Yes, most banks close on Veterans Day, November 11, 2025
Veterans Day is a federal holiday, and most banks observe it by closing their branches and suspending normal business hours. If November 11 falls on a weekday—which it does in 2025—you will not be able to visit a branch, use a teller, or conduct in-person banking that day.
However, you can still access your money through ATMs, online banking, and mobile apps. Transfers, bill payments, and account checks work normally on the holiday itself. The main limitation is that any transaction requiring a bank employee—deposits at the teller window, loan applications, account disputes—will have to wait until the next business day.
Some banks may stay open on the Saturday or Sunday nearest Veterans Day if they have weekend hours, but this varies by location and institution. Check your bank's website or call ahead if you need to know your specific branch's schedule.
Key Takeaways
- Banks close their branches on Veterans Day, November 11, 2025, because it is a federal holiday.
- ATMs, online banking, and mobile apps remain available on the holiday, so you can withdraw cash and check balances.
- Any transaction that requires speaking to a bank employee will not be processed until November 12 or later.
- Some banks with Saturday or Sunday hours may open on the weekend nearest the holiday, but this depends on your specific branch.
What you can and cannot do on Veterans Day
ATM withdrawals, balance checks, and money transfers between your own accounts work normally on Veterans Day. If you use your bank's mobile app or website, you can pay bills, set up transfers, and deposit checks by phone camera (mobile check deposit) without any interruption.
What stops on the holiday: depositing cash or checks at a teller window, opening a new account, disputing a charge, applying for a loan or credit card, and speaking to a customer service representative in person. If you need to do any of these things, plan to visit on November 10 or wait until November 12.
Wire transfers initiated through online banking may process on the holiday itself, but some banks hold them until the next business day. If you need a wire to go out urgently, send it before the holiday closes.
How to find your bank's specific hours
The safest way to confirm whether your branch is open is to search your bank's name plus "Veterans Day hours" or visit their website directly. Most banks post holiday schedules weeks in advance on their homepage or in the branch locator tool.
You can also call your branch directly or use the bank's mobile app, which often shows holiday hours in the branch details section. If you bank at a credit union instead of a bank, check their website the same way—credit unions also close on federal holidays, though some have different schedules than large national banks.
Planning ahead for the holiday
If you need cash, withdraw it on November 10 or earlier. If you need to deposit a check, use mobile check deposit through your app or visit an ATM that accepts deposits (many do). If you have a time-sensitive banking need, handle it before the holiday.
For payroll deposits and automatic bill payments, these process normally on Veterans Day—the holiday does not stop the automated systems that move money in and out of your account. Your paycheck will arrive on schedule if your employer deposits it electronically.
If you are planning a large withdrawal or need to conduct multiple transactions, Tuesday, November 10 is the day to do it. This gives you a full business day to handle anything that requires a teller or bank representative.
What happens if you need emergency cash
ATMs work 24/7 on Veterans Day, so you can withdraw cash at any time. If your ATM card is lost or stolen, call your bank's customer service line (usually available on the back of your card or on their website) to report it. Many banks have automated phone systems that work on holidays.
If you need to speak to a live representative on Veterans Day itself, some banks maintain a holiday customer service line. Check your bank's website or your account statements for the number to call. Large national banks typically have customer service available even when branches are closed.
Frequently Asked Questions
Will my direct deposit come through on Veterans Day?
Yes. Payroll deposits and other automatic transfers process normally on federal holidays because they run on automated systems, not through bank employees. Your money will arrive on the scheduled date even though branches are closed.
Can I use my debit card on Veterans Day?
Yes. Debit cards work at stores, restaurants, and ATMs on the holiday. Only in-person banking at a branch is affected by the closure.
What if I need to deposit a check on Veterans Day?
Use mobile check deposit through your bank's app if you have it—most banks offer this feature at no cost. You photograph the front and back of the check and submit it through the app. The check posts to your account within one or two business days.
Do online banks close on Veterans Day?
Online-only banks do not have physical branches, so there is nothing to close. You can transfer money, pay bills, and manage your account normally on Veterans Day through their website or app.
What if Veterans Day falls on a weekend?
In 2025, Veterans Day is on Tuesday, November 11, so this does not apply. But when Veterans Day falls on a Saturday or Sunday, federal offices and most banks observe the holiday on the nearest weekday instead—usually the Friday before or the Monday after.