Most banks are closed on Veterans Day, but the date matters
Veterans Day falls on November 11 each year. In 2025, that is a Tuesday. Most banks observe Veterans Day as a federal holiday and will be closed that day. However, some banks stay open on the actual date while others close on the observed date if November 11 falls on a weekend — so the specific day your bank closes depends on when they choose to observe it and what day of the week November 11 lands on.
The safest approach is to check your own bank's holiday schedule before you need to visit. You can find this on their website, in their mobile app, or by calling the branch directly. Many banks post their full-year holiday closures online, and a quick search for your bank's name plus "Veterans Day hours" will usually get you the answer in seconds.
Key Takeaways
- Veterans Day 2025 is Tuesday, November 11, and most banks close on this date.
- Some banks may observe the holiday on a different day if November 11 falls on a weekend, so check your bank's specific schedule.
- Your bank's website, app, or a phone call to your branch will show you their exact closure dates.
- ATMs and online banking typically remain available even when physical branches are closed.
- Withdraw cash before the holiday if you think you will need it, since teller services will not be available.
What stays open when your branch closes
Even if your bank's physical branch is closed on Veterans Day, you can still access your money through an ATM. ATMs run 24 hours a day, 7 days a week at most banks, regardless of branch hours or holidays. This means you can withdraw cash, check your balance, and transfer money between your own accounts at any time.
Online banking also remains available. You can check your balance, transfer money between your own accounts, pay bills, and deposit checks using mobile deposit — all without visiting a branch. If you need to do something that requires a teller, such as opening a new account, getting a cashier's check, or discussing a loan, you will have to wait until the branch reopens.
Planning ahead for banking needs
If you know you need to visit your bank on or around Veterans Day, plan your visit for the day before. This gives you time to handle deposits, withdrawals, account changes, or any other service that requires speaking to a teller. Monday, November 10 is the last business day before the holiday, so that is your best opportunity.
If you use a bank that has multiple branches, check whether all of them close on Veterans Day or if some locations stay open. Larger banks sometimes keep certain branches open in high-traffic areas even when most locations close. A quick call to your nearest branch can tell you whether that location will be staffed.
How to find your bank's Veterans Day hours
The quickest way to confirm whether your bank is closed is to search "[Your Bank Name] Veterans Day hours" or "[Your Bank Name] holiday schedule 2025." Most major banks publish this information prominently on their websites, usually in a section labeled "Hours" or "Holiday Hours."
You can also call your branch directly and ask. The phone number is usually on your debit card, your bank statements, or the bank's website. If you call and get an automated message, it often tells you the branch's current hours and upcoming closures. Some banks also list their holiday schedule in their mobile app under settings or branch information.
Banks that may have different schedules
Credit unions sometimes follow different holiday schedules than traditional banks. Some credit unions observe Veterans Day, while others do not. If you bank at a credit union, check their specific holiday calendar on their website or by calling your local branch.
Online-only banks (banks with no physical branches) do not have branch closures, but they may still process transactions more slowly on federal holidays. Check your bank's website to see how they handle Veterans Day transactions. Some online banks process deposits and transfers normally on holidays, while others may experience delays.
What to do if you need cash over the holiday
Withdraw cash before Veterans Day if you think you will need it. ATMs are available around the clock, but if you prefer to withdraw from a teller or need a large amount, visit your branch on Monday, November 10. This is especially important if you plan to make purchases or pay for services during the holiday period.
If you are traveling or away from your regular branch, most banks let you withdraw cash at any ATM in their network for free. Some banks also participate in shared ATM networks that let you use ATMs from other banks without a fee — ask your bank which networks they belong to. This can be helpful if you are in an area where your bank does not have branches.
Frequently Asked Questions
Can I deposit a check on Veterans Day if the branch is closed?
You can deposit checks using mobile deposit through your bank's app, even if the branch is closed. Take a photo of the front and back of the check and submit it through the app. The check will be processed when the bank reopens, usually the next business day.
Will my bill payments go through if I schedule them for Veterans Day?
Most bill payments scheduled for Veterans Day will process normally if you set them up through online banking. However, payments sent by mail may be delayed. Check with your bank or the company you are paying to understand their specific holiday processing.
What if I need to speak to someone at my bank on Veterans Day?
If your branch is closed, you can call your bank's customer service line. Most banks have a phone number on the back of your debit card that connects you to representatives who can help with account questions, even on holidays.
Are wire transfers available on Veterans Day?
Wire transfers initiated through online banking may be delayed if Veterans Day is a federal holiday. If you need to send money urgently, initiate the transfer before the holiday. Ask your bank how they handle wire transfers on federal holidays.