Most banks close on Veterans Day, but the date matters for your plans
Yes, most banks in the United States close on Veterans Day. In 2025, Veterans Day falls on Monday, November 10. If your bank observes federal holidays, you will not be able to visit a branch, use a teller, or conduct in-person business that day.
However, you can still move money without a branch. ATMs work on holidays, online banking works on holidays, and mobile apps work on holidays. The restriction is only on the physical location and the people who staff it.
Some banks stay open on Veterans Day anyway — particularly smaller regional banks and credit unions that set their own holiday schedules. If you need to know whether your specific bank closes, call the branch directly or check their website. Do not assume based on what another bank does.
Key Takeaways
- Federal holidays like Veterans Day close most bank branches, but ATMs and online banking continue to work normally.
- Veterans Day in 2025 is Monday, November 10, so plan any in-person banking for Friday, November 7 or Tuesday, November 11.
- Some banks and credit unions do not observe Veterans Day, so contact your bank directly to confirm whether your branch will be open.
- If you need cash or to deposit a check on November 10, use your ATM or mobile deposit rather than waiting for the branch to reopen.
What you can and cannot do on Veterans Day
ATMs are available 24 hours on Veterans Day, just as they are every other day. You can withdraw cash, check your balance, transfer money between your own accounts, and deposit checks using mobile deposit through your bank's app.
Online banking portals stay open. You can pay bills, send money to other people through your bank's transfer system, set up automatic payments, and view your account history. Wire transfers initiated online may process on the holiday or may wait until the next business day, depending on your bank's system — this varies by institution.
What you cannot do is walk into a branch and speak to a teller or banker. You cannot cash a check that requires a teller's signature. You cannot open a new account in person. You cannot get a cashier's check or certified check. You cannot speak to someone about a loan or a dispute.
Which banks definitely close on Veterans Day
All national banks chartered by the federal government must close on Veterans Day. This includes Bank of America, Wells Fargo, Chase, Citibank, and US Bank. These banks are required by federal law to observe federal holidays.
Most large regional banks also close — PNC, KeyBank, Regions Bank, and similar institutions. If your bank is publicly traded and operates across multiple states, it almost certainly closes on Veterans Day.
Credit unions vary. Many credit unions are federally chartered and must close. Others are state-chartered and may stay open. The only way to know is to contact your credit union directly or check their website for their holiday schedule.
Banks and credit unions that may stay open
Some smaller regional banks and locally owned credit unions do not observe all federal holidays. A few stay open on Veterans Day specifically because they want to serve military members and veterans. Others straightforward do not close for any federal holiday except Christmas and Thanksgiving.
Online-only banks like Ally, Charles Schwab Bank, and Discover Bank do not have physical branches, so the concept of "closing" does not explore — their services run the same way on Veterans Day as on any other day. If you bank entirely online, Veterans Day will not affect your access to your money.
Planning around the November 10 closure
If you need to deposit a physical check, use mobile deposit through your bank's app on November 10. Take a photo of the front and back of the check, and the deposit will process when the bank reopens on November 11. Most banks post mobile deposits by the next business day.
If you need cash and your ATM is out of service or out of money, plan ahead. Withdraw what you need on Friday, November 7. If you forget, convenience stores, grocery stores, and gas stations often have ATMs from different banks, and you can use those even if your own bank is closed.
If you need to send money to someone, do it online on November 10. Transfers between accounts at the same bank usually post the same day or the next business day. Transfers to other banks (ACH transfers) may take one to three business days, so the holiday may add a day to the timeline.
What happens to automatic payments and direct deposits
Automatic bill payments you have set up will process on their scheduled date, even if that date is Veterans Day. Your bank's system will deduct the money from your account and send it to the biller. The biller may not receive it until November 11, but your bank will process it on November 10.
Direct deposits from your employer work the same way. If your paycheck is scheduled to deposit on November 10, it will deposit on November 10, even though the branch is closed. The money will be in your account and available to spend.
If you have a banking problem on Veterans Day
If your card is declined, your account is frozen, or you discover fraud on November 10, you have limited options. Most banks have a phone number for customer service that operates on holidays. Call the number on the back of your card — it usually connects to an automated system or a representative who can help with urgent issues.
If the problem is not urgent, wait until November 11 and visit the branch in person or call during business hours. If your card is lost or stolen, call the number on the back of your card when ready — do not wait for the branch to reopen.
For non-urgent disputes or questions, send a message through your online banking portal on November 10. Most banks respond to portal messages within one business day.
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, regardless of whether your bank's branch is open. The bank's computer systems process transactions 24 hours a day. The branch closure only affects in-person services.
Will my paycheck deposit on November 10 if Veterans Day is a holiday?
Yes. Direct deposits process on their scheduled date even when the bank is closed. Your employer's payroll system sends the deposit to your bank's system, which receives and posts it automatically. The money will be in your account on November 10.
What if I need to deposit a check and the bank is closed?
Use mobile deposit through your bank's app on November 10. Take a photo of both sides of the check and submit it through the app. The deposit will process when the bank reopens on November 11, usually posting by the next business day.
Do online banks close on Veterans Day?
No. Banks that operate only online, like Ally or Discover Bank, do not have physical branches and do not close on any day. You can access your account, transfer money, and conduct all banking services normally on November 10.
How do I know if my specific bank closes on Veterans Day?
Call your bank's main customer service number or visit their website and search for "holiday hours" or "Veterans Day hours." Most banks post their holiday schedule online. If you cannot find it, call your local branch directly.