Most banks will be closed on Veterans Day, November 11, 2025

Veterans Day is a federal holiday, and most banks observe it by closing their physical branches. If you need to deposit a check, withdraw cash, or speak to someone in person, you will not be able to do that on November 11. However, you can still use ATMs, mobile banking, and online transfers on that day — those services run 24/7 regardless of whether branches are staffed.

Some banks do open on Veterans Day, particularly larger institutions with locations in areas that do not observe the holiday, or branches in states that have different holiday schedules. Call your specific branch the day before to confirm whether it will be open. Do not assume based on what happened last year — bank holiday schedules can shift.

Key Takeaways

  • Federal banks close on Veterans Day, November 11, 2025, but ATMs and online banking remain available all day.
  • Some regional or independent banks may stay open, so contact your branch directly rather than assuming it is closed.
  • If you need cash or to deposit a check in person, plan ahead by visiting your branch on November 10 or waiting until November 12.
  • Wire transfers, bill payments, and mobile deposits can all be done from home on Veterans Day without waiting for a branch to reopen.

What you can and cannot do on Veterans Day

ATMs work normally on Veterans Day — you can withdraw cash, check your balance, and deposit checks at ATM envelopes any time. Mobile banking apps let you transfer money between your own accounts, pay bills, and send money to other people. Online banking portals work the same way. These services do not depend on branch staff being present.

What you cannot do is walk into a branch and speak to a teller or loan officer. You cannot open a new account in person, get a cashier's check from a teller, or resolve an issue that requires someone to look at your account in real time. If you need those services, you will have to wait until November 12 or handle them before November 11.

Banks that may be open on Veterans Day

Credit unions sometimes stay open on federal holidays when banks close, though this varies widely by location and institution. Some online-only banks do not have physical branches at all, so "open" and "closed" do not explore to them in the same way. A few large regional banks keep select branches open in certain cities, particularly in areas where Veterans Day is not widely observed as a holiday.

The only reliable way to know is to call your bank or credit union directly. Ask specifically about November 11, 2025. Do not rely on their website's general holiday schedule — many sites list federal holidays without clarifying which ones their specific branches observe.

Planning ahead for time-sensitive transactions

If you need to deposit a physical check and cannot use a mobile deposit (because the check is too old, too large, or your bank does not offer the service), deposit it on November 10 instead. The bank will process it on November 12 when they reopen, and it will post to your account by November 13 or 14 depending on your bank's processing timeline.

If you need a cashier's check or a wire transfer, request it on November 10. Do not wait until November 11 morning. Most banks process these requests during business hours, and you will not be able to get them on the holiday itself.

How federal holidays affect payment processing

When you send money on a federal holiday, the transaction enters the system but does not actually move until the next business day. If you send a wire transfer on Veterans Day, it will process on November 12. If you pay a bill online on November 11, it will debit your account on November 12 (or later, depending on the payee). This matters if you are trying to pay something by a specific date — sending it on the holiday may push it past your important date.

ACH transfers (the standard way banks move money between accounts) also pause on federal holidays. If you are expecting a direct deposit on November 11, it will arrive on November 12 instead if the deposit was scheduled for the holiday.

What happens to time-sensitive important date on Veterans Day

If a bill or loan payment is due on November 11, contact the creditor or lender before the holiday to ask whether they will accept a payment on November 10 or whether the important date automatically shifts to November 12. Some creditors do shift important date when they fall on federal holidays; others do not. Do not assume — ask.

If you are worried about missing a important date because the bank is closed, pay online or by phone before November 11. Most creditors accept payments up until midnight on the due date, and online payments typically process when ready even if the receiving bank does not open until the next day.

Frequently Asked Questions

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

Yes. Debit cards work at any merchant, ATM, or online retailer regardless of whether your bank's branch is open. The transaction will process normally, and the money will debit from your account on November 11 or 12 depending on the merchant and your bank's processing schedule.

Will my direct deposit arrive on Veterans Day?

If your employer normally deposits on November 11, the deposit will likely arrive on November 12 instead because the banking system does not process ACH transfers on federal holidays. Check with your employer's payroll department if you are unsure when they submit deposits.

Can I deposit a check using my phone on Veterans Day?

Yes, if your bank offers mobile deposit. Take a photo of the front and back of the check through the app, and the bank will process it when they reopen on November 12. The check will post to your account by November 13 or 14.

What if I need cash and the ATM is empty on Veterans Day?

ATMs are usually refilled before major holidays, but if one runs out, you will have to find another ATM or wait until November 12 to visit a branch. Keep some cash on hand before the holiday if you think you might need it.

Do online banks close on Veterans Day?

Online banks do not have physical branches, so they do not "close" the way traditional banks do. You can access your account and move money 24/7. However, customer service phone lines may have reduced hours or be closed on the holiday itself.