Yes, Veterans Day is a federal bank holiday in 2025

Veterans Day falls on November 11 every year, and in 2025 that is a Tuesday. Because it is a federal holiday, most banks will be closed on that day. Your bank's branches will not be open for in-person transactions, and you will not be able to visit an ATM inside a bank building — though ATMs in other locations (grocery stores, gas stations, malls) usually stay open.

If November 11 lands on a weekend, the federal government observes the holiday on the nearest weekday instead. Since 2025 falls on a Tuesday, there is no shift, and the closure happens on the actual date.

Some banks may have different rules for online banking, mobile apps, or phone services on Veterans Day. Most allow you to check balances, transfer money between your own accounts, and pay bills through these channels even when branches are closed. If you need to deposit a check or withdraw cash, you will need to wait until the next business day or use an ATM outside the bank building.

Key Takeaways

  • Most bank branches close on Veterans Day (November 11, 2025), but online banking and ATMs outside bank buildings usually remain open.
  • You can still transfer money, check balances, and pay bills through your bank's app or website on the holiday.
  • If you need cash or want to deposit a check in person, plan to do that on November 10 or November 12.
  • Call your bank or check their website before the holiday to confirm their specific hours and which services stay available.

Planning ahead for Veterans Day closures

If you know you will need cash or need to deposit a check, withdraw money on November 10 (Monday). This gives you time to get what you need before the branch closes for the holiday.

If you have bills due around November 11, set up the payment a few days early through your bank's online system or your biller's website. Most payments take one to two business days to process anyway, so paying on November 10 will still reach the right place on time.

If you use a credit union instead of a bank, check whether it observes Veterans Day. Most do, but some smaller credit unions may have different holiday schedules. A quick phone call to your credit union will confirm.

What stays open on Veterans Day

ATMs that are not inside a bank building — the ones in grocery stores, gas stations, pharmacies, and shopping malls — typically stay open 24 hours, including Veterans Day. You can withdraw cash from these machines even when the bank itself is closed.

Online banking through your bank's website or mobile app usually works the same way on Veterans Day as any other day. You can log in, check your balance, transfer money between your own accounts, and set up bill payments. Some banks may experience slower processing times during holidays, but the service itself does not shut down.

If you need to speak to someone at your bank on Veterans Day, most banks do not have phone support available. Wait until November 12 (Wednesday) to call, or use the chat feature on your bank's website if it offers one.

How to find your bank's specific holiday schedule

The safest way to know exactly what will be open is to check your bank's website or call the branch you plan to visit. Search for "holiday hours" on their site, or look for a phone number to call. Most banks post their Veterans Day hours at least a week in advance.

If you bank with a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, you can assume the main branches will be closed on November 11. Smaller regional banks and credit unions vary more, so checking ahead is worth the two minutes it takes.

What to do if you need banking services on Veterans Day

If you absolutely need cash on November 11, use an ATM outside a bank building. Most of these machines work with any bank's debit card, though you may pay a small fee if the ATM is not part of your bank's network.

If you need to deposit a check, you have a few options. Some banks let you photograph the check with your phone and deposit it through the mobile app — this works on holidays. If your bank does not offer mobile check deposit, you will need to wait until November 12.

If you have an urgent banking problem that cannot wait, some banks have customer service phone lines that stay open on holidays, though staffing is usually limited. Check your bank's website for a holiday support number before November 11.

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, store, or online merchant on Veterans Day, even though the bank branch is closed. The bank's computer systems stay running; only the physical locations shut down.

Will my paycheck deposit be delayed if my employer deposits it on Veterans Day?

Most employers deposit paychecks the day before a holiday to avoid delays. If a deposit does happen on Veterans Day itself, it will usually post to your account by the next business day (November 12). Check with your employer about their deposit schedule if you are unsure.

Do I need to do anything special to prepare for the bank closure?

Only if you know you will need cash or need to deposit a check in person. Withdraw cash on November 10, or use an ATM outside the bank building on November 11. For check deposits, use mobile deposit through your app if available, or wait until November 12.

What if I have a wire transfer I need to send on Veterans Day?

Wire transfers sent through online banking on Veterans Day may not process until November 12, since the banking system itself is closed. If the transfer is time-sensitive, send it on November 10 instead. Call your bank if you need to know the exact timing for your situation.