Most banks are closed on November 11 when it falls on a weekday, but some branches and ATMs stay open
November 11 is Veterans Day, a federal holiday. Most major banks — Bank of America, Chase, Wells Fargo, Citibank, and others — close their physical branches on this day. However, ATMs and online banking remain available 24/7, so you can withdraw cash and check balances even when branches are shut.
If November 11 falls on a Saturday or Sunday, banks are already closed anyway, so the holiday does not change their normal weekend schedule. When November 11 lands on a weekday, treat it like a Saturday for branch access: no tellers, no loan officers, no in-person services.
Some credit unions and smaller regional banks may have different policies. A few stay open on Veterans Day or keep limited hours. Call your bank directly or check their website to confirm before you go in.
Key Takeaways
- Federal holidays close most bank branches, but ATMs work around the clock regardless of the date.
- Online banking, mobile apps, and phone lines stay open on Veterans Day so you can transfer money and pay bills.
- If you need cash or in-person service on November 11, plan ahead by withdrawing money the day before.
- Credit unions and regional banks may have different holiday schedules, so contact yours to be sure.
What you can and cannot do on November 11
You can use an ATM to withdraw cash, deposit checks (if your bank has mobile deposit or an ATM that accepts deposits), and check your balance. You can also log into your online account, transfer money between your own accounts, pay bills, and send wire transfers through your bank's website or app. Phone banking lines may be open at some institutions, though wait times are often longer on holidays.
You cannot walk into a branch and speak to a teller, open a new account in person, apply for a loan, or get a cashier's check. If you need a notary, safe deposit box access, or help with a dispute, you will have to wait until November 12.
How to prepare if you need money on Veterans Day
Withdraw cash on November 10 if you know you will need it on November 11. Most ATMs have daily withdrawal limits (often $500 to $1,000, depending on your bank and account type), so plan accordingly. If you need more than your limit allows, withdraw the maximum on November 10 and again on November 12.
If you need to pay a bill on November 11, use your bank's online bill pay system or your biller's website directly. Most payments scheduled through online banking post on the next business day anyway, so submitting on the holiday does not delay the transaction.
What happens if you deposit a check on November 11
If you use mobile deposit (taking a photo of the check through your bank's app), the deposit posts to your account immediately, though the funds may not be available until November 12 or 13 depending on your bank's hold policy. The holiday does not change the hold period.
If you try to deposit a check at an ATM that accepts deposits, the transaction processes, but the check is not physically collected until November 12. Your bank will credit the deposit to your account on the next business day after collection.
Which banks are definitely closed on November 11
All national banks chartered by the Office of the Comptroller of the Currency must close on federal holidays. This includes Chase, Bank of America, Wells Fargo, Citibank, PNC, TD Bank, and US Bank. State-chartered banks that are members of the Federal Reserve also close. If your bank is one of the "Big Four" or a major regional institution, assume the branch is closed.
Some online-only banks (like Ally, Charles Schwab Bank, or Marcus) have no physical branches, so the holiday does not affect them at all. You can still access your account and move money anytime.
Credit unions and smaller banks may have different hours
Credit unions are not required to follow the same federal holiday schedule as banks, though most do close on Veterans Day. Some credit unions stay open or keep limited hours. Call your credit union's main line or check their website to confirm their November 11 schedule.
Community banks and local institutions vary widely. A few stay open on federal holidays to serve customers who cannot visit on other days. If you bank locally, a quick phone call to your branch is the fastest way to know for certain.
Frequently Asked Questions
Can I use my debit card on November 11 if the bank is closed?
Yes. Your debit card works at ATMs and stores on Veterans Day regardless of whether your bank's branch is open. You can also use it to make online purchases or pay bills through your bank's website.
Will a check I deposit on November 11 clear the same day?
No. Even if you deposit it through mobile deposit or an ATM, the check is not physically processed until November 12. Funds typically become available one to two business days after that, depending on your bank's policy.
What if I need to dispute a charge on November 11?
Report it through your online account or mobile app if possible — most banks let you flag transactions there. If you need to speak to someone, call your bank's customer service line. Many banks staff phone lines on holidays, though wait times are longer.
Do wire transfers go through on Veterans Day?
Outgoing wires you initiate through your bank's website or app on November 11 are usually processed the next business day. Incoming wires may arrive on November 11 if they were sent before the holiday, but your bank will not process new incoming wires until November 12.
Is there a fee for using an out-of-network ATM on November 11?
No — the holiday does not change ATM fees. You will pay the same out-of-network fee (if any) on November 11 as you would on any other day. Using your own bank's ATM is always free.