Most banks close on Veterans Day, but some branches stay open
Veterans Day falls on November 11 each year. If today is November 11 and it falls on a weekday, most major banks—including Bank of America, Chase, Wells Fargo, and Citibank—will be closed. Their branches will not open, and you cannot withdraw cash or visit a teller.
However, the situation is more complicated than a straightforward yes or no. Some banks operate limited hours on Veterans Day, some credit unions stay open, and online banking continues to work. The answer depends on which bank you use and whether you need in-person services or can handle your transaction online. If today is a Saturday or Sunday, your bank is already closed for the weekend regardless of the holiday.
Key Takeaways
- Federal banks close on Veterans Day when it falls on a weekday, but credit unions and smaller regional banks may have different schedules.
- You can still use ATMs, online banking, and mobile apps on Veterans Day even when branches are closed.
- If today is November 11 and falls on a Saturday or Sunday, banks are already closed for the weekend, so Veterans Day closure does not change your access.
- Call your specific bank's customer service line or check their website to confirm whether your local branch is open today.
Which banks are definitely closed today
The largest U.S. banks treat Veterans Day as a federal holiday and close all branches on November 11 when it falls on a weekday. This includes Chase, Bank of America, Wells Fargo, Citibank, U.S. Bank, and PNC Bank. Their main customer service lines may also have reduced staffing, though some maintain a holiday line for emergencies.
If you need to deposit a check, withdraw cash, or speak to a loan officer in person, you will need to wait until the next business day. However, ATMs remain operational—you can withdraw cash and check your balance even when the branch is closed. Wire transfers and other electronic transactions continue to process through the bank's systems.
What still works on Veterans Day
Online banking, mobile apps, and ATMs operate normally on Veterans Day. You can transfer money between your own accounts, pay bills online, deposit checks through mobile check deposit, and check your balance at any time. Wire transfers initiated online may process the next business day, but the system itself does not stop.
If you use a bank that operates 24/7 customer service (many do), you can call to report fraud, ask questions about your account, or handle urgent matters. The wait time may be longer than usual because fewer staff are working, but the line is staffed. Debit cards and credit cards work normally at merchants and ATMs regardless of branch status.
Credit unions and smaller banks may have different hours
Credit unions do not always follow the same holiday schedule as major banks. Some close on Veterans Day, but others remain open with regular or reduced hours. If you bank at a credit union, check their website or call ahead to confirm whether your branch is open today.
Regional and community banks vary widely. Some treat Veterans Day as a full closure, others open for a few hours in the morning, and some stay open all day. Your best move is to contact your bank directly rather than assume. Many smaller banks post their holiday hours on their homepage or in their branch locator tool.
How to learn about your bank is open right now
Call your bank's main customer service number—this is faster than searching online. Tell them your location or branch, and they will tell you whether it is open today and what hours it keeps. Most banks list this information on their website under "branch locator" or "hours," which you can filter by location.
If you are in a hurry and cannot reach anyone, try visiting an ATM or logging into your online account. If the ATM works and your online banking loads, you know the bank's systems are running. For in-person services, assume the branch is closed unless you have confirmed otherwise.
What to do if you need cash or a service today
If today is Veterans Day and you need cash, use an ATM. Most banks allow unlimited free withdrawals from their own ATMs, and many participate in shared networks that charge a small fee (usually $2 to $3) for out-of-network use. ATMs are available 24/7 even when branches are closed.
If you need a service that requires a teller—such as a cashier's check, a large cash withdrawal, or account changes—you will have to return tomorrow or the next business day. If the matter is truly urgent (fraud, a frozen account, a dispute), call the customer service line and explain the situation. They may be able to help or escalate you to someone who can.
Veterans Day closures in future years
Veterans Day is always November 11. When November 11 falls on a Saturday, federal offices and most banks observe the holiday on Friday, November 10. When it falls on a Sunday, the observed holiday is Monday, November 12. Check your bank's holiday calendar if you are planning ahead, because some banks follow federal holidays exactly while others use their own schedule.
Knowing the observed date matters if you are expecting a paycheck, planning a large withdrawal, or need to complete a time-sensitive transaction. Your bank's website usually lists the full year's holiday schedule under customer service or branch information.
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 systems continue to process transactions even when physical locations are closed.
Will my direct deposit go through on Veterans Day?
Direct deposits scheduled for Veterans Day may arrive on that day or the next business day, depending on your employer's payroll system and your bank's processing schedule. Most arrive on time, but some employers delay payroll when a holiday falls mid-week. Contact your payroll department if you are unsure.
What if I need to dispute a charge on Veterans Day?
Call your bank's customer service line. Even though branches are closed, the fraud and dispute department usually operates on holidays. Have your card and transaction details ready, and they will start the dispute process when ready.
Are online banks like Ally or Charles Schwab closed on Veterans Day?
Online-only banks do not have physical branches, so there is no "closed" in the traditional sense. Their systems run 24/7. However, customer service phone lines may have reduced staffing or longer wait times on the holiday.