Veterans Day is a federal holiday in 2025, but most banks will be open
Veterans Day falls on November 11, 2025, and is a federal holiday—meaning federal offices, courts, and most government agencies close. However, banks operate on their own holiday schedule. Most major banks treat Veterans Day as a regular business day and remain open during normal hours, though some smaller regional banks or credit unions may close.
The confusion happens because Veterans Day is on the federal list, but banking institutions are not required to follow it. Each bank decides independently whether to observe it. If you need to conduct banking business on November 11, 2025, call your bank ahead of time to confirm their hours rather than assuming they will be closed.
Key Takeaways
- Veterans Day 2025 is November 11 and is a federal holiday, but most banks stay open that day.
- Banks choose their own holiday schedule and are not required to close for Veterans Day.
- Call your specific bank to confirm whether they will be open or closed on November 11, 2025.
- Federal offices, post offices, and courts will be closed on Veterans Day 2025.
- If November 11 falls on a weekend, federal employees get the observed holiday on the nearest weekday.
What actually closes on Veterans Day 2025
Federal offices, including the IRS, Social Security Administration, and Veterans Affairs, close on November 11, 2025. U.S. Post Offices close. Federal courts do not hear cases. Most state and local government offices also close, though some states have different rules.
Stock markets (NYSE and NASDAQ) close on Veterans Day. Most schools close. Many private employers give employees the day off, though this varies by company and industry. Retail stores, restaurants, and most businesses stay open.
The key distinction: if an office is run by the federal government or is a financial market, it closes. If it is a private business or a bank, the closure is optional.
Why banks do not have to close for Veterans Day
Banks are regulated by the Federal Reserve and the Office of the Comptroller of the Currency, not by the federal holiday calendar. The Federal Reserve publishes a list of holidays when it closes, and Veterans Day is on that list—but this affects only the Fed's operations and wire transfer systems, not individual bank branches.
Each bank decides which holidays to observe based on its own business needs and customer base. Large national banks like Chase, Bank of America, and Wells Fargo typically stay open on Veterans Day. Smaller regional banks and credit unions are more likely to close, especially if they are located in areas with strong military populations or if they have chosen to honor the holiday.
How to learn about your bank is open on November 11, 2025
The fastest way is to call your bank's customer service line or visit their website and search for "holiday hours" or "Veterans Day hours." Most banks post their holiday schedule online by October. You can also visit your local branch in person and ask a teller.
If you use an online-only bank (like Ally, Charles Schwab, or Chime), check their website for their holiday schedule. Online banks often operate differently than brick-and-mortar branches and may process transactions normally even when physical banks are closed.
If you need to deposit a check or withdraw cash on November 11, 2025, and your bank is closed, you can use an ATM if your bank has one. ATMs operate 24/7 regardless of holidays. If you need to speak to someone, plan your banking for November 10 or 12.
What happens if November 11 falls on a weekend
In 2025, November 11 is a Tuesday, so this does not apply. However, in other years when Veterans Day falls on a Saturday or Sunday, federal offices observe the holiday on the nearest weekday. If November 11 is a Saturday, the federal holiday is observed on Friday, November 10. If it is a Sunday, the holiday is observed on Monday, November 12.
Banks may or may not follow the same rule. Some banks observe the federal observed date; others stick to November 11 itself. This is another reason to confirm directly with your bank rather than assuming.
Federal offices and services that will be closed November 11, 2025
| Service | Status on November 11, 2025 |
|---|---|
| IRS offices | Closed |
| Social Security offices | Closed |
| Veterans Affairs | Closed |
| U.S. Post Office | Closed |
| Federal courts | Closed |
| DMV (state-run) | Usually closed; check your state |
| Most banks | Open |
| Stock markets (NYSE, NASDAQ) | Closed |
Planning around Veterans Day 2025
If you need to mail something, send it by November 10 if it needs to arrive by a specific date. Mail will not be processed on November 11. If you need to file documents with a federal agency, do it before November 11 or after November 12.
If you have a court date or need to appear at a federal office, confirm that it is not scheduled for November 11, 2025. Courts typically do not schedule hearings on federal holidays, but it is worth verifying.
For banking needs, plan ahead if you know you will need cash or need to deposit checks. Most ATMs work on holidays, so that is usually a safe backup option.
Frequently Asked Questions
Will my bank be open on Veterans Day 2025?
Most major banks will be open on November 11, 2025. Call your bank directly to confirm, as some smaller banks and credit unions may close. Check your bank's website for their holiday schedule, which is usually posted by October.
Can I use my ATM on Veterans Day if the bank is closed?
Yes. ATMs operate 24/7 regardless of whether the bank branch is open or closed. You can withdraw cash or deposit checks at an ATM on Veterans Day even if the physical branch is not staffed.
Will the stock market be open on Veterans Day 2025?
No. The New York Stock Exchange (NYSE) and NASDAQ both close on Veterans Day. If you need to trade stocks, do it on November 10 or after the market reopens on November 12.
What if I need to reach the IRS or Social Security on November 11?
Both agencies are closed on Veterans Day. Call on November 10 or November 12 instead. You can also use their online services—many IRS and Social Security functions are available through their websites 24/7.
Do I get paid if Veterans Day is my scheduled work day?
This depends on your employer. Federal employees get the day off with pay. Private employers are not required to give the day off or pay extra. Check your employee handbook or ask your HR department about your company's Veterans Day policy.