You've probably been there. It’s a random Monday in October, you have a check to deposit or a quick question for a teller, and you pull up to the bank only to find the lights off and the doors locked. It’s frustrating.
Columbus Day—which many now recognize as Indigenous Peoples' Day—is one of those "middle ground" holidays. It’s a federal holiday, which usually means the world of finance grinds to a halt. But TD Bank has built a huge part of its brand on being "America’s Most Convenient Bank." They love to stay open when everyone else is at home on the couch.
So, is TD Bank closed on Columbus Day? Honestly, the answer is a bit of a relief for those of us who forget to check the calendar.
The Short Answer: TD Bank is Generally Open
Unlike most of the "Big Four" banks and local credit unions, TD Bank typically remains open on Columbus Day.
While the Federal Reserve is technically closed—meaning no wire transfers or check clearing will happen on the backend—the physical TD Bank "stores" (as they call them) stay open for business. You can walk in, talk to a human, and handle most of your regular errands.
It’s a weird quirk of their schedule. They follow the federal holiday calendar for things like Christmas or Thanksgiving, but they tend to treat Columbus Day and Presidents' Day as normal business days.
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Why does TD Bank stay open when others close?
It’s basically a marketing move that actually helps people. By staying open on days like Columbus Day, TD Bank grabs the customers who are annoyed that Bank of America or Wells Fargo shut their doors.
However, don't expect the bank to be operating at 100% capacity in the background. Because the Federal Reserve is closed, any "official" business you do—like moving a large sum of money to another bank—might be delayed until Tuesday.
What You Can and Can’t Do on Columbus Day
Just because the doors are unlocked doesn't mean it's business as usual. You've got to manage your expectations.
- Depositing Cash: You’re good to go. If you hand cash to a teller, it hits your account like any other day.
- Depositing Checks: This is where it gets tricky. You can hand over the check, but it likely won't "clear" or begin processing until the next day because the central banking system is taking a nap.
- Customer Service: This is the big win. If you need a new debit card or want to open an account, the staff is there to help.
- Wire Transfers: Nope. These rely on the Federal Reserve’s "FedWire" system. Since the Fed is closed for the federal holiday, your wire will sit in a queue until Tuesday morning.
Comparing TD Bank to the Competition
If you have accounts at multiple places, you might be juggling different schedules. Most banks are strictly "by the book" when it comes to federal holidays.
| Bank Name | Status on Columbus Day |
|---|---|
| TD Bank | Open (Normal or slightly modified hours) |
| Chase | Open (Usually, but varies by branch) |
| Bank of America | Closed |
| Wells Fargo | Closed |
| Citibank | Closed |
| Capital One | Closed (Café locations may vary) |
It's sort of a coin flip for Chase, but TD is historically the most reliable for staying open. If you’re in a city like New York or Philly, you’ll almost certainly find your local TD branch humming along.
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Digital Banking: The 24/7 Workaround
If for some reason your specific local branch has a "water leak" or a weird staffing issue and closes, you aren't totally stuck.
The TD Bank mobile app and online portal never close. You can transfer money between your own accounts, pay bills, or freeze a lost card at 3:00 AM on Columbus Day if you want to.
ATMs are also your best friend here. TD’s ATMs are usually quite advanced, allowing you to deposit up to 30 checks or bills at once without an envelope. If you just need to get a check out of your wallet and into the system, the ATM is just as good as a teller—and you don't have to make small talk.
A Note on the Date (2025 and 2026)
Columbus Day / Indigenous Peoples' Day always falls on the second Monday of October.
In 2025, the holiday lands on Monday, October 13.
In 2026, it will be on Monday, October 12.
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Mark those dates. Even if TD Bank is open, the Post Office will be closed, and there will be no mail delivery. If you’re waiting for a replacement credit card to arrive in the mail, that extra day of waiting can feel like an eternity.
Practical Steps for Your Monday
If you absolutely must visit a branch on Columbus Day, do yourself a favor and do these three things:
- Check the Store Locator: Use the TD Bank website or app. It will show "Holiday Hours" specifically for your zip code.
- Call Ahead: It sounds old-school, but a 30-second phone call can save you a 20-minute drive.
- Front-load Transactions: If you need a wire transfer sent by Tuesday, try to get it initiated the Friday before.
Honestly, the biggest "gotcha" on Columbus Day isn't whether the bank is open, but the processing delay. If your mortgage is due on Tuesday and you deposit a check on Monday, don't count on that money being "available" to cover the payment. Give yourself a buffer.
Next Steps for You
Before you grab your keys and head to the branch, open the TD Bank mobile app and check the "Locations" tab. If the branch status says "Open," you're good to go. If you need to perform a wire transfer or a complex international transaction, plan to wait until Tuesday morning when the Federal Reserve systems come back online.