Most financial institutions in the United States will be closed on Monday, October 13, 2025, in observance of the Columbus Day federal holiday. Customers needing to conduct in-person banking should plan ahead, as only a select few major banks are expected to keep their branches open.
The holiday, which is also recognized as Indigenous Peoples' Day in many communities, affects the operating hours of banks because they follow the holiday schedule of the U.S. Federal Reserve System. This guide provides a comprehensive overview of which banks will be open and closed, and how to manage your financial transactions during the holiday weekend.
Key Takeaways
- Columbus Day is Monday, October 13, 2025, a federal holiday that will result in the closure of most U.S. banks.
- TD Bank and Chase are the two major national banks expected to remain open, though some services may be limited.
- Transactions conducted at open banks on the holiday, such as deposits at Chase, will likely not be processed until the next business day, Tuesday, October 14.
- Digital banking services, including mobile apps, online banking, and ATMs, will remain fully operational for all banks.
- The U.S. stock market, including the NYSE and NASDAQ, is scheduled to be open and operate on a normal schedule.
Bank Operations for Columbus Day 2025
As a designated federal holiday, Columbus Day leads to widespread closures across the banking sector. The Federal Reserve Banks are closed, which means services they provide to commercial banks, such as check clearing and wire transfers, are suspended. Consequently, the vast majority of commercial banks also close their doors to the public.
However, not all institutions cease operations. A couple of major banks have historically remained open on this day to provide services to their customers, though with certain limitations on transaction processing. It is always recommended to check with your local branch for specific hours, as they can vary by location.
The Exceptions: Banks Expected to Be Open
For customers who require in-person services, two large banking chains have confirmed their intention to operate on Columbus Day 2025. This decision sets them apart from the industry standard.
- TD Bank: Known for its longer hours and convenience, TD Bank traditionally stays open on Columbus Day. Customers should be able to perform most standard transactions at their local branches.
- Chase: While Chase branches are also expected to be open, the bank has noted important details about transaction processing. Any deposits or other transactions made on Monday, October 13, will not officially post to accounts until the following business day, Tuesday, October 14.
Understanding Delayed Transactions
For Chase customers, the delay in processing means that funds deposited on the holiday will not be available until Tuesday. Furthermore, Chase has stated that recurring transactions scheduled for the holiday may be processed on the business day prior, which would be Friday, October 10. Customers should review their scheduled payments to avoid any issues.
Major Banks That Will Be Closed
The majority of national and regional banks will adhere to the federal holiday schedule and will be closed on Monday, October 13, 2025. Customers of these institutions will need to complete any in-person banking by the end of business on Friday, October 10, or wait until branches reopen on Tuesday, October 14.
The list of confirmed closures includes most of the largest financial institutions in the country. This widespread closure underscores the importance of planning for your banking needs in advance of the three-day weekend.
Banks confirmed to be closed include:
- Bank of America
- Capital One Bank
- Citibank
- Citizens Bank
- Kearny Bank
- M&T Bank
- PNC Bank
- Santander Bank
- Spencer Savings Bank
- Truist Bank
- Wells Fargo
Federal Holidays and Banking
There are 11 federal holidays recognized by the Federal Reserve. When a federal holiday falls on a Monday, it creates a long weekend during which most banking services are paused. The Federal Reserve's closure is the primary reason your local bank branch is likely to be closed as well.
How to Manage Your Finances During the Holiday
Even with most bank branches closed, modern technology ensures you are not cut off from your finances. Digital banking tools have become essential for managing money, especially during holidays and weekends.
Here are some ways to access banking services:
- ATMs: Automated Teller Machines (ATMs) will be fully operational. You can use them to withdraw cash, deposit checks, and check your account balances.
- Online Banking: Use your bank's website to check balances, transfer funds between accounts, pay bills, and review transaction history.
- Mobile Banking Apps: Your bank's mobile app offers nearly all the same functions as online banking, with the added convenience of mobile check deposit. You can deposit a check simply by taking a picture of it.
- Customer Service: While branch staff will be unavailable, many banks offer automated telephone banking services and may have customer service representatives available for urgent issues.
Are Stock Markets and Post Offices Open?
While banks observe the federal holiday, other financial and government services operate on different schedules. It's important to know which services will be available on October 13.
Stock Market Hours
Unlike the banking system, the U.S. stock market does not observe Columbus Day as a holiday. Both the New York Stock Exchange (NYSE) and the NASDAQ will be open and will operate under their normal trading hours on Monday, October 13, 2025. This means investors can continue to buy and sell securities without interruption.
Postal Service
As a federal agency, the United States Postal Service (USPS) will be closed on Columbus Day. There will be no regular mail delivery, and post office locations will not be open. Other shipping companies, such as FedEx and UPS, may operate on a modified schedule, so it is best to check with them directly for service availability.
"Planning ahead for federal holidays is crucial for managing both personal and business finances. While digital tools provide constant access, certain transactions still require branch services and are subject to the Federal Reserve's operating schedule."
Ultimately, the Columbus Day holiday serves as a reminder of the importance of being aware of the banking calendar. By knowing which institutions are open and utilizing available digital tools, you can ensure your financial activities proceed smoothly without interruption during the long weekend.
