Columbus Day 2026: Are banks open or closed today, Monday, October 12? The United States observes Columbus Day as a federal holiday, affecting bank branches, federal offices and regular US Postal Service (USPS) mail delivery. However, many private businesses, including major retailers, grocery stores and restaurants, generally remain open.
For investors, one of the most important details is that the New York Stock Exchange (NYSE) and Nasdaq are scheduled to remain open for regular trading, even as the US bond market observes the holiday. School schedules, local government services and retail opening hours can vary by state, city and individual institution.
October 12 is also observed as Indigenous Peoples’ Day in many states, cities and communities. The observance recognises Indigenous peoples, their cultures, histories and contributions. Here is what consumers, workers and investors should know about what is open and closed across the US on Columbus Day and Indigenous Peoples’ Day 2026.
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Columbus Day 2026: Is It a Federal Holiday?
Yes. Columbus Day is a federal holiday observed on the second Monday of October. In 2026, it falls on Monday, October 12. Most federal government offices close for the day, although essential services may continue operating.
Federal holiday status does not mean that every business or public institution must close. Private employers, retail stores and restaurants can establish their own schedules, while state and local governments determine how their offices and public services observe the date.
Consumers planning appointments or government-related business should check the relevant agency’s official holiday calendar before visiting.
Are Banks Open or Closed Today, October 12?
Most major US bank branches are closed on Columbus Day 2026. Customers planning to visit Bank of America, Wells Fargo, Chase or Citibank should confirm their individual branch’s holiday schedule, as arrangements can differ.
Online banking, mobile banking apps and ATMs generally remain available. Customers can usually check balances, review transactions and access many digital services. However, certain bank transfers, check processing and payments that depend on banking-day settlement may be delayed until the next processing window.
The Federal Reserve’s holiday schedule is also relevant to payment processing. Customers with urgent transactions should check with their bank to determine when a payment will be processed and when funds are expected to become available.
Is the US Stock Market Open Today on Columbus Day?
Yes. The US stock market is scheduled to remain open on Monday, October 12, 2026. Both the New York Stock Exchange and Nasdaq follow their regular trading schedules on Columbus Day.
The standard US stock market session runs from 9:30 a.m. to 4 p.m. Eastern Time. Eligible listed stocks and exchange-traded funds can trade during regular market hours, subject to normal exchange and brokerage rules.
The US bond market, however, observes the holiday and is closed. This distinction matters to investors monitoring Treasury yields, fixed-income securities and broader financial-market conditions.
Investors should consult the official NYSE trading calendar and Nasdaq holiday schedule for the latest exchange-specific information.
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