Most banks are closed on November 11 if it falls on a weekday
November 11 is Veterans Day, a federal holiday. When it lands on a Monday through Friday, most banks observe it as a closed day. Your bank will not process transactions, and ATMs will still work but you cannot speak to a teller or access services that require a person.
If November 11 falls on a Saturday or Sunday, banks are already closed those days, so the holiday does not change your schedule. Some banks observe the holiday on the nearest weekday if November 11 lands on a weekend — usually the Friday before or Monday after — but this varies by institution.
The safest approach is to check your specific bank's website or call their main line the day before to confirm. Large national banks like Bank of America, Chase, Wells Fargo, and Citibank all close on Veterans Day when it is a weekday, but regional and community banks sometimes have different policies.
Key Takeaways
- Veterans Day (November 11) is a federal holiday, and most banks close when it falls on a weekday.
- ATMs remain available on Veterans Day, but you cannot reach a teller or complete services that require staff.
- If November 11 lands on a Saturday or Sunday, your bank is already closed those days and may observe the holiday on the nearest weekday instead.
- Check your bank's website or call ahead the day before to confirm their specific Veterans Day hours, especially if you use a smaller regional bank.
What you can and cannot do on Veterans Day
ATMs, online banking, and mobile apps work normally on Veterans Day. You can withdraw cash, check balances, transfer money between your own accounts, and pay bills through your bank's digital channels without interruption.
You cannot visit a branch, speak to a teller, open a new account, get a cashier's check, explore for a loan, or resolve account issues that require a person. If you need to deposit a check, you can use a mobile deposit feature through your bank's app if it offers one, or wait until the branch reopens.
Wire transfers and ACH transfers initiated through your online banking may process, but the timing depends on your bank's system. Some banks process these overnight; others wait until the next business day. Check your bank's website for specifics on how they handle transfers during holidays.
Planning ahead if you need banking services
If you know you will need to visit a branch or speak to someone on or around November 11, plan for the closure. Complete deposits, withdrawals, account changes, or loan applications on November 10 or earlier in the week.
If you need cash and November 11 is a weekday, withdraw what you need on November 10. ATMs will dispense cash on the holiday, but if you run short and the bank is closed, you will have limited options until November 12.
For time-sensitive matters like disputing a transaction or reporting fraud, call your bank's fraud line. Most banks staff these lines 24/7, even on holidays, because fraud does not wait for business hours.
Weekend and holiday overlap
If November 11 falls on a Saturday, your bank is closed anyway. Some banks will observe the holiday on Friday, November 10, meaning that Friday may have reduced hours or be fully closed. Others observe it on Monday, November 13. Call or check online to know which day your bank treats as the holiday.
The same applies if November 11 lands on a Sunday. Your bank will be closed Sunday regardless, and may close on the Friday before or Monday after to honor the holiday. This varies widely, so do not assume.
What to do if you need money on Veterans Day
Use an ATM at your bank or a network ATM (such as Allpoint or MoneyPass) to withdraw cash. Most ATMs are available 24/7, even when the branch is closed. If you use a different bank's ATM, you may be charged a fee — usually $2 to $3 — depending on your account and the ATM network.
If you do not have enough cash and the bank is closed, consider asking a friend or family member for a loan, or using a payment app like Venmo or PayPal if the person you owe money to accepts it. These apps move money when ready if both parties have accounts set up.
If you need a cashier's check or money order, some grocery stores, pharmacies, and post offices sell money orders on holidays. This is not the same as a cashier's check, but it may work for your purpose.
Frequently Asked Questions
Will my direct deposit go through on Veterans Day?
Direct deposits typically process on schedule, even on federal holidays, because they are automated. Your employer's payroll system sends the deposit overnight, and it lands in your account on the normal day. If your payday falls on November 11, the deposit should arrive as usual.
Can I use my debit card on Veterans Day?
Yes. Your debit card works at stores, restaurants, and online merchants on Veterans Day because those transactions do not require your bank branch to be open. The transaction processes through the card network and your account is debited normally.
What if I need to report fraud on Veterans Day?
Call your bank's fraud line when ready. Most banks staff these lines 24/7, including holidays. Have your card and account number ready, and be prepared to describe the unauthorized transaction. Your bank can freeze your card and begin an investigation without waiting for the branch to reopen.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day when it falls on a weekday, following the same federal holiday schedule as banks. However, some credit unions have different policies. Check your credit union's website or call their main number to confirm their Veterans Day hours.
Can I pay my bills online if the bank is closed?
Yes. Online bill pay through your bank's website or app works on Veterans Day because it is automated. The payment is scheduled and processes according to the date you set, regardless of whether the branch is open. The receiving organization may not process it until the next business day, but your bank will send it on time.