Most banks are closed on Veterans Day, but some branches and services stay open

Veterans Day falls on November 11 each year. On this federal holiday, most traditional bank branches close for the day. However, the full picture depends on which bank you use and what you need to do.

Large national banks like Bank of America, Chase, Wells Fargo, and Citibank close their physical branches on Veterans Day. Credit unions typically close as well. If you need to visit a branch in person, you will not be able to do so on November 11.

That said, you can still access your money and conduct many banking tasks without stepping into a branch. ATMs work 24/7, online banking platforms stay open, and mobile apps function normally. If you need to speak with someone, many banks offer phone support on holidays, though wait times may be longer.

Key Takeaways

  • Physical bank branches close on Veterans Day, but ATMs and online banking remain available around the clock.
  • You can withdraw cash, check balances, transfer money, and pay bills through ATMs and banking apps on Veterans Day.
  • Some banks offer phone support on the holiday, though customer service lines may have longer wait times.
  • If you need to deposit a check or handle a transaction that requires a teller, plan to visit your branch on November 10 or 12.

What banking services work on Veterans Day

ATMs are your most reliable option on Veterans Day. You can withdraw cash, deposit checks (if your ATM has a deposit slot), check your balance, and transfer money between your own accounts. These machines operate independently of branch hours.

Online banking through your bank's website works normally on Veterans Day. You can pay bills, transfer money between accounts, set up automatic payments, and review your transaction history. The same goes for mobile banking apps on your phone or tablet.

Debit and credit card transactions process as usual. If you swipe or tap your card at a store, gas station, or restaurant, the transaction goes through without delay. The holiday does not affect point-of-sale systems.

What you cannot do without a branch

Some tasks require a teller or banker and cannot be done through ATMs or online. These include depositing cash, ordering new checks, getting a cashier's check, explore for a loan, discussing account problems, or accessing a safe deposit box.

If you need any of these services, you will need to wait until your branch reopens on November 12. Plan ahead if you know you will need cash or a cashier's check around Veterans Day.

Phone and online customer service on Veterans Day

Many large banks keep phone lines open on Veterans Day, but staffing is reduced. If you call your bank's customer service number, you may wait longer than usual. Some banks route holiday calls to a central hub rather than your local branch.

Email support through your online banking portal may take longer to answer on Veterans Day as well. If your issue is not urgent, sending an email on November 10 or waiting until November 12 to call will usually get you a faster response.

Credit unions and smaller banks

Credit unions almost always close on Veterans Day, just like large national banks. However, many credit unions are part of shared branching networks, which means you may be able to visit a different credit union branch on the holiday if you need emergency services.

Smaller regional or community banks follow the same federal holiday schedule as large banks. Call your specific branch ahead of time if you are unsure, since some smaller institutions occasionally stay open on certain holidays.

Planning ahead for Veterans Day banking

If you know you will need cash or other in-person services around November 11, visit your branch on November 10. Withdraw extra cash if you think you might need it over the weekend or holiday.

If you need a cashier's check or other document, request it a few days before Veterans Day. Do not wait until November 10 if the bank is busy.

Set up automatic bill payments or online transfers now if you have payments due around the holiday. This way, you do not have to worry about getting to a branch in time.

Frequently Asked Questions

Can I use my ATM on Veterans Day?

Yes. ATMs work 24 hours a day, seven days a week, including Veterans Day. You can withdraw cash, deposit checks (if your ATM has that feature), and transfer money between your accounts.

Will my direct deposit or automatic payments process on Veterans Day?

Yes. Direct deposits and automatic bill payments process on schedule, even though the branch is closed. The holiday does not delay these transactions.

What if I need to speak to someone at my bank on Veterans Day?

Many banks offer phone support on Veterans Day, but wait times are often longer than usual. If your issue is not urgent, calling on November 12 will usually get you a faster response. For emergencies, try calling your bank's main customer service line.

Can I deposit a check at an ATM on Veterans Day?

If your ATM has a check deposit slot, yes. However, the check may not be processed until November 12 because the branch is closed. The deposit will show in your account, but the funds might not be available until the next business day.

Do online banks close on Veterans Day?

Online-only banks do not have physical branches, so there is nothing to close. You can access your account, transfer money, and conduct all normal banking tasks on Veterans Day through their website or app.