Most banks close on Veterans Day, but some branches stay open
Veterans Day falls on November 11 each year, and most major banks treat it as a federal holiday. That means most branches will be closed. However, not every bank closes every branch, and some banks operate limited hours or stay open entirely. The safest move is to check your specific bank's website or call your local branch the day before to confirm.
If you need to do banking on Veterans Day, you have options: ATMs work 24/7 regardless of branch closures, mobile banking apps let you transfer money and pay bills, and some banks operate a small number of branches or extended-hours locations. Credit unions also vary — some close, others stay open — so check with yours directly.
Key Takeaways
- Most major banks (Chase, Bank of America, Wells Fargo, Citibank, and others) close all branches on Veterans Day, though ATMs remain available.
- Some regional banks and credit unions stay open or operate limited hours on Veterans Day, so you need to check your institution directly.
- You can handle most banking tasks through ATMs, mobile apps, and online banking without visiting a branch.
- If you need cash or in-person service, plan ahead by withdrawing money the day before or finding a bank that operates on the holiday.
Which major banks close on Veterans Day
Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, PNC Bank, and TD Bank all close their branches on Veterans Day. This is a standard practice across the largest U.S. banks. If you have an account with any of these institutions, assume your local branch will be closed unless you hear otherwise.
The closure applies to physical branches only. Your debit card works at ATMs, you can log into online banking, and you can use mobile apps to transfer money, pay bills, or deposit checks (if your bank offers mobile deposit). Wire transfers and other services that require staff may be delayed until the next business day.
Banks and credit unions that may stay open
Some smaller regional banks and credit unions remain open on Veterans Day or operate reduced hours. Examples include certain community banks and some online-only banks (though online banks have no physical branches to close). Call your bank directly or check their website for holiday hours — most post this information a week or two in advance.
Credit unions are less uniform than major banks. Some close on all federal holidays; others stay open. The only way to know is to contact your credit union directly or visit their website. If you belong to a credit union, do this check before Veterans Day arrives.
What you can do without visiting a branch
ATMs dispense cash and accept deposits 24 hours a day, even when branches are closed. If you need cash for Veterans Day, withdraw it on November 10 or use an ATM on the holiday itself. Most banks let you deposit checks through ATMs or mobile apps, so you do not need a teller for that either.
Mobile and online banking handle transfers between your own accounts, payments to other people, bill payments, and balance checks. If your bank offers mobile check deposit, you can photograph a check and submit it through the app. These services run around the clock and do not depend on branch hours.
What you cannot do on Veterans Day
You cannot speak to a banker, get a cashier's check, open a new account, or resolve disputes that require staff review. Wire transfers initiated on Veterans Day may not process until November 12. If you need a notary, safe deposit box access, or a loan decision, you will need to wait until the branch reopens.
Plan ahead if you know you will need these services around Veterans Day. Call your branch on November 10 to handle what you can before the holiday, or wait until November 12 when staff returns.
How to find your bank's Veterans Day hours
Visit your bank's website and search for "holiday hours" or "Veterans Day hours." Most banks post this information in a dedicated section. You can also call your local branch directly — the phone line usually tells you the hours before you speak to anyone. If you use online banking, log in and look for a notice about holiday closures.
Do this check on November 9 or 10, not on the morning of November 11. If you wait until the holiday, you may not reach anyone to confirm. Some banks update their websites only a few days before the holiday, so checking the day before is your best bet.
Frequently Asked Questions
Can I use my debit card at an ATM on Veterans Day?
Yes. ATMs operate 24/7 on all federal holidays, including Veterans Day. You can withdraw cash, deposit checks (at most banks), and check your balance anytime on November 11.
Will my direct deposit go through on Veterans Day?
Direct deposits typically post on schedule, even on federal holidays. If your paycheck is scheduled to arrive on November 11, it should appear in your account as usual. Check with your employer if you are unsure of the deposit date.
Can I pay bills online on Veterans Day?
Yes. Online bill payments and mobile app transfers work on Veterans Day. However, if you schedule a payment to process on November 11, it may not reach the recipient until November 12 if they also observe the holiday.
What if I need cash and my bank is closed?
Use any ATM, including those at other banks or grocery stores. You may pay a small out-of-network fee, but you can access your money. Plan ahead by withdrawing cash on November 10 if you know you will need it.
Do online banks close on Veterans Day?
Online banks have no physical branches, so there is nothing to close. You can access your account and move money anytime. However, customer service phone lines may have reduced hours or be closed, and some transactions may process slower on federal holidays.