait, some banks have emergency numbers for fraud, but PNC's standard customer service line will not answer on the holiday.

Planning ahead for Columbus Day

If you know you will need to deposit a check in person, visit a branch to open an account, or handle something that requires a teller, do it before the holiday. Columbus Day falls on October 9 in 2023, October 14 in 2024, and October 13 in 2025. Mark the date on your calendar if you have a time-sensitive transaction.

Mobile deposit is the fastest way to deposit a check without visiting a branch. Take a photo of the front and back of the check through the PNC mobile app, and the deposit is submitted when ready. It typically posts to your account within one business day, though it may take longer if you deposit it late in the day or on a Friday.

How Columbus Day affects transfers and payments

If you schedule a bill payment or transfer for Columbus Day itself, it will process on the next business day. PNC's system accepts the transaction, but it does not move money until the bank is open. This matters if you are trying to pay a bill by a specific important date — if the important date is Columbus Day and you submit the payment that day, it may arrive late.

Transfers between PNC accounts you own typically post the same day if you submit them before the cutoff time, which is usually 5 p.m. Eastern Time on a business day. On Columbus Day, there is no cutoff because the bank is closed, so any transfer you submit will process the next business day.

If you are sending money to another bank using PNC's external transfer feature, it usually takes one to three business days. Submitting it on Columbus Day adds an extra day to the timeline because the bank does not process it until Tuesday.

Frequently Asked Questions

Can I deposit a check at a PNC ATM on Columbus Day?

Yes. PNC ATMs accept check deposits 24 hours a day, including on Columbus Day. The check will be held and processed the next business day, so it will not post to your account until Tuesday. If you need the money when ready, mobile deposit through the app is not faster — both methods post the next business day.

Will my direct deposit arrive on Columbus Day?

No. Employers and payroll processors do not send direct deposits on federal holidays. If Columbus Day falls on a Monday and you are paid on Mondays, your deposit will arrive on Tuesday instead. Check with your employer if you are unsure of your pay schedule.

What if I need cash and the ATM is broken?

PNC ATMs are monitored, but if one is out of service on Columbus Day, you cannot visit a branch to withdraw cash. Use a different PNC ATM or visit an ATM in the Allpoint network, which includes ATMs at many grocery stores and convenience stores. You can search for nearby ATMs through the PNC app or website.

Do I need to do anything special to use online banking on Columbus Day?

No. Log in as you normally would. Your username and password work the same way. The only difference is that transactions requiring manual processing — like a check you deposit at an ATM — will not be processed until the next business day.