Are Banks Open Today? Columbus Day 2026 Bank Holiday Hours & Closures Explained

Today—Monday, Oct. 12, 2026—marks Columbus Day, also celebrated as Indigenous Peoples Day in many parts of the United States. If you woke up wondering “Are banks open today?” you’re not alone; the question surges in search traffic every October. Below is everything you need to know about today’s bank hours, alternate ways to access your money, and what to expect tomorrow. WHY MOST BANKS ARE CLOSED Columbus Day is one of 11 federal holidays observed by the U.S. Federal Reserve. Because the Fed’s payment systems and check-clearing operations are halted, the country’s largest commercial banks follow suit. As a result, branches for Bank of America, Wells Fargo, Citi, PNC, U.S. Bank, Capital One, and most regional institutions are closed today. The Federal Reserve itself lists Columbus Day as a non-processing day on its 2026 holiday calendar. EXCEPTIONS: WHERE YOU MAY STILL FIND AN OPEN BRANCH A handful of banks keep limited locations open: • Chase: Select in-store branches found inside supermarkets and big-box retailers are operating on modified hours. • TD Bank: Many East Coast branches remain open with Sunday-style hours, although lobbies may close earlier than usual. If you need in-person service, call ahead or check the bank’s locator tool online before making the trip. DIGITAL AND ATM OPTIONS Even when brick-and-mortar locations shut their doors, you still have 24/7 access to: • Mobile apps for balance checks, transfers, bill pay, and mobile check deposit. • Bank websites for online banking. • Network ATMs for cash withdrawals and check deposits (note that deposits won’t post until the Fed reopens). • Customer service hotlines; many operate on holiday staffing. WHAT ABOUT THE STOCK MARKET AND USPS? The New York Stock Exchange and Nasdaq remain open, so brokerage transfers and market orders function normally today. However, U.S. Post Offices are closed, and no regular mail delivery occurs on federal holidays. WHEN WILL BANKS REOPEN? Normal branch hours resume tomorrow, Tuesday, Oct. 13, 2026. Any deposits made through ATMs or mobile apps today will typically clear by the next business day once the Federal Reserve’s systems are back online. BOTTOM LINE Because Columbus Day/Indigenous Peoples Day is a Federal Reserve holiday, most banks are closed today. Limited Chase and TD Bank branches provide the rare in-person exception, while online and mobile services stay live for everyone. Plan your cash needs accordingly, and expect full banking services to return first thing tomorrow morning.