Most banks will be closed on Veterans Day, but the timing depends on which day the holiday falls
Veterans Day is November 11 every year. When November 11 lands on a weekday, most banks close for the federal holiday. If November 11 falls on a Saturday or Sunday, banks observe the holiday on the nearest weekday — usually the Friday before (if it's a Saturday) or the Monday after (if it's a Sunday).
Not all banks close on the same day. Some regional and community banks may stay open or have limited hours. Credit unions often follow the same federal holiday schedule as banks, but a few operate on different calendars. Call your bank or check their website to confirm their Veterans Day hours before you need to visit.
Online banking, ATMs, and mobile apps work normally on Veterans Day, even when physical branches are closed. You can transfer money, check balances, and deposit checks remotely without interruption.
Key Takeaways
- Banks close on Veterans Day when November 11 falls on a weekday, or on the observed date if it falls on a weekend.
- ATMs and online banking remain available 24/7 on Veterans Day, so you can still move money and check balances.
- Some smaller banks and credit unions may have different holiday schedules, so contact yours directly to confirm.
- If you need cash or in-person services, plan ahead by visiting your bank before the holiday.
- Checks deposited on Veterans Day will typically post the next business day, not the same day.
What stays open and what closes on Veterans Day
Federal Reserve banks close on Veterans Day, which means wire transfers and other Fed-processed transactions may experience delays. Most commercial banks follow the same closure, but some smaller institutions or online-only banks may operate differently.
ATMs remain active regardless of branch closures. You can withdraw cash, deposit checks (if your ATM has that feature), and transfer funds between accounts using the ATM network. Online banking portals and mobile apps also run continuously — you won't lose access to your account or be unable to check your balance.
Stock markets (NYSE and NASDAQ) close on Veterans Day, so if you trade stocks or manage investments, orders placed on the holiday won't execute until the next trading day. Bond markets and cryptocurrency exchanges typically remain open.
When deposits and payments will post
Checks or mobile deposits made on Veterans Day will not post until the next business day. If you deposit a check on Veterans Day, assume it will clear on the following day (or later, depending on the check's origin and your bank's processing rules).
Bill payments scheduled for Veterans Day may process on time if you set them up in advance through your online banking system, but some banks delay processing until the next business day. If you have a payment due on or near Veterans Day, schedule it for the day before the holiday to avoid any risk of late fees.
Direct deposits from employers or government agencies (like Social Security or tax refunds) scheduled for Veterans Day may arrive a day early or a day late, depending on the payer's system. Contact your employer or the paying agency if you're unsure about the timing of a specific deposit.
Planning ahead for Veterans Day closures
If you need cash, visit your bank or ATM before Veterans Day. Withdrawing money in advance ensures you have what you need without relying on ATM availability, which can be unpredictable during holidays when demand is high.
If you have bills due around Veterans Day, pay them online or by mail at least two business days before the holiday. This gives the payment time to process and reach the creditor before the deadline, avoiding late fees.
For time-sensitive transactions — like wire transfers, loan applications, or account changes — complete them before Veterans Day. The Federal Reserve's closure means wire transfers initiated on the holiday won't process until the next business day, which can delay funds by 24 hours or more.
Veterans Day closures by bank type
| Bank Type | Veterans Day Status | What to Confirm |
|---|---|---|
| Large national banks (Chase, Bank of America, Wells Fargo, Citibank) | Closed on observed Veterans Day | Check their website for exact hours; some may open limited branches |
| Regional and community banks | Usually closed, but varies | Call your local branch; some stay open or have limited hours |
| Credit unions | Most follow federal holiday schedule | Contact your credit union directly; some operate independently |
| Online-only banks | Branches don't exist; services run 24/7 | No closure, but wire transfers may delay due to Fed closure |
| ATMs and mobile apps | Open 24/7 | No action needed; full access on Veterans Day |
What to do if you need banking services on Veterans Day
Use your ATM to withdraw cash, deposit checks, or transfer money between your own accounts. Most ATMs are available around the clock and don't close for holidays.
Call your bank's customer service line. Many banks maintain phone support on holidays, and representatives can answer questions, process certain transactions, or help with account issues. The number is usually on your debit card or bank statement.
Use online banking or your mobile app to handle transfers, bill payments, and account management. These services are always available, though some transactions (like wire transfers) may not process until the next business day.
If you have an urgent problem — a fraudulent charge, a locked account, or a critical transaction — call your bank's customer service line. Most banks staff their phone lines on federal holidays for emergencies.
Frequently Asked Questions
Will my paycheck deposit on time if Veterans Day falls on a Friday?
Most employers process payroll before the holiday, so your direct deposit should arrive on Thursday or Friday as scheduled. If your employer processes payroll on the holiday itself, the deposit may arrive on Tuesday. Contact your HR or payroll department if you're unsure about the timing.
Can I use my debit card on Veterans Day if the bank is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer on Veterans Day. The bank closure only affects in-person branch services and certain back-office processing, not card transactions.
What happens if I need to wire money on Veterans Day?
Wire transfers initiated on Veterans Day won't process until the next business day because the Federal Reserve is closed. If the transfer is time-sensitive, initiate it the day before the holiday.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day, but some operate on different schedules. Call your credit union to confirm their hours. Online banking and ATMs typically remain available even if branches close.
Will checks I deposit on Veterans Day clear the same day?
No. Checks deposited on Veterans Day will post the next business day at the earliest. Mobile deposits and ATM deposits follow the same timeline.