哥伦布日便民指南：联邦机构与邮局关门、银行多停业，股市照常开盘、债市休市一天
本周一（10月12日）是哥伦布日，美国11个联邦假日之一，也是不少州、市同日纪念的原住民日。联邦政府机关与联邦法院当天关门，联邦雇员放假一天，需要到政府部门办事的民众要等到周二。
邮政方面，美国邮政（USPS）当天暂停普通邮件投递，各地邮局柜台关门，网上服务照常可用；UPS与联邦快递（FedEx）维持运营，个别地区服务可能略有调整。
银行方面，由于联邦储备系统当天休假，美国银行、富国银行等大多数银行的网点关门，但网上银行、手机银行和ATM正常使用，少数银行个别网点例外，出门前最好先查本地网点时间。
金融市场是“股开债休”：纽约证券交易所与纳斯达克周一照常交易（美东时间上午9:30至下午4:00），但美国债券市场按证券业与金融市场协会（SIFMA）建议休市一天，联邦资金转账与支票结算顺延至周二。
零售与民生方面，沃尔玛、塔吉特、好市多等大卖场、超市、药房和餐厅大多正常营业；公立学校是否放假各学区不一，家长需以本地学区通知为准。
哥伦布日纪念1492年哥伦布抵达美洲，1937年成为联邦假日，后按《统一周一假日法》固定在每年10月的第二个星期一。近年来，越来越多州、市在同一天纪念原住民日，以表彰原住民的历史与文化贡献。目前全美只有约22个州把这一天列为州级带薪假日，各地安排差异较大，民众安排行程与办事前建议先确认。
资料来源：据《巴伦周刊》、NorthJersey.com报道。
Columbus Day 2026 Guide: Federal Offices and Post Offices Closed, Most Banks Shut; Stocks Open, Bonds Closed (First Report)
Monday, October 12 is Columbus Day, one of the 11 U.S. federal holidays and also observed as Indigenous Peoples' Day in a growing number of states and cities. Federal offices and federal courts are closed for the day, and federal employees get the day off. Anyone needing to visit a government office will have to wait until Tuesday.
On the postal front, the U.S. Postal Service will not deliver regular mail and post office counters are closed, while online services remain available; UPS and FedEx continue operating, with possible minor adjustments in some areas.
Banks: because the Federal Reserve observes the holiday, most bank branches — including Bank of America and Wells Fargo — are closed, though online banking, mobile banking and ATMs remain available. A few branches may be exceptions, so check local hours before heading out.
Wall Street is split: the New York Stock Exchange and Nasdaq trade on normal hours (9:30 a.m.–4:00 p.m. ET), but the U.S. bond market is closed for the day on SIFMA's recommendation, and Fed wire transfers and check settlements resume Tuesday.
Major retailers, grocery stores, pharmacies and restaurants — including Walmart, Target and Costco — are mostly open. Public school schedules vary by district; parents should follow local district notices.
Columbus Day commemorates Christopher Columbus's arrival in the Americas in 1492. It became a federal holiday in 1937 and was fixed to the second Monday of October under the Uniform Monday Holiday Act. In recent years, more states and cities have observed Indigenous Peoples' Day on the same date to honor Native American history and culture. Only about 22 states currently list the day as a paid state holiday, so arrangements vary widely — confirm before making plans.
Sources: Barron's, NorthJersey.com.
图片来源：纽约证券交易所大楼，Kidfly182 摄，CC BY 4.0（Wikimedia Commons）
