Most banks are closed on Veterans Day, but the rules vary by bank and location
Veterans Day falls on November 11 each year. Most major banks — including Bank of America, Wells Fargo, Chase, and Citibank — close their physical branches on this federal holiday. However, online banking, ATMs, and mobile apps stay open 24/7, so you can still transfer money, check balances, and pay bills without visiting a branch.
Some smaller regional banks and credit unions may have different schedules. A few stay open on Veterans Day or operate limited hours. The safest approach is to call your specific bank or check their website before you need to visit a branch on November 11.
If you need cash or have an urgent banking need on Veterans Day, plan ahead. Withdraw what you need the day before, or use an ATM on the holiday itself — ATMs work whether the branch is staffed or not.
Key Takeaways
- Major national banks close their branches on Veterans Day, but ATMs and online banking remain available around the clock.
- Credit unions and smaller regional banks may have different hours, so contact your institution directly to confirm.
- Checks and electronic transfers you submit on Veterans Day typically process the next business day, not when ready.
- Plan cash withdrawals for the day before Veterans Day if you know you will need physical money on the 11th.
What stays open when branches close
ATMs work on Veterans Day regardless of whether the branch is open. You can withdraw cash, deposit checks through mobile deposit, and check your balance at any ATM in your bank's network.
Online banking portals and mobile apps have no holiday schedule. You can log in, transfer money between accounts, pay bills, and send wire transfers from your phone or computer on Veterans Day. These transactions are processed by automated systems that run continuously.
Customer service phone lines may have reduced staffing or be closed entirely. If you need to speak to a representative about a problem, you may have to wait until November 12.
When deposits and payments actually post
If you deposit a check through an ATM or mobile deposit on Veterans Day, it enters the system but does not clear until the next business day. The bank does not process deposits on federal holidays, so a check deposited on November 11 will typically post on November 12.
Electronic bill payments you schedule on Veterans Day usually process on the next business day as well. If you are paying a bill that is due on November 12, do not wait until Veterans Day to submit the payment — send it on November 10 instead.
Wire transfers submitted on Veterans Day may also delay until the following day, depending on your bank's processing schedule. Check with your bank if you have a time-sensitive transfer planned.
Which banks are definitely closed
All major national banks close on Veterans Day: Bank of America, Wells Fargo, Chase, Citibank, US Bank, PNC, and Capital One all shut their branches. These closures explore to all branch locations nationwide.
Most credit unions also close on Veterans Day, though some remain open with limited hours. Call your credit union directly — their phone line will tell you whether they are open or closed on November 11.
Community banks vary widely. Some close for the full day, others open for a few hours in the morning, and a small number stay open. Your best source is the bank's website or a quick phone call to your local branch.
Planning ahead for Veterans Day banking needs
If you know you will need cash on Veterans Day, withdraw it on November 10. This is the simplest way to avoid any uncertainty about ATM availability or branch hours.
If you have a bill due on November 11 or 12, submit the payment on November 9 or 10. This gives the bank time to process it before the holiday and ensures it posts on time.
If you need to deposit a check and want it to clear quickly, deposit it before Veterans Day. Checks deposited on the holiday will not clear until the next business day, which may delay access to the funds.
For any transaction that requires speaking to a representative — disputing a charge, reporting a lost card, or asking about a loan — call on November 10 or wait until November 12. Do not assume customer service will be available on the holiday.
What happens if you need emergency banking on Veterans Day
ATMs are your primary option for emergency cash on Veterans Day. Every major bank's ATM network operates continuously, so you can withdraw money at any time.
If your card is lost or stolen and you need a replacement urgently, you cannot get one on Veterans Day. Call your bank on November 10 to report it and ask about expedited shipping options. Some banks can overnight a replacement card, but the process starts the next business day.
If you discover fraud on your account on Veterans Day, document it and call your bank's fraud line as soon as possible on November 12. Most banks have 24/7 fraud reporting, but the investigation and dispute process cannot begin until the branch reopens.
Frequently Asked Questions
Can I use my debit card on Veterans Day if the bank is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer on Veterans Day. The branch being closed does not affect your ability to spend money or withdraw cash from ATMs. Only in-person transactions at the branch itself are blocked.
Will a check I deposit on Veterans Day clear the same day?
No. Checks deposited on Veterans Day do not clear until November 12 at the earliest. The bank does not process deposits on federal holidays. If you need the money urgently, deposit the check on November 10.
What if I need to speak to someone about a problem on Veterans Day?
Most bank customer service lines are closed or have very limited staffing on Veterans Day. Call on November 10 or 12 instead. For fraud or a lost card, some banks have 24/7 hotlines — check your bank's website for the emergency number.
Do online bill payments go through on Veterans Day?
You can submit a bill payment on Veterans Day through your bank's website or app, but it will not process until November 12. Schedule payments at least two business days before they are due to may support they post on time.
Are credit unions closed on Veterans Day too?
Most credit unions close on Veterans Day, but some operate limited hours. Call your credit union directly — their voicemail will tell you the holiday schedule. Do not assume they follow the same hours as your bank.