The federal holiday Columbus Day will fall on Monday, October 13, 2025. The day honours Christopher Columbus’s landing in the Americas and has been observed every second Monday in October since it was declared an official holiday in 1968.
Yet in numerous states and cities, the holiday is instead celebrated as Indigenous Peoples’ Day to commemorate Native American history and culture. You may choose to celebrate Columbus Day or Indigenous Peoples’ Day, but the holiday will close most federal government offices and agencies to the public for the day.
That means federal and state courts, post offices, public schools, libraries, and—most crucial to many Americans—banks.
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Which banks are closed on Columbus Day 2025?
If you need to do a little banking on or about Oct. 13, you may need to think ahead, as most major U.S. banks will shut their brick-and-mortar branches for the holiday.
This is what we know so far:
- Bank of America – All 3,900 of its locations will be closed.
- Wells Fargo – All 7,700 branches will be closed.
- Capital One – Branches closed but still up and operating through mobile.
- Citibank – Most of their brick-and-mortar locations closed, though ATMs and mobile app access are still available.
- JPMorgan Chase – Their branches closed, though some in-store outlets in big-box stores possibly remain open.
The lone large bank that will be open on Columbus Day is TD Bank, since it is governed under Canadian banking regulations instead of the United States federal holiday calendar.
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Other offices closing
In addition to banks, all other government and public offices will close for the day. United States Postal Service offices will be closed, and no mail will be distributed. Federal workers will receive a paid holiday, and Federal Reserve branches will not make payments or transfers.
In the meantime, supermarkets, retail stores, and certain private businesses will remain open. To be clear, though, hours are subject to location, so it’s always best to call ahead and confirm your local store’s hours before venturing out.
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Internet banking and ATMs will remain available
While bank offices are closed, you can still get into your accounts through online or mobile banking. Most of the transactions, such as bill payment, checking account balance, and transferring, are still electronically available.
Keep in mind that some of the transactions might not be processed on the same day, especially if you send the money transfer at the end of the day before the holiday.
ATMs will remain open, so you’ll still be able to withdraw cash, check your balance, or deposit checks. Many retail stores, like CVS and Whole Foods, also offer limited cash withdrawal services at checkout.
Tips for managing your money over the holiday
Bank closures can be frustrating if you’re not prepared, but a few simple steps can help things go smoothly:
- Plan: Try to complete important transactions a few days before the holiday.
- Know your cut-off times: Transfers made after 4 p.m. on Friday may not process until Tuesday, October 14.
- Use your app: Download your bank’s mobile app and make sure your login details are up to date.
- Withdraw cash early: If you’ll need cash for the weekend or Monday, visit an ATM ahead of time.
- Check local hours: Bank branches within shopping malls may still open with shorter hours.
Online banking and online banking services remain available “no matter what America is celebrating that given day,” says AARP. So, you’re still able to pay bills, transfer money around, and deposit cheques through your bank’s app.
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The following federal holidays are after Columbus Day
After Columbus Day, the only other federal holidays left are Veterans Day on Nov. 11, Thanksgiving Day on Nov. 27, and Christmas Day on Dec. 25.
So as much as you won’t be able to visit your neighbourhood branch on Oct. 13, your bank’s website, mobile banking app, and ATMs will remain open to you. Just make sure to plan — and happy long weekend.
