What’s open today
The federal holiday brings a patchwork of closures and modified hours across the United States. Most major retailers open as usual, and many restaurants follow standard Monday schedules. Some banks choose to open select branches or offer limited lobby services, but ATMs and online banking remain available nationwide. Transit systems mostly run on weekday or holiday timetables; agencies advise riders to check announcements for route changes. National parks and many museums operate, though special exhibits may have adjusted hours.

Professional services increasingly stay open. Doctors’ offices and urgent care clinics set independent schedules, while pharmacies inside big-box stores generally maintain normal hours. Delivery services continue with possible delays in certain regions. For travelers, airports function normally, with security screening times driven by local traffic and weather rather than the holiday itself. Hotels, theme parks, and attractions market weekday deals to lure day-trippers off work or school.

What’s closed or operating on reduced schedules
Federal offices close for the holiday, including nonessential services. Post offices do not operate retail counters, and regular mail delivery pauses, though self-service kiosks may be accessible. Many state and local government offices close or shorten hours depending on jurisdiction. Public schools vary widely: some districts close outright, others hold classes and mark Indigenous Peoples’ Day with in-school programming. Financial markets follow their own calendars—U.S. stock trading observes regular hours today, but certain fixed-income markets may operate on modified schedules.

The split observance—Columbus Day and Indigenous Peoples’ Day—continues to evolve as cities and states update proclamations and school calendars. For consumers, the practical guidance is straightforward: confirm hours before leaving home, expect normal retail operations, and plan around postal and some government closures. With fall promotions in full swing, the day often doubles as a low-key shopping date, while cultural institutions program talks and exhibits that focus on Native American histories and contemporary issues.