Are Banks Open on Columbus Day 2026?
No — banks are closed on Columbus Day.
Columbus Day 2026: Monday, October 12, 2026
Columbus Day (also observed as Indigenous Peoples' Day) is a Federal Reserve holiday on the second Monday of October. Banks are closed, though most stores and businesses stay open.
Direct deposit & payroll on Columbus Day
The Federal Reserve and the ACH network are closed, so transfers do not process on Columbus Day. A direct deposit scheduled for this day usually arrives the previous business day. Submitting payroll? Send it one business day early. See the paycheck early calendar.
Is Each Bank Open on Columbus Day?
All major U.S. banks follow the Federal Reserve calendar, so their branch status on Columbus Day is the same:
ATMs and online banking are available 24/7 at every bank, including holidays.
Columbus Day Banking FAQ
Are banks open on Columbus Day 2026?
No. Columbus Day is observed on Monday, October 12, 2026, a Federal Reserve holiday, so bank branches are closed. ATMs, online banking, and mobile apps stay available 24/7.
Is the post office and stock market open on Columbus Day?
The U.S. Postal Service and the Federal Reserve are closed on Columbus Day, and the stock market (NYSE and Nasdaq) is closed. Most retail stores remain open.
Will my direct deposit arrive on Columbus Day?
Direct deposits do not post on Columbus Day because banks cannot process ACH transfers. A deposit scheduled for the holiday typically lands on the previous business day.
Are ATMs available on Columbus Day?
Yes. ATMs, debit cards, online banking, and mobile check deposit all work normally on Columbus Day, even though branches are closed.