Are Banks Closed on Columbus Day? What’s Open and What’s Not on Monday, October 13, 2025

Columbus Day—also observed as Indigenous Peoples’ Day in many communities—lands today, Monday, October 13, 2025. Because it’s a federal holiday, the day brings a patchwork of closures and modified hours across money, mail, markets, and government services. If you need in-person banking, expect most branches to be closed, while digital channels remain fully available.

Banks on Columbus Day: Mostly Closed, Digital Still On

Most major banks close their physical branches on Columbus Day. That includes household names with nationwide footprints as well as many regional institutions. The Federal Reserve’s payment systems observe the holiday, which means interbank settlement does not run on its normal schedule. As a practical matter, you can still use ATMs, mobile apps, and online banking to move money, deposit checks, and pay bills—those transactions will simply post according to the holiday processing timetable.

There are exceptions. A small number of community banks or in-store branches (inside supermarkets, for example) may choose to open, often with reduced hours. Credit union policies vary by charter and locality. If you must see a teller, check your specific branch’s holiday page or call ahead.

What it means for you:

• In-person service: Expect branches to be closed today.

• ATMs & apps: Fully available, though some transfers post next business day.

• Wire/ACH timing: New transfers typically settle after the holiday.

• Customer support: Phone/chat lines often remain open with holiday staffing.

USPS, UPS, FedEx: How Your Deliveries Are Affected

The U.S. Postal Service pauses regular retail operations and standard mail delivery on federal holidays, so post offices are closed and there’s no standard mail run today. Priority Mail Express maintains limited holiday operations in many areas.

Private carriers handle the day differently. UPS and most FedEx services continue normal pickup and delivery, though a few specialty services may run on modified schedules. If you’re expecting a time-sensitive package, track in the carrier’s app rather than assuming a holiday delay.

Are the Markets Open? Stocks Trade, Bonds Take the Day Off

Stock investors will see a normal Monday: the New York Stock Exchange and Nasdaq operate on regular hours despite the federal holiday. That said, U.S. bond markets observe Columbus Day and are closed. If you’re moving money into or out of a brokerage via bank transfer, keep in mind the holiday settlement lag on the cash side even though equities are trading.

Quick market snapshot:

• Stocks (NYSE/Nasdaq): Open

• U.S. Treasurys & corporate bonds: Closed

• Commodities & derivatives: Mixed/limited depending on the exchange

Government, Schools, and Retail: A Mixed Map

Nonessential federal offices close for Columbus Day, and many state and local governments follow suit. School closures depend on district calendars; some mark Indigenous Peoples’ Day as a full holiday, others hold classes as usual or schedule teacher in-service days. Big-box retail, supermarkets, pharmacies, and most restaurants remain open, often on regular hours, which explains why you’ll see plenty of activity around shopping centers even as banks are dark.

Planning Tips If You Need Banking Today

To avoid unpleasant surprises—late fees, declined payments, or cash crunches—build around the holiday schedule:

• Schedule bill payments early. If a due date collides with a bank holiday, most providers credit the next business day—but don’t rely on grace policies.

• Use mobile deposit before evening. Your bank’s cut-off time still matters; deposits after the cut-off generally post on Tuesday.

• Consider Zelle or cards for urgent transfers. Person-to-person payments within the same network can be near-instant, but settlement to bank accounts may still reflect holiday timing.

• Traveling? Map ATMs. Withdraw fee-free cash from network machines to avoid surcharges while branches are closed.

• Need a notary or cashier’s check? Those services typically require a branch visit; plan for Tuesday unless your institution lists an open location today.

Why Banks Close Even as Stocks Trade

The mismatch often confuses people: if Wall Street is humming, why are branches closed? The answer lies in different calendars. Columbus Day is a federal holiday, so systems tied to federal operations—like the Federal Reserve’s clearing and settlement—follow the holiday. Stock exchanges, run by private operators, set their own schedules and generally remain open, while the bond market, more tightly integrated with government and institutional flows, observes the day off. Consumers feel this most in the form of branch closures and slower posting for 

 On Monday, October 13, 2025, most banks are closed, USPS is closed, stock markets are open, and bond markets are closed. Digital banking, ATMs, and card payments continue to function, but transfers and deposits may not fully settle until the next business day. If you need in-person services, plan for Tuesday.