PNC Bank is closed on Columbus Day
PNC 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 to a teller in person. The specific date changes each year—Columbus Day falls on the second Monday in October.
However, you can still access your account through PNC's digital channels: online banking, the mobile app, ATMs, and phone banking all remain available 24/7, even when branches are closed. Transactions you initiate online or through the app will process normally, though transfers between banks and bill payments may not settle until the next business day.
Key Takeaways
- PNC Bank branches close on Columbus Day, which occurs on the second Monday of October each year.
- ATMs, online banking, mobile apps, and phone banking work normally on Columbus Day—only in-person branch services stop.
- Deposits made through mobile check deposit or ATM on Columbus Day will not post to your account until Tuesday.
- If you need to speak to someone, PNC phone banking is available, though wait times may be longer than usual.
What you can and cannot do on Columbus Day
You cannot walk into a PNC branch, use the drive-through window, or meet with a banker in person on Columbus Day. If you need a cashier's check, notary service, safe deposit box access, or help opening a new account, you will need to wait until Tuesday or handle it online if that option is available for your need.
You can deposit checks using the PNC mobile app (mobile check deposit), withdraw cash from any PNC ATM, transfer money between your own accounts, pay bills online, and check your balance anytime. You can also call PNC customer service at the number on the back of your card, though hold times tend to be longer on holidays because fewer staff are working.
When deposits and payments actually post
A mobile check deposit or ATM deposit made on Columbus Day will not appear in your available balance until the next business day—Tuesday. The same is true for bill payments and transfers you schedule on Columbus Day: they initiate on that day but do not settle until the following business day.
If you are waiting for a payment to arrive in your PNC account—a paycheck, a transfer from another bank, a government payment—and it was supposed to land on Columbus Day, it will arrive on Tuesday instead. This matters if you are counting on that money to cover a bill or payment due on Monday; you will not have access to it in time.
Planning ahead for Columbus Day
If you know you will need cash, a cashier's check, or in-person banking services around Columbus Day, visit your branch the Friday before. Withdraw extra cash, get any checks you need, and handle any account changes then. This prevents you from being stuck without access to services you need.
If you are expecting a payment to arrive on or near Columbus Day, log into your account a day or two early to confirm it has posted. If it has not, contact the sender to verify they sent it on time; the delay may be on their end, not PNC's. For payroll, ask your employer whether they account for the holiday or if your direct deposit will be delayed.
Using PNC services on Columbus Day itself
PNC phone banking is open on Columbus Day. Call the number on the back of your debit or credit card to check your balance, report a lost card, dispute a transaction, or ask questions about your account. You will likely wait longer than usual because the call center is understaffed, but the service is available.
Online banking and the PNC mobile app work exactly as they do on any other day. You can log in, view transactions, transfer money between your accounts, pay bills, and deposit checks by photo. These services do not close for holidays.
ATM access on Columbus Day
Every PNC ATM is available 24/7, including on Columbus Day. You can withdraw cash, deposit checks or cash, transfer money, and check your balance at any PNC ATM at any time. There are no holiday restrictions on ATM use.
If you use an ATM outside the PNC network, you may be charged a fee by both PNC and the other bank. On Columbus Day, when branches are closed, out-of-network ATMs become more tempting—but the fees add up. If you know you will need cash on the holiday, withdraw it from a PNC ATM beforehand.
Frequently Asked Questions
What is the exact date of Columbus Day this year?
Columbus Day is the second Monday in October. In 2024, it falls on October 14. In 2025, it falls on October 13. Check a calendar for the specific year you are planning for, or call your local PNC branch to confirm their closure date.
Can I still pay my PNC credit card bill on Columbus Day?
Yes. You can pay online, through the mobile app, or by phone anytime on Columbus Day. The payment will process and post by the next business day. If your payment is due on Columbus Day itself, make the payment by the end of business on Friday to avoid a late fee.
Will my paycheck deposit be delayed if it arrives on Columbus Day?
Yes, typically. Direct deposits scheduled for Columbus Day usually land on Tuesday instead. Contact your employer's payroll department to confirm whether they adjust for the holiday or if your deposit will be delayed one day.
Can I get a cashier's check on Columbus Day?
No. Cashier's checks are only available at open branches. You will need to visit on Friday before the holiday or on Tuesday after. Some banks offer alternatives like bill pay or wire transfers for urgent payments; call PNC phone banking to explore options.
Is PNC customer service open on Columbus Day?
Yes, but with longer wait times. Call the number on your card to reach a representative. They can help with account questions, fraud disputes, and lost cards, but cannot process in-person services like opening accounts or accessing safe deposit boxes.