Most banks will be closed on Veterans Day, but you can still get cash and move money
Yes, most banks close on Veterans Day (November 11), which is a federal holiday. That means branch lobbies will be shut, you cannot speak to a teller, and you cannot conduct business in person. However, you will still be able to withdraw cash from ATMs, transfer money online, pay bills through your bank's website or app, and deposit checks through mobile deposit or ATM if your bank offers it.
The key difference is that any transaction you make on Veterans Day will not process until the next business day. If you send a wire transfer or write a check, it will not clear until November 12. If you need cash or want to move money before the holiday, do it on November 10.
Some credit unions and smaller regional banks may have different schedules, so check your bank's website or call ahead if you are unsure. A few banks stay open on federal holidays, though this is rare.
Key Takeaways
- Bank branches close on Veterans Day, but ATMs and online banking remain available 24/7.
- Any deposits, transfers, or payments you make on Veterans Day will not process until November 12.
- If you need cash or want to move money before the holiday, complete the transaction on November 10.
- Some credit unions and smaller banks may stay open, so check with your institution directly.
- Automatic payments and direct deposits scheduled for Veterans Day will process on the next business day.
What you can and cannot do on Veterans Day
On Veterans Day, you cannot walk into a bank branch and speak to a teller, open a new account, order a cashier's check, or get a loan approved. You also cannot use the bank's safe deposit box or speak to a financial advisor in person.
What you can do: withdraw cash from any ATM that accepts your card, check your balance online or through your app, transfer money between your own accounts, send money to another person through your bank's app or website, deposit a check through mobile deposit or an ATM deposit slot, and pay bills through online banking. If your bank uses a third-party ATM network, those ATMs will work as well.
Direct deposits and automatic bill payments scheduled for Veterans Day will still go through, but they will post on November 12 instead of November 11. This matters if you are counting on a paycheck or a government payment to arrive by a certain date.
How to prepare before Veterans Day
If you know you will need cash over the Veterans Day weekend, withdraw it on Friday, November 10. ATMs sometimes run out of cash on holiday weekends, especially in smaller towns, so do not wait until the last minute.
If you need to make a large transfer or send a wire, do it before November 10. Wires sent on the holiday will not leave your account until November 12, and the receiving bank will not see the money until November 13. If the timing matters for a bill payment or a deadline, send it earlier in the week.
If you are expecting a government payment—such as a tax refund, Social Security deposit, or stimulus payment—and it is scheduled to arrive on Veterans Day, it will post to your account on November 12. Your bank will not hold it; the Federal Reserve simply does not process payments on federal holidays.
Which banks stay open on Veterans Day
Most major banks (Bank of America, Chase, Wells Fargo, Citibank, US Bank) close on Veterans Day. However, some credit unions, online-only banks, and regional institutions stay open or have limited hours. USAA, for example, operates 24/7 and does not close on federal holidays. Some online banks like Ally and Charles Schwab also remain open.
If you bank with a smaller regional bank or credit union, call the branch directly or check their website to confirm their Veterans Day hours. Many post holiday schedules in advance on their homepage or in the branch locator tool.
If you need in-person banking on November 11, your best bet is to find a credit union that remains open. Credit unions are not required to follow the same federal holiday schedule as banks, though most do.
What happens to checks and deposits on Veterans Day
If you deposit a check through mobile deposit or an ATM on Veterans Day, it will be processed on November 12. The check will not clear until November 13 or later, depending on the bank that issued it. This is true even if you deposit it early in the morning on November 11.
If you receive a paper check in the mail on Veterans Day, you can deposit it through your phone or at an ATM, but it will not be available for withdrawal until November 13 at the earliest. Do not count on the money being there on November 11.
If you write a check and mail it on Veterans Day, the recipient will not see it until after the holiday. If the check is due on November 11, mail it before the holiday or use online bill pay instead.
Government payments and Veterans Day
Social Security, Veterans Affairs benefits, Supplemental Security Income (SSI), and other federal payments scheduled for Veterans Day will deposit into your account on November 12. The Federal Reserve does not process payments on federal holidays, so your bank cannot make the deposit earlier.
Tax refunds, stimulus payments, and other IRS payments follow the same rule. If the IRS or another federal agency schedules a payment for November 11, it will arrive on November 12. Your bank will not delay it further once it arrives.
If you are waiting for a federal payment and the scheduled date is Veterans Day, plan your budget around November 12 instead. Do not assume the money will be there on November 11.
Frequently Asked Questions
Can I use my debit card on Veterans Day?
Yes. Debit cards work at merchants, ATMs, and online retailers on Veterans Day. Your bank branch is closed, but the card itself is active. Transactions will process normally, though any pending transactions may not post until November 12.
Will my automatic bill payment go through on Veterans Day?
Yes, automatic payments scheduled for Veterans Day will process, but they will post to your account on November 12 instead of November 11. If the payment is due on November 11, set it up before the holiday to avoid a late fee.
What if I need to report fraud on Veterans Day?
Call your bank's fraud line. Most banks have a 24/7 fraud hotline that operates on holidays. The number is usually on the back of your card. You can also report fraud through your bank's app or website, and it will be reviewed on November 12.
Can I get a cashier's check on Veterans Day?
No. Cashier's checks are issued by tellers at the branch, which is closed on Veterans Day. If you need one, get it on November 10 or wait until November 12. Some banks can mail a cashier's check, but that takes several days.
Do online banks close on Veterans Day?
Most online-only banks remain open on Veterans Day because they do not have physical branches. However, processing times for transfers and deposits may still be delayed by one business day. Check your bank's website to confirm their holiday schedule.