Yes, most banks close on Veterans Day
Veterans Day (November 11) is a federal holiday, which means most banks in the United States are closed. This includes all major national banks, regional banks, and credit unions that observe federal holidays. If you need to deposit a check, withdraw cash, or visit a branch in person, you will not be able to do so on November 11.
When Veterans Day falls on a weekend, the federal holiday is observed on the nearest weekday — usually the Friday before if November 11 is a Saturday, or the Monday after if it is a Sunday. Banks follow the same schedule, so they will be closed on the observed date, not necessarily on November 11 itself.
However, you can still access your money through ATMs, online banking, and mobile apps on Veterans Day. Transfers, bill payments, and account management all work normally through digital channels. The closure only affects in-person branch services.
Key Takeaways
- Bank branches close on Veterans Day (November 11) and on the observed date if the holiday falls on a weekend.
- ATMs, online banking, and mobile apps remain open and functional on Veterans Day.
- Deposits made at ATMs on Veterans Day will typically post to your account the next business day.
- If you need cash or in-person services, plan ahead and visit your bank on the business day before Veterans Day.
Which banks are closed and which stay open
Nearly all federally chartered banks and state-chartered banks that are members of the Federal Reserve close on Veterans Day. This includes Chase, Bank of America, Wells Fargo, Citibank, and most regional and community banks. Credit unions also close on this federal holiday.
A small number of banks may remain open if they are not federally regulated or if they operate under different holiday schedules, but this is rare. If you have an account at a smaller or independent bank, call ahead to confirm their Veterans Day hours rather than assuming they are closed.
Online-only banks (such as Ally, Charles Schwab, or Marcus) do not have physical branches, so there is no branch closure. However, customer service phone lines may have reduced hours or be closed entirely on Veterans Day.
What you can and cannot do on Veterans Day
You cannot: Visit a bank branch, speak to a teller, access a safe deposit box, or get a cashier's check in person. If you need a notary service, most banks will not provide it on Veterans Day.
You can: Use any ATM to withdraw cash or deposit checks. Transfer money between your own accounts online. Pay bills through your bank's website or app. Check your balance and view transactions. Set up automatic payments or recurring transfers. Deposit checks using mobile deposit (photograph the check through your bank's app).
Deposits made at ATMs or through mobile deposit on Veterans Day will post to your account on the next business day (November 12). The transaction is recorded on Veterans Day, but the funds do not clear until the following day.
Planning ahead for Veterans Day banking needs
If you need cash, visit your bank on November 10 (or earlier in the week if November 10 is a Sunday). Withdraw enough to cover the holiday and the weekend if Veterans Day falls on a Friday. ATMs have daily withdrawal limits that vary by bank, usually between $300 and $1,000, so plan accordingly.
If you need to deposit a large check, use mobile deposit through your bank's app on Veterans Day itself. This records the deposit immediately and the funds will post the next business day. Mobile deposit is often faster than waiting in line at a branch and avoids the need to visit on a day when branches are closed.
If you have a time-sensitive banking need (such as a wire transfer or a loan application), handle it before November 10. Wire transfers and loan processing typically require a bank employee and cannot be done through ATMs or online banking.
When Veterans Day falls on a weekend
If November 11 falls on a Saturday, the federal holiday is observed on Friday, November 10. Banks will be closed on Friday, not on Saturday or Sunday. If November 11 falls on a Sunday, the federal holiday is observed on Monday, November 12. Banks will be closed on Monday.
Check your bank's website or call ahead to confirm the observed date, especially if you are unsure whether your bank follows the standard federal holiday schedule. Some banks post holiday hours online in early November.
What happens to automatic payments and transfers on Veterans Day
Automatic bill payments scheduled for Veterans Day will process normally through your bank's system. The payment is deducted from your account on the scheduled date, even though the bank is closed. The receiving organization (utility company, credit card company, landlord) will receive the payment on the next business day.
Transfers between your own accounts at the same bank also process on schedule. If you set up a transfer for Veterans Day, it will go through, but if it involves moving money to a different bank, the receiving bank will not credit the funds until the next business day.
Frequently Asked Questions
Can I use my debit card on Veterans Day if the bank is closed?
Yes. Your debit card works at any merchant or ATM on Veterans Day, regardless of whether your bank's branch is closed. The bank's computer systems are running; only the physical branch location is closed.
Will my check deposit post on Veterans Day if I use the ATM?
The deposit will be recorded on Veterans Day, but the funds will not post to your account until the next business day (November 12). Mobile deposit through your app works the same way.
What if I need cash and the ATM is out of money?
ATMs can run out of cash, especially on or near holidays. If this happens, you will need to wait until the bank reopens to withdraw cash from a teller. Visit the ATM earlier in the day on November 10 to avoid this problem.
Do credit card payments process on Veterans Day?
Yes. If your credit card payment is scheduled for Veterans Day, it will be processed on that date. The credit card company's systems operate continuously, even though bank branches are closed.
Can I get a cashier's check on Veterans Day?
No. Cashier's checks must be issued by a bank employee and require a visit to a branch. Plan ahead and get one on November 10 or earlier if you need it for a transaction around Veterans Day.