Most banks are closed on November 11 when it falls on a weekday
November 11 is Veterans Day, a federal holiday. When it falls on a Monday through Friday, most banks observe it as a closed day. Your bank will not process transactions, and you cannot visit a branch or use teller services. ATMs and online banking typically remain available.
If November 11 falls on a Saturday or Sunday, banks are already closed that day anyway, so the holiday observance does not change your access. Some banks may observe the holiday on the nearest weekday instead — usually Friday if November 11 is a Saturday, or Monday if it is a Sunday — though this varies by institution.
The Federal Reserve, which sets the official holiday schedule for the banking system, recognizes November 11 as a holiday when it falls on a weekday. This means wire transfers, ACH payments, and other interbank transactions do not process on that day, even if your specific bank chose to stay open (which is rare).
Key Takeaways
- Banks close on November 11 when it falls Monday through Friday, and ATMs and online banking usually remain available.
- If November 11 lands on a weekend, your bank is already closed, and the holiday observance does not affect your access.
- Wire transfers and ACH payments do not process on Veterans Day, even if your bank's branch is open.
- Some banks observe the holiday on the nearest weekday if November 11 falls on a Saturday or Sunday, so check your bank's specific schedule.
What you can and cannot do on Veterans Day
ATMs work normally on November 11, so you can withdraw cash, check your balance, and deposit checks at most machines. Online banking portals stay open, and you can view your account, transfer money between your own accounts, and pay bills through your bank's website or app.
You cannot visit a branch, speak to a teller, explore for a loan, or resolve account issues that require a person. Deposits made at ATMs on Veterans Day will post the next business day. Checks deposited through mobile apps follow the same timeline — they clear on the next business day, not when ready.
Payments you send to other people or businesses may be delayed. If you send a wire transfer or ACH payment on November 11, it will not leave your account until November 12 at the earliest, even if you initiate it before midnight. Bill payments scheduled for November 11 may process on November 12 instead, depending on your bank's system.
How to plan ahead if you need banking services
If you need to deposit a check, use an ATM or your bank's mobile app before November 11. Both methods work on the holiday itself, but deposits made on November 11 will not clear until November 12. If you need the money to be available on November 11, deposit it on November 10.
If you need to send a wire transfer or make an urgent payment, do it on November 10. Wire transfers initiated on November 11 will not send until November 12, which can matter if you have a important date. Call your bank on November 10 if you are unsure whether a payment will go through on time.
If you need cash and your usual ATM is out of service, locate another ATM from your bank or a network you belong to (such as Allpoint or MoneyPass) before November 11. ATM outages happen occasionally, and you do not want to discover it on a day when branches are closed.
Which banks observe November 11 and which do not
Nearly all major banks close on Veterans Day: Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC, Capital One, and most regional and community banks all close on November 11 when it falls on a weekday. Credit unions typically close as well, though a small number stay open.
Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so there is no branch closure. However, their customer service phone lines may be closed, and wire transfers and ACH payments still do not process through the Federal Reserve on Veterans Day.
If you bank with a smaller or local institution, check your bank's website or call the main line on November 10 to confirm whether they observe November 11. Some banks post holiday schedules on their homepage or in the mobile app.
When the Federal Reserve is closed versus when your bank is closed
The Federal Reserve closes on November 11, which means the system that moves money between banks does not operate that day. This affects wire transfers, ACH payments, and check clearing — all of these are delayed by one day when initiated on Veterans Day.
Your individual bank may theoretically stay open even when the Federal Reserve is closed, but it cannot process transactions that require the Federal Reserve. A bank that stayed open on November 11 could let you deposit cash or withdraw from your account, but could not send your wire transfer or process a check deposit into the Federal Reserve system.
In practice, banks close on November 11 because there is little point in staying open when the core banking system is shut down. You cannot move money between institutions, and most customers have no reason to visit.
What happens if you need emergency cash on Veterans Day
Use an ATM to withdraw cash on November 11. Most ATMs are available 24/7, including on holidays. If your bank's ATM is out of service or you need more cash than your daily withdrawal limit allows, use an ATM from another bank or a third-party network.
If you need a large amount of cash and your daily ATM limit is too low, withdraw the maximum on November 10 and again on November 11 if your bank allows multiple withdrawals. Some banks reset daily limits at midnight, so you may be able to withdraw again after midnight on November 11.
If you have a genuine emergency and cannot wait until November 12, call your bank's customer service line on November 10 to ask about options. Some banks can temporarily raise your ATM limit or arrange other solutions, but you must request this before the holiday.
Frequently Asked Questions
Can I deposit a check on Veterans Day?
Yes, through an ATM or mobile app. The check will not clear until November 12, so the money will not be available on November 11. If you need the funds on November 11, deposit the check on November 10 instead.
Will my bill payment go through if I schedule it for November 11?
It may be delayed to November 12. Check your bank's website or call on November 10 to ask how it handles bill payments on Veterans Day. Some banks process them on the holiday; others wait until the next business day.
What if I need to speak to someone at my bank on November 11?
You cannot reach a teller or branch staff. Call your bank's customer service line — some banks keep phone support open on holidays, though wait times are usually longer. Check your bank's website to see if phone support is available on November 11.
Do online banks close on Veterans Day?
Online banks do not have branches, so there is no branch closure. However, customer service lines may be closed, and wire transfers and ACH payments still do not process through the Federal Reserve on November 11.
If November 11 is a Saturday, do banks close on Friday instead?
Some banks do; others do not. Check your specific bank's holiday schedule on their website or call on November 10. The Federal Reserve observes the holiday on the nearest weekday, but individual banks may have different policies.