Most banks are closed on November 11 if it falls on a weekday

November 11 is Veterans Day, a federal holiday. Banks that are members of the Federal Reserve system close on all federal holidays, which means most major banks — Chase, Bank of America, Wells Fargo, Citibank, and others — will be closed on November 11 if that date is a Monday through Friday.

If November 11 falls on a Saturday or Sunday, banks are already closed those days, so the closure does not affect your schedule. When November 11 lands on a Saturday, some banks observe the holiday on Friday instead. When it lands on a Sunday, some observe it on Monday. Check with your specific bank to confirm their observance date if November 11 is a weekend day.

Credit unions follow the same federal holiday schedule as banks, so most will also be closed on November 11 when it is a weekday. Online banking, ATMs, and mobile apps remain available even when physical branches are closed.

Key Takeaways

  • Banks close on November 11 when it falls on a weekday because it is a federal holiday.
  • ATMs and online banking work normally on Veterans Day even though branches are closed.
  • If November 11 is a Saturday or Sunday, check whether your bank observes the holiday on Friday or Monday instead.
  • Wire transfers and ACH payments may process more slowly if initiated on or near Veterans Day.
  • Credit unions follow the same closure schedule as banks for federal holidays.

What you can still do on November 11

You can withdraw cash from ATMs, check your account balance, transfer money between your own accounts, and deposit checks using mobile deposit or ATM deposit envelopes. Online bill pay typically works as normal. Debit and credit card transactions process without interruption.

What you cannot do is speak to a bank representative, open a new account in person, or conduct business that requires a teller or loan officer. If you need to do something that requires staff, plan to visit on November 10 or November 12.

Wire transfers and ACH payments around Veterans Day

Wire transfers initiated on November 11 will not process until November 12 at the earliest. The Federal Reserve does not process wires on federal holidays, so money sent on Veterans Day sits in a queue until the next business day.

ACH payments (the system used for direct deposits, bill payments, and transfers between banks) also do not process on federal holidays. If you schedule an ACH payment to post on November 11, it will actually post on November 12. If you need money to arrive by a specific date, initiate the transfer by November 10.

How to find your bank's specific hours

Call your bank's customer service line — the number is on your debit card or bank statement. They can confirm whether your branch is closed on November 11 and whether they observe the holiday on a different day if November 11 is a weekend.

You can also check your bank's website or mobile app. Most banks post holiday hours prominently in the days before November 11. Search for "holiday hours" or "November 11" on the site, or look for a branch locator tool that shows individual branch hours.

Banks that may have different hours

Some smaller regional banks and credit unions may stay open on Veterans Day or have modified hours. This is less common but does happen. A few banks in certain states may have different holiday schedules based on state law. Always confirm with your specific institution rather than assuming closure.

Military banks like USAA and Navy Federal Credit Union may have different policies around Veterans Day. If you bank with a military-focused institution, contact them directly to confirm their November 11 schedule.

Planning ahead for November 11

If you need cash, withdraw it on November 10. If you need to pay a bill by a certain date, process it before November 11. If you are expecting a wire transfer or direct deposit, assume it will not arrive until November 12 or later.

If you have a time-sensitive banking need, handle it on November 10. Most banks are open regular hours that day. This avoids the frustration of showing up to a closed branch or waiting an extra day for a transaction to process.

Frequently Asked Questions

Can I use my debit card on November 11 if the bank is closed?

Yes. Your debit card works at stores, online, and at ATMs regardless of whether your bank branch is open. You can also withdraw cash from any ATM in your bank's network or from other banks' ATMs (though you may pay a fee).

Will my direct deposit arrive on November 11?

No. Direct deposits scheduled for November 11 will arrive on November 12 because the Federal Reserve does not process ACH payments on federal holidays. If your paycheck normally arrives on November 11, it will arrive on November 12 instead.

What if I need to deposit a check on November 11?

Use mobile deposit through your bank's app or deposit the check into an ATM deposit envelope if your bank offers that service. Both methods work on holidays. The check will be processed when the bank reopens on November 12.

Do online banks close on November 11?

Online banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no "closing." However, their customer service phone lines may have reduced hours or be closed on Veterans Day. Online account access and ATM withdrawals work normally.

If November 11 is a Saturday, is the bank closed on Friday?

Not automatically. Some banks observe the holiday on Friday when November 11 falls on Saturday, but others do not. Check with your bank directly to confirm whether they close on Friday, Saturday, or both.