Most banks and post offices close on Veterans Day
Veterans Day is a federal holiday, which means most banks and post offices shut down on November 11 (or the observed date if November 11 falls on a weekend). This applies to all branches of major national banks and the U.S. Postal Service. If you need to deposit a check, withdraw cash, buy stamps, or mail a package, you will not be able to do those things at a physical location on Veterans Day itself.
The closure affects regular banking hours and mail delivery. No mail will be delivered to your home or business on Veterans Day. Post office windows will be closed, and you cannot access services like passport applications, money orders, or certified mail. ATMs typically remain available, but teller services and customer service lines do not.
Credit unions and smaller regional banks sometimes follow different holiday schedules, so if you use a credit union, check with your branch directly. Online banking and mobile apps continue to work normally on the holiday.
Key Takeaways
- Federal banks and all U.S. Postal Service locations close on November 11, or the observed date if that falls on a weekend.
- No mail delivery occurs on Veterans Day, and packages will not move through the postal system that day.
- ATMs remain available even when bank branches are closed, but you cannot speak to a teller or customer service representative.
- Credit unions and private banks may have different holiday schedules, so contact your institution directly if you are unsure.
- Online banking, bill pay, and mobile apps work normally on Veterans Day, even when physical locations are closed.
When Veterans Day falls on a weekend
If November 11 falls on a Saturday, most federal employees and banks observe the holiday on Friday, November 10. If November 11 falls on a Sunday, the observed holiday is Monday, November 12. The U.S. Postal Service follows the same rule, so mail delivery and post office closures shift to match the observed date.
Some private employers and businesses may observe the holiday on the actual date (November 11) regardless of the day of the week, but federal offices, banks, and the postal system follow the observed-date rule. Check your bank's website or call ahead if you are unsure which date your branch will be closed.
What you can and cannot do on Veterans Day
| Service | Bank Branch | Post Office | Online/ATM |
|---|---|---|---|
| Withdraw cash | No (ATM only) | N/A | Yes (ATM) |
| Deposit checks | No (mobile deposit may work) | N/A | Yes (mobile app) |
| Mail packages | N/A | No | No |
| Buy stamps | N/A | No | Yes (online) |
| Wire money | No | N/A | Yes (online) |
| Money orders | No | No | No |
| Bill pay | Yes (online) | N/A | Yes |
Mobile deposit through your bank's app usually works on Veterans Day, even though the physical branch is closed. You can photograph a check and submit it through the app, and it will process when the bank reopens. The same applies to online bill pay and transfers between your own accounts.
If you need to mail something, you cannot drop it in a post office mailbox on Veterans Day and expect it to move that day. Mail deposited on the holiday will sit until the next business day. However, you can schedule a package pickup through USPS.com or the Informed Delivery app before the holiday, and some carriers (like UPS and FedEx) may operate on Veterans Day even if the post office does not.
Planning ahead for Veterans Day banking and mail
If you know you will need cash, stamps, or need to mail something, handle it the day before Veterans Day. Withdraw what you need from an ATM or visit your bank branch on November 10 (or the day before the observed date). Buy stamps online through USPS.com or at a grocery store or pharmacy, which often sell them even when the post office is closed.
For packages, use USPS.com, UPS.com, or FedEx.com to schedule pickup or drop-off before the holiday. If you drop a package in a post office mailbox on Veterans Day, it will not move until November 12 or later, which can delay delivery by a full day or more depending on your deadline.
If you have automatic bill payments set up, they will process normally on Veterans Day because they go through the banking system, not through the post office. Check your bank's website to confirm the payment date if you are concerned about timing.
Credit unions and private banks
Not all financial institutions follow the federal holiday schedule. Some credit unions and regional banks stay open on Veterans Day or close only part of the day. Call your branch directly or check their website to confirm their Veterans Day hours before you plan your banking.
Online banks (like Ally, Charles Schwab, or Marcus) do not have physical branches, so Veterans Day does not affect their services. You can transfer money, pay bills, and access your account normally. However, if you need to deposit a physical check, you will still need to use mobile deposit or wait until the next business day to visit a branch of a partner bank.
Mail delivery delays around Veterans Day
Because mail does not move on Veterans Day, anything you mail on November 10 will not be processed until November 12. This can add one to two days to delivery time, depending on distance. If you have a time-sensitive document or payment, mail it several days before Veterans Day or use an overnight service like Priority Mail Express, which has different delivery guarantees.
First-Class Mail typically takes three to five business days. If you mail something on November 10, add the Veterans Day closure to your timeline: it will not start moving until November 12, so a three-day delivery becomes a five-day delivery. Plan accordingly if you have a deadline.
Frequently Asked Questions
Can I use my ATM on Veterans Day?
Yes. ATMs remain available 24/7 even when bank branches are closed on Veterans Day. You can withdraw cash, check your balance, and transfer money between your own accounts. However, you cannot deposit cash or checks at an ATM on most machines — mobile deposit through your bank's app is your best option.
Will my direct deposit or automatic bill payment go through on Veterans Day?
Yes. Direct deposits and automatic bill payments process through the banking system, not through post offices or teller services. They will post to your account on their scheduled date, even if that date is Veterans Day. Check your bank's website if you want to confirm the exact posting time.
What if I need to mail something urgently on Veterans Day?
Do not mail it on Veterans Day itself — it will not move until the next business day. Mail it on November 10 instead, or use Priority Mail Express if you need may provide next-day delivery. UPS and FedEx may operate on Veterans Day even if the post office is closed, so check their websites for pickup and drop-off options.
Do private banks and credit unions close on Veterans Day?
Most do, but not all. Some credit unions and regional banks stay open or close only part of the day. Call your branch or check their website to confirm their Veterans Day hours. Online banks without physical branches are not affected by the holiday.
When does mail delivery resume after Veterans Day?
Mail delivery resumes on the next business day after Veterans Day. If Veterans Day is November 11 (a weekday), mail resumes November 12. If the observed holiday is Monday, November 12, mail resumes Tuesday, November 13. Check USPS.com for your local delivery schedule.