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. The bank's main customer service phone line also closes on Columbus Day.

Columbus Day falls on the second Monday in October each year. In 2024, that's October 14. In 2025, it's October 13. If you need banking services on Columbus Day, you'll need to plan ahead or use options that don't require a branch visit.

Key Takeaways

  • All Truist Bank branches close on Columbus Day, and you cannot visit in person or use the drive-through.
  • Truist's main customer service phone line is closed on Columbus Day, but you can still call the 24/7 automated line for account information.
  • You can deposit checks, transfer money, and pay bills through the Truist mobile app or online banking on Columbus Day.
  • ATMs remain available 24 hours on Columbus Day for cash withdrawals and deposits at most locations.
  • If you need to speak with a banker on Columbus Day, you'll have to wait until the next business day.

What you can still do on Columbus Day

Even though branches are closed, Truist's digital banking services run around the clock. You can log into your account through the Truist mobile app or website to check balances, transfer money between accounts, pay bills, and deposit checks using mobile check deposit. These functions don't depend on branch staff and work the same way they do on any other day.

ATMs are also available 24/7 at most Truist locations on Columbus Day. You can withdraw cash, deposit cash or checks (at machines that accept deposits), and check your balance. ATM transactions process immediately or within one business day depending on the type of transaction.

Your debit card continues to work at any merchant, ATM, or online retailer on Columbus Day just as it does on any other day. The holiday only affects Truist's physical branches and phone customer service — it doesn't restrict your ability to spend money or access funds through other channels.

When you need to call customer service

Truist's main customer service line closes on Columbus Day, but the bank operates a 24/7 automated phone line for account inquiries. You can call this line to check your balance, hear recent transactions, and get other basic account information without speaking to a person. The automated system is available even when branches are closed and on holidays.

If you need to speak with a live representative about a problem that the automated system can't handle, you'll need to call back on the next business day after Columbus Day. For urgent issues that can't wait, check whether your problem can be solved through the mobile app or online banking first.

Planning ahead for Columbus Day banking

If you know you'll need cash or want to deposit a check before Columbus Day, visit a branch or ATM the day before. This is especially important if you're expecting a check to clear by a certain date, since deposits made on Columbus Day won't process until the next business day.

If you need to wire money, set up a new account, or handle something that requires a banker's help, complete it before Columbus Day arrives. Truist cannot process these requests through automated channels, and the delay could affect your plans if you wait until the holiday.

Loan payments that fall on Columbus Day typically receive an automatic extension to the next business day without penalty, but you should verify this with your loan agreement or contact Truist before the holiday to confirm your specific payment deadline.

Other Truist holidays when branches close

Truist closes branches on all federal holidays, including 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. On all these days, branches and main customer service lines are closed, but ATMs and online banking remain available.

Some local branches may also observe state-specific holidays depending on where they're located. If you're unsure whether a particular branch will be open on a specific day, call ahead or check the Truist website for that branch's holiday schedule.

Frequently Asked Questions

Will my check deposit process if I deposit it on Columbus Day?

If you deposit a check through mobile check deposit or an ATM on Columbus Day, it will be processed the next business day. Checks deposited on a Friday or before a holiday typically clear by the following Tuesday or Wednesday, depending on the check amount and your account history.

What if I have an overdraft on Columbus Day?

Overdraft fees still apply on Columbus Day, and transactions can still trigger overdrafts. However, you cannot call a banker to discuss the overdraft or request a reversal until the next business day. You can check your balance and recent transactions through the app or automated phone line to see what happened.

Can I still pay my bills on Columbus Day?

Yes. You can pay bills through the Truist mobile app or online banking on Columbus Day. Bill payments scheduled through these channels process normally, though payments may not reach the recipient until the next business day depending on the payment method and the recipient's processing schedule.

What if I need cash on Columbus Day and the ATM is out of service?

If your nearest Truist ATM is down on Columbus Day, you can use your Truist debit card at any ATM in the Allpoint network or at other banks' ATMs, though you may be charged a fee. You can also withdraw cash at most retail stores that accept debit cards, even though Truist branches themselves are closed.