Truist Bank is closed on Columbus Day

Truist Bank observes Columbus Day as a federal holiday and closes all branches on that day. This means you cannot visit a branch location, use the drive-through, or speak with a banker in person. However, you can still use ATMs, mobile banking, and online banking services — those run 24/7 regardless of the holiday.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. If you need to handle banking business that requires a teller or loan officer, you will need to plan ahead or wait until the next business day.

The closure affects all Truist locations nationwide. Some states and cities do not officially observe Columbus Day, but Truist, as a national bank, closes all branches regardless of local observance.

Key Takeaways

  • Truist branches close entirely on Columbus Day, but ATMs and online banking remain available around the clock.
  • Columbus Day is the second Monday in October, so mark your calendar to avoid a wasted trip to a closed branch.
  • If you need to deposit a check, transfer money between accounts, or speak with a banker, do it the business day before or after the holiday.
  • Mobile deposits, bill pay, and account transfers through the Truist app work on Columbus Day just as they do any other day.

What banking services still work on Columbus Day

Even though branches are closed, Truist's digital banking does not stop. You can log into your account through the Truist website or mobile app, check your balance, transfer money between your own accounts, pay bills, and set up recurring payments. These functions operate the same way on Columbus Day as they do on any other day.

ATM withdrawals and deposits also work normally. If your Truist ATM accepts mobile check deposit, you can use that feature on the holiday. You can also use any ATM in the Truist network or partner networks to withdraw cash without visiting a branch.

If you need to send money to someone outside Truist, wire transfers can be set up through online banking on Columbus Day, though the actual transfer may not process until the next business day because the receiving bank may also be closed.

What you cannot do on Columbus Day at Truist

You cannot visit a branch to deposit cash, get a cashier's check, open a new account, explore for a loan, or speak with a banker about your account. The drive-through window is also closed. If you need any of these services, you must visit on a business day.

If you have a time-sensitive issue — for example, a fraudulent charge you need to report or a payment you need to stop — you can call Truist's customer service line. The phone number is on the back of your debit card or on your account statements. Customer service representatives work on most holidays, though wait times may be longer than usual.

Planning ahead for Columbus Day banking

If you know you will need to deposit cash or handle something that requires a teller, do it on Friday before the holiday weekend. The same applies if you need to explore for a loan, open a new account, or order a cashier's check — these all require a branch visit and cannot be done online.

If Columbus Day falls on a Monday and you have a check to deposit, use mobile deposit through the Truist app on Sunday evening or Monday morning before the branch closes. The check will be processed when the bank reopens on Tuesday.

For recurring bills or payments, set them up in advance through online banking so they process automatically. This way, a holiday closure will not cause a late payment.

Other Truist holidays when branches close

Truist closes branches on all federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank also closes on the day after Thanksgiving.

ATMs and online banking remain open on all of these days. If you are unsure whether a specific day is a Truist holiday, check the Truist website or call your local branch ahead of time.

What to do if you have an urgent banking need on Columbus Day

Call Truist customer service at the number on your debit card or account statement. Representatives can help with fraud reports, payment stops, account questions, and some transfers. They cannot process cash deposits or open new accounts, but they can often resolve urgent issues without requiring a branch visit.

If your issue is not urgent, wait until Tuesday when branches reopen. Most banking tasks can wait one day, and you will avoid long hold times that often occur on holidays.

Frequently Asked Questions

Can I use my Truist debit card on Columbus Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Columbus Day. Only the physical branches are closed. You can make purchases, withdraw cash from ATMs, and check your balance through the app without any interruption.

Will my automatic bill payments process on Columbus Day?

Payments you set up through Truist bill pay will process on their scheduled date, even if that date is Columbus Day. However, the receiving company may not process the payment until the next business day if they are also closed for the holiday. Set up payments a day or two early to be safe.

Can I deposit a check on Columbus Day?

You can deposit a check using mobile deposit through the Truist app on Columbus Day. The check will be processed when the bank reopens on Tuesday. You cannot deposit cash or use a physical deposit envelope at a closed branch.

What time do Truist branches reopen after Columbus Day?

Branches reopen at their normal business hours on Tuesday. Most Truist branches open at 9 a.m., but hours vary by location. Check your local branch's hours on the Truist website or call ahead to confirm.

Does Truist close on Columbus Day in states that do not observe it?

Yes. Truist is a national bank and closes all branches on Columbus Day regardless of whether your state or city officially observes the holiday. This applies everywhere Truist operates.