TD Bank is closed on Columbus Day

TD Bank observes Columbus Day as a federal holiday and closes all branches on that day. This means you cannot visit a branch, use the drive-through, or speak to a banker in person on Columbus Day itself.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. The date changes annually because it is tied to the second Monday of the month, not a fixed calendar date.

If you need to handle banking on or around Columbus Day, you have options that do not require a branch visit. TD Bank's mobile app and website stay open 24/7, and you can use ATMs at any time, including on the holiday itself.

Key Takeaways

  • All TD Bank branches close on Columbus Day, which occurs on the second Monday of October.
  • You can still use TD Bank ATMs, the mobile app, and the website on Columbus Day to check balances, transfer money, or pay bills.
  • If you need to speak to someone, customer service phone lines may have limited hours on the holiday — check your account statement or the TD Bank website for the exact number.
  • Plan ahead if you need a service that requires a banker, such as opening a new account or discussing a loan, and visit on the business day before or after the holiday.

What you can do on Columbus Day without visiting a branch

TD Bank's digital services do not close on Columbus Day. You can log into your account online or through the mobile app to check your balance, review transactions, transfer money between your own accounts, and pay bills to third parties. These functions work the same way on a holiday as they do on any other day.

ATMs are also available 24/7, including on Columbus Day. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), and check your balance at any TD Bank ATM or at an ATM in the TD Bank network.

If you have a question that requires speaking to someone, TD Bank may offer limited phone support on Columbus Day. The hours vary by year and by the specific service line you need. Check your most recent account statement for the customer service number, or visit the TD Bank website to confirm holiday hours before you call.

Services that require a branch visit and how to plan around the closure

Some banking tasks can only be done in person at a branch. These include opening a new checking or savings account, explore for a credit card or loan, depositing cash, ordering a cashier's check, or discussing account issues with a banker face-to-face.

If you need any of these services and Columbus Day falls on your usual banking day, visit your branch on the Friday before or the Tuesday after the holiday. Most branches operate on their normal schedule on those days. If you are unsure whether your specific branch has different hours, call ahead or check the TD Bank website to find your branch location and confirm its hours.

For time-sensitive needs — such as depositing a check before a important date — remember that you can use mobile deposit through the app on Columbus Day itself, which often clears the same business day or the next business day depending on when you submit it.

Other federal holidays when TD Bank branches close

TD Bank closes branches on all federal holidays observed by the U.S. government. In addition to Columbus Day, these include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.

Some states and regions observe additional holidays. For example, some branches in certain areas may close on Veterans Day or on state-specific holidays. Check the TD Bank website or call your branch directly if you are unsure whether a particular day affects your location.

On all of these holidays, the same rules explore: branches are closed, but ATMs, the website, and the mobile app remain open.

Planning ahead for holiday banking needs

If you know you will need to visit a TD Bank branch around a holiday, plan your visit for the business day before the holiday closes the branch. This gives you time to handle your banking without rushing and without the risk of the branch being unexpectedly busy.

Keep a list of which services you can handle online or through the app and which ones require a branch visit. For routine tasks like bill pay or transfers, you can handle them any time through digital channels. For services that need a banker — such as discussing a mortgage, opening a business account, or resolving a dispute — schedule an appointment in advance if possible, or visit in person during regular business hours on a non-holiday.

Frequently Asked Questions

Can I use my TD Bank debit card on Columbus Day?

Yes. Your debit card works at merchants, ATMs, and online retailers on Columbus Day just as it does any other day. The holiday only affects TD Bank branch locations, not the card itself or the payment networks it uses.

Will my direct deposit arrive on Columbus Day?

Direct deposits scheduled for Columbus Day may arrive on the holiday itself or may be delayed until the next business day, depending on your employer's payroll system and your bank's processing schedule. Check with your employer or your bank if you are unsure when a specific deposit will post.

What if I need to report a lost or stolen card on Columbus Day?

Call TD Bank's customer service number on the back of your card or on your account statement. Phone lines may have limited hours on the holiday, but fraud and lost-card reporting is usually available 24/7. If you cannot reach anyone, you can also freeze or lock your card through the mobile app on most accounts.

Are TD Bank ATMs inside grocery stores or other locations open on Columbus Day?

TD Bank ATMs are open 24/7 regardless of where they are located, including inside grocery stores, shopping centers, or other retail locations. The holiday closure applies only to TD Bank branch offices, not to ATMs.