Most banks will be closed on Veterans Day, November 11, 2025
Veterans Day is a federal holiday, and most banks observe it by closing their branches for the day. This means you won't be able to visit a teller, use a safe deposit box, or conduct in-person business on November 11. However, you can still access your money through ATMs, online banking, and mobile apps — those services run 24/7 regardless of the holiday.
Some banks may have different policies, so it's worth checking with your specific bank before that day. A few large banks or credit unions in certain areas might stay open, though this is uncommon. The safest approach is to assume your branch will be closed and plan any urgent banking for November 10 or 12.
Key Takeaways
- Most bank branches close on Veterans Day, November 11, 2025, because it is a federal holiday.
- ATMs and online banking remain available on Veterans Day, so you can withdraw cash and check balances anytime.
- If you need to deposit checks or handle transactions that require a teller, do that on November 10 or 12 instead.
- Call your bank's customer service line or check their website to confirm your specific branch's holiday hours.
What you can and cannot do on Veterans Day
ATMs work normally on Veterans Day — you can withdraw cash, deposit checks at machines that accept them, and check your balance. Online banking and mobile apps also stay open, so you can transfer money between accounts, pay bills, and review transactions from your phone or computer.
What you cannot do is walk into a branch and speak to a teller. You won't be able to open a new account, apply for a loan, access a safe deposit box, or handle any transaction that requires a person behind the counter. If you need a cashier's check or a notarized document, you'll have to wait until the branch reopens.
Most banks' customer service phone lines remain staffed on Veterans Day, though wait times are often longer. If you have a question about your account or need to report fraud, calling is usually faster than waiting for the branch to reopen.
How to check your bank's specific hours
The easiest way to confirm whether your branch is open is to search "[Your Bank Name] Veterans Day hours" or visit the bank's website directly. Most banks post holiday schedules weeks in advance, usually in a section labeled "Hours" or "Holiday Hours."
You can also call your branch's main number — the greeting will tell you whether it's open and direct you to customer service if you need help. If you use a credit union instead of a bank, check their website the same way; credit unions sometimes have different holiday policies than national banks.
Planning ahead to avoid problems
If you know you'll need cash or need to make a deposit before Veterans Day, do it on November 10. This is especially important if you're depositing a check and need the funds to clear before the weekend — banks don't process deposits on holidays, so a check deposited on November 11 won't post until November 12 at the earliest.
If you're traveling or away from your usual branch on November 11, use an ATM from your bank's network or a partner bank. Most banks belong to ATM networks that let you withdraw cash from other banks' machines without a fee, though some charge a small surcharge. Check your bank's website for a list of partner ATMs near where you'll be.
What happens to automatic payments and transfers
Automatic bill payments and scheduled transfers usually go through on Veterans Day as normal, even though the branch is closed. The transaction is processed by the bank's computer system, not by a person, so the holiday doesn't stop it. However, if a payment is scheduled to post on November 11 and your account doesn't have enough money, you may still face an overdraft fee.
If you're worried about a payment timing, move money into the account a day or two early. You can do this through online banking or an ATM, so you don't need the branch to be open.
If you need emergency banking on Veterans Day
If you have a genuine emergency — fraud on your account, a lost card, or a critical issue — call your bank's customer service line. Most banks staff these lines on holidays, and they can freeze accounts, issue temporary cards, or handle urgent problems without you needing to visit a branch.
For a lost or stolen debit card, you can usually request a replacement through the app or website, and it will arrive within a few business days. If you need cash immediately and can't wait, an ATM is your fastest option.
Frequently Asked Questions
Can I deposit a check at an ATM on Veterans Day?
Yes, if your bank's ATMs accept check deposits. Most modern ATMs do, and the deposit will be processed when the bank reopens on November 12. However, the funds may not be available until November 13, depending on your bank's policy.
Will my automatic bill payment go through on Veterans Day?
Yes, automatic payments process normally on holidays because they're handled by computer systems, not by bank staff. Make sure you have enough money in your account to cover the payment, or you could face an overdraft fee.
What if I need to wire money on Veterans Day?
You cannot send a wire transfer on Veterans Day through a bank branch. However, some banks allow wire transfers through their online banking platform or app. Check your bank's website or call customer service to see if this option is available to you.
Are credit unions open on Veterans Day?
Most credit unions close on Veterans Day, but policies vary. Check your credit union's website or call their main number to confirm. ATMs and online banking remain available regardless.
Can I still use my debit card on Veterans Day?
Yes, you can use your debit card to make purchases and withdraw cash from ATMs on Veterans Day. The holiday only affects in-person branch services, not card transactions or ATM access.