Most banks are closed on Veterans Day, but some branches and online services stay open
Veterans Day falls on November 11 each year. On that date, most major banks — including Bank of America, Chase, Wells Fargo, Citibank, and US Bank — close their physical branches because it is a federal holiday. However, the closure rules vary by bank and by what you are trying to do.
If today is November 11 and you need to visit a branch in person, call ahead or check your bank's website to confirm. Some banks open a few branches in certain locations even on federal holidays. Online banking, mobile apps, and ATMs typically work on Veterans Day regardless of branch closures, so you can transfer money, check balances, and deposit checks remotely.
If today is not November 11, your bank is open during normal hours. Veterans Day observance can shift to the nearest weekday if November 11 falls on a weekend — for example, if November 11 is a Saturday, some banks observe the holiday on Friday, November 10. Check your bank's holiday calendar to be certain.
Key Takeaways
- Physical bank branches close on November 11 (Veterans Day) because it is a federal holiday, but ATMs and online banking remain available.
- If November 11 falls on a weekend, some banks observe the holiday on the nearest weekday instead — Friday if it is a Saturday, Monday if it is a Sunday.
- Call your specific branch or visit your bank's website to confirm whether it is open today, because a small number of locations stay open on federal holidays.
- Wire transfers, bill payments, and check deposits can be done through your bank's app or website on Veterans Day, though processing may be delayed until the next business day.
What stays open when branches close
ATMs work 24 hours on Veterans Day. You can withdraw cash, deposit checks using mobile deposit or an ATM with a deposit slot, and check your balance at any time.
Online and mobile banking platforms do not close. You can log in to your bank's website or app, transfer money between accounts, pay bills, and send money to other people. Transactions initiated on Veterans Day may not process until the next business day, but you can still start them.
Some banks operate a customer service phone line on federal holidays, though wait times are often longer. Check your bank's website for the holiday phone number if you need to speak with someone.
When Veterans Day observance shifts to a different day
If November 11 falls on a Saturday, federal offices and most banks observe the holiday on Friday, November 10. If November 11 falls on a Sunday, the observance moves to Monday, November 12. This means branches will be closed on the observed date, not necessarily on November 11 itself.
Your bank's website or app usually displays the holiday schedule in the "Hours" or "Locations" section. If you are unsure whether your branch is open on a specific date, search for your branch by name and zip code — the listing will show whether it is closed for a holiday.
What to do if you need banking services on Veterans Day
If you need to deposit a check, use mobile deposit through your bank's app. Take a photo of the front and back of the check, enter the amount, and submit it. The deposit will be held until the next business day, but you will not have to visit a branch.
If you need cash, find an ATM that belongs to your bank or a network your bank participates in (such as Allpoint or MoneyPass). ATMs charge no fee when you use your own bank's machine, but out-of-network ATMs may charge $2 to $3 per transaction.
If you need to wire money or make an urgent payment, do it through your bank's website or app before the close of business on the day before Veterans Day. Transactions submitted on the holiday itself will not process until the next business day.
Banks that typically stay open on some federal holidays
A small number of banks operate limited hours or keep certain branches open on federal holidays. Credit unions are more likely to stay open than large national banks, and branches in busy urban areas or shopping centers are more likely to be open than suburban or rural branches.
If staying open on Veterans Day is important to you, call your branch directly or check the bank's website. Do not assume a branch is open just because the bank operates in your area — each location sets its own holiday schedule.
Frequently Asked Questions
Can I use my debit card at a store if my bank is closed on Veterans Day?
Yes. Your debit card works at any store, gas station, or ATM regardless of whether your bank's branch is open. The transaction processes through the bank's system even when the physical branch is closed.
Will my direct deposit arrive on Veterans Day?
Direct deposits scheduled for Veterans Day may arrive late. Most employers and payroll systems do not process payments on federal holidays, so a deposit scheduled for November 11 usually arrives on November 12 instead. Check with your employer if you are unsure.
Can I cash a check at a store if the bank is closed?
Some grocery stores and retailers offer check-cashing services and are open on Veterans Day. Walmart, Target, and many supermarkets cash checks for a small fee. Bring your ID and the check to the customer service desk.
What if I need to dispute a charge on Veterans Day?
Call your bank's customer service line — most banks staff a phone line on federal holidays, though wait times are longer. You can also report a dispute through your bank's website or app and follow up in person the next business day.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day, but some stay open with reduced hours. Call your credit union or check its website to confirm. Credit union ATMs and online banking work the same way as bank ATMs and online banking on the holiday.