Major US Bank Branches Face Mixed Columbus Day Schedules as Some Payments and Transfers Could Be Delayed

Major US banks will run different schedules on Monday, 12 October 2026, for Columbus Day, with Bank of America, Wells Fargo and several other large institutions closing branches while Chase and TD Bank plan to remain open. Customers will still be able to access digital banking services, but some payments and transfers may not clear until the next business day.

For context, Columbus Day is a US federal holiday and a Federal Reserve holiday. The Federal Reserve observes the holiday on Monday, 12 October, and several of its payment services will follow holiday schedules.

Which Major US Banks Will Open Their Doors?

Chase has confirmed that its branches will be open on Columbus Day. Its published holiday schedule says certain online transactions will be treated as holiday transactions, with QuickDeposit deposits made on the day posting on the next business day.

TD Bank's official 2026 holiday schedule lists Indigenous Peoples' Day, 12 October, as a day when its stores are open. Customers should still confirm local branch hours, because opening times and services can vary by location.

Bank of America says its offices and financial centres will be closed on Monday, 12 October. Wells Fargo's location information also confirms branch closures for the holiday.

Capital One, Citibank, Citizens Bank, M&T Bank, PNC Bank and Truist have also been reported as closing branches for the holiday. IBTimes UK has not independently verified every institution's branch schedule, so customers should check their bank's official holiday information before travelling to a branch.

Why Your Payment Might Not Clear

The distinction that matters is between accessing an account and moving money between banks. A customer may be able to open an app, check a balance or use an ATM, yet still find that a transfer does not settle immediately.

Several Federal Reserve payment services, including FedACH and Fedwire, observe federal banking holidays. Transactions relying on those systems may be delayed until processing resumes, although other payment services may follow different schedules.

PNC's 2026 processing calendar lists Columbus Day as a day with no ACH or wire payment processing. That does not mean every payment at every bank will stall, but it explains why some routine transactions can take longer than expected.

Customers can generally continue to access online and mobile banking, use ATMs and make card transactions, subject to their bank's normal terms and service-specific restrictions. Access to an account does not guarantee that deposits, transfers or other payments will be processed or settled on the holiday.

Some transactions initiated on the holiday may remain pending or take longer to post, depending on the bank and payment method. Customers should check the transaction status and their bank's stated processing times, rather than assume every transfer will settle on Tuesday, 13 October.

What Customers Should Double-Check Before Monday

Anyone expecting a payday deposit, sending a large transfer or relying on an automatic bill payment should check their bank's holiday schedule before Monday. This could cause difficulties for customers with bills due on the holiday, particularly where a payment depends on interbank processing.

Chase says recurring transactions covered by its holiday schedule that would otherwise be processed on Columbus Day will be processed on the preceding business day. QuickDeposit deposits made on the holiday will post on the next business day, Tuesday, 13 October.

For most other banks, it is sensible to assume that anything requiring traditional interbank processing may wait until Tuesday. That is not a sign that money has disappeared, but it can matter if rent, payroll, invoices or a scheduled payment is due.

Columbus Day falls on the second Monday of October and is observed as a federal holiday in the United States. Many states and local governments also recognise Indigenous Peoples' Day, either instead of or alongside Columbus Day.

US Post Office locations will close on Monday, 12 October, with regular mail delivery and retail services resuming on Tuesday. Retailers, restaurants and grocery stores may remain open, but customers should check individual opening hours.

Banks generally return to normal weekday operations on Tuesday, 13 October. Until then, customers should check their banking app and confirm branch opening hours, rather than assume a payment will clear simply because the website lets them press 'send.'