Most banks are closed on Veterans Day, but the answer depends on which bank you use and whether you need cash or online access

Veterans Day falls on November 11 each year. On that date, most national banks — including Bank of America, Chase, Wells Fargo, Citibank, and US Bank — close their physical branches because it is a federal holiday. Credit unions often close too, though some remain open. Online banking, ATMs, and mobile apps continue to work around the clock, so you can transfer money, check balances, and pay bills without visiting a branch.

If you need cash or in-person service on Veterans Day, your options narrow. Some regional banks and community banks stay open, and a small number of branches in major cities may operate limited hours. The only way to know for certain is to call your specific branch or check your bank's website the day before — most banks publish their Veterans Day hours by early November.

If you need money on Veterans Day itself and your bank is closed, ATMs are your fastest option. You can withdraw cash 24/7 from your bank's ATM network or from ATMs at other banks (though you may pay a fee). If you need a cashier's check, a wire transfer, or other services that require a teller, you will have to wait until the next business day.

Key Takeaways

  • National banks close their branches on Veterans Day, but ATMs and online banking remain available around the clock.
  • Credit unions typically close on Veterans Day, though a few may stay open — call ahead to confirm.
  • Some community banks and regional banks operate on Veterans Day or keep limited hours, so check your bank's website or call your branch directly.
  • If you need cash on Veterans Day, use an ATM; if you need a teller service, plan ahead or wait until November 12.

Which banks close and which stay open on Veterans Day

The major national banks — Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC, and TD Bank — all close their branches on Veterans Day. This is a standard federal holiday closure. However, some banks operate differently depending on the region or the individual branch.

Community banks and regional banks vary widely. Some close on all federal holidays; others stay open or keep limited hours. If you bank with a smaller or local institution, do not assume it is closed. Call your branch or visit the bank's website to check Veterans Day hours.

Credit unions typically close on Veterans Day as well, but not all of them. Some larger credit unions may keep a few branches open or offer limited service. If you are a credit union member, contact your credit union directly — their holiday schedule may differ from the national banks.

How to access your money on Veterans Day

If your bank is closed and you need cash, your ATM is open. You can withdraw money from your bank's ATM network at any time, day or night. If you do not have access to your bank's ATM, you can use an ATM from another bank, though you will typically pay a fee of $2 to $3 per transaction.

Online banking and mobile apps work on Veterans Day just like any other day. You can transfer money between accounts, pay bills, deposit checks using mobile deposit, and check your balance without stepping into a branch. If you need to send money to someone else, you can use your bank's online transfer service or a third-party app like Venmo or PayPal.

If you need a service that requires a teller — such as a cashier's check, a wire transfer, or a large cash withdrawal — you will have to wait until November 12. Plan ahead if you know you will need one of these services around Veterans Day.

Planning ahead for Veterans Day banking needs

If you know you will need cash or in-person banking services around Veterans Day, withdraw money a day or two before the holiday. This is the simplest way to avoid ATM fees and may support you have what you need.

If you need a cashier's check or wire transfer, request it before November 10. Most banks can prepare these services in advance, and you can pick them up or have them sent before the holiday.

Check your bank's website or call your branch in early November to confirm their Veterans Day hours. Banks post holiday schedules weeks in advance, and knowing your bank's specific plan removes the guesswork.

What happens if you need emergency cash on Veterans Day

If you have an unexpected need for cash on Veterans Day and your bank is closed, ATMs are your first option. Most ATMs are available 24/7, regardless of whether the branch is open. You can withdraw up to your daily limit (typically $500 to $1,000, depending on your bank and account type).

If you need more cash than your ATM limit allows, or if you need a service only a teller can provide, you have limited options on the holiday itself. Some grocery stores and retailers offer cash back with a debit card purchase, which does not count against your ATM limit. This can be a workaround if you need additional cash.

If the need is truly urgent and cannot wait until November 12, contact your bank's customer service line. Many banks maintain a phone line on federal holidays for account holders with urgent issues, though they cannot process all services over the phone.

Frequently Asked Questions

Can I use my debit card on Veterans Day if the bank is closed?

Yes. Your debit card works at ATMs and in stores on Veterans Day, regardless of whether your bank's branch is open. You can withdraw cash from an ATM or use your card to make purchases and get cash back at a store.

Will my direct deposit go through on Veterans Day?

Direct deposits typically post on the scheduled day, even if it falls on a federal holiday. However, if your deposit is scheduled for Veterans Day and the bank is closed, it may post on November 12 instead. Check with your employer or the organization sending the deposit if you are unsure of the exact timing.

Do credit unions close on Veterans Day?

Most credit unions close on Veterans Day, but not all. Some larger credit unions stay open or keep limited hours. Contact your credit union directly to confirm whether it will be open on November 11.

Can I deposit a check on Veterans Day if the bank is closed?

If your bank offers mobile deposit through its app, you can deposit a check anytime, including Veterans Day. The check will be processed when the bank reopens on November 12. If you do not have mobile deposit, you will have to wait until the branch opens.

What if I need a wire transfer on Veterans Day?

Wire transfers require a teller and cannot be done online or through an ATM. If you need a wire transfer on Veterans Day, you will have to wait until November 12. Plan ahead if you know you will need one around the holiday.