Most banks will be closed on Veterans Day, but the exact closure depends on which day the holiday falls
Veterans Day is November 11. When November 11 lands on a weekday, most banks close for the federal holiday. If November 11 falls on a Saturday or Sunday, banks typically observe the holiday on the nearest weekday — usually Friday if the 11th is a Saturday, or Monday if the 11th is a Sunday.
The major national banks — Bank of America, Chase, Wells Fargo, Citibank, and US Bank — all close on the observed Veterans Day. Regional and community banks follow the same federal holiday schedule. Credit unions also close, though a small number may stay open; call your branch to confirm.
Even if a branch location appears to have hours listed online, those hours may not reflect the actual closure. The safest approach is to call your specific branch directly or check your bank's website for Veterans Day hours before you need to visit. Many banks update their holiday schedules in early November, so checking a week in advance gives you time to plan.
Key Takeaways
- Banks close on Veterans Day when it falls on a weekday (Monday through Friday), and observe it on the nearest weekday if November 11 is a weekend day.
- All major national banks and most regional banks follow the federal holiday closure schedule.
- ATMs and online banking remain available even when branches are closed.
- Call your branch or check your bank's website to confirm hours before you plan to visit.
- If you need cash or services, plan ahead by visiting the day before or using an ATM.
What stays open when the branch closes
Your bank's ATM will work on Veterans Day even if the branch is closed. You can withdraw cash, deposit checks (if your ATM has mobile deposit), and check your balance 24 hours a day. ATM fees from other banks may apply, depending on your account and the ATM network.
Online banking, mobile apps, and phone banking all remain available. You can transfer money between your own accounts, pay bills, and check transactions from home. Wire transfers and other services that require staff processing may be delayed until the next business day. Debit cards work normally at merchants and ATMs regardless of branch status.
Planning ahead for Veterans Day closures
If you need cash, withdraw it the day before. If you need to deposit a check, use your bank's mobile app (most banks offer this) or deposit it at an ATM if your account supports it. Checks deposited on Veterans Day will be processed the next business day, so there is no advantage to waiting until the holiday itself.
If you need to speak to someone at the bank — to dispute a charge, open an account, or get a cashier's check — plan to visit on the day before or the day after. Some banks offer limited phone support on federal holidays; call ahead to ask. Having your account number and any relevant documents ready will speed up the conversation when you reach someone.
Wire transfers and time-sensitive transactions
Wire transfers initiated on Veterans Day will not process until the next business day. If you need to send money urgently, do it before the holiday. The same applies to loan applications, mortgage payments, and other transactions that require bank staff to process or that move through the Federal Reserve system.
Automatic bill payments and recurring transfers scheduled for Veterans Day will go through on time — these are processed by the bank's system, not by staff. Check your account the day after to confirm the transaction posted. If a payment is due on Veterans Day itself, submit it the day before to avoid any processing delays that could trigger a late fee.
Credit unions and smaller banks
Most credit unions close on Veterans Day, but some stay open with reduced hours. Call your credit union directly to confirm, as policies vary widely. Smaller regional banks may have different policies than national chains, so do not assume your bank follows the same schedule as Bank of America or Chase.
If your bank is part of a shared branching network, you may be able to visit a partner branch on Veterans Day. Ask your bank whether this option is available to you. Some credit unions participate in CO-OP or Alliant networks that allow members to use other branches in the system.
Online banks and digital-only accounts
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so there is no closure to worry about. You can transfer money and manage your account normally on Veterans Day. However, some services may process slower because the Federal Reserve itself is closed on the holiday, which affects how quickly money moves between banks.
If you hold accounts at both a traditional bank and an online bank, remember that transfers between them may take longer on Veterans Day. Plan accordingly if you need to move money between institutions.
Frequently Asked Questions
Can I use my debit card on Veterans Day if the bank is closed?
Yes. Your debit card works at any ATM and any merchant that accepts cards. Only in-person services at the branch require the bank to be open.
Will my direct deposit still arrive on Veterans Day?
Direct deposits scheduled for Veterans Day may arrive on time or one day late, depending on your employer's payroll system and your bank's processing schedule. Check with your employer or your bank if you are unsure.
What if I need a cashier's check on Veterans Day?
You cannot get a cashier's check when the branch is closed. Plan ahead and get one the day before, or wait until the day after the holiday.
Do online banks close on Veterans Day?
Online banks like Ally and Charles Schwab do not have physical branches, so there is no closure. You can transfer money and manage your account normally, though some services may process slower because the Federal Reserve is closed.
Can I pay my mortgage on Veterans Day?
You can submit a payment online or by phone, but it will not process until the next business day. If your mortgage payment is due on Veterans Day, submit it the day before to avoid a late fee.