Most banks are closed on Veterans Day, but the answer depends on which bank you use and whether you need a branch or an ATM

Veterans Day falls on November 11 each year. On that date, most major U.S. banks — including Bank of America, Chase, Wells Fargo, Citibank, and U.S. Bank — close their physical branches because it is a federal holiday. However, ATMs and online banking remain available 24/7, so you can withdraw cash, check balances, and move money between your own accounts without visiting a branch.

Some smaller regional banks and credit unions may have different schedules. A few stay open on federal holidays, and some open for limited hours in the afternoon. The only way to know for certain is to check your specific bank's website or call the branch directly — most banks publish their holiday hours online by early November.

If you need to deposit a check or speak to a teller on Veterans Day itself, you will have to wait until the next business day. Any deposits made through an ATM or mobile app will be processed the next morning.

Key Takeaways

  • Major national banks close all branches on Veterans Day, though ATMs and online banking work normally.
  • Credit unions and regional banks may stay open or have reduced hours, so check your bank's website for the specific date.
  • Checks deposited through ATMs or mobile apps on Veterans Day will process the next business day.
  • Wire transfers and bill payments made online on Veterans Day typically process the next business day as well.
  • If you need a teller service, plan ahead and visit your branch on the day before or after the holiday.

How to find your bank's Veterans Day hours

The fastest way is to search "[Your Bank Name] Veterans Day hours" or go directly to your bank's website and look for a holiday hours page. Most banks post this information in October or early November. You can also call your local branch — the phone number is usually on your debit card or in your online banking portal.

If you use a credit union, check the credit union's website the same way. Credit unions are not required to follow the same federal holiday schedule as banks, so some remain open on Veterans Day while others close.

What you can still do on Veterans Day without a branch

ATMs work around the clock on federal holidays. You can withdraw cash, deposit checks through a mobile deposit feature (if your bank offers it), and check your balance. Mobile deposit — where you photograph a check through your bank's app — is available on Veterans Day and processes the next business day.

Online banking, bill pay, and money transfers between your own accounts all work normally on Veterans Day. If you need to send money to someone else, you can set up a wire transfer or use your bank's person-to-person payment service, though the transfer may not arrive until the next business day depending on the receiving bank's schedule.

When deposits and transfers actually post after Veterans Day

Any check you deposit through an ATM or mobile app on Veterans Day will be processed the next business day, which is November 12. Wire transfers initiated on Veterans Day typically arrive the next business day as well, but some banks process them the day after that depending on the receiving institution.

If you need money to arrive by a specific date, do not wait until Veterans Day to deposit or transfer it. The safest approach is to complete the transaction the day before the holiday.

Planning ahead if you need banking services

If you know you will need to visit a branch — to deposit cash, get a cashier's check, or speak to someone about a loan or account issue — plan to go on November 10 or November 12. Many people wait until the last minute on the day before a holiday, so branches can be busy in the afternoon.

If you need a cashier's check or money order on Veterans Day itself, you will not be able to get one from a bank branch. Some grocery stores and pharmacies sell money orders, but they do not issue cashier's checks. Plan accordingly if you have a payment due around that date.

Frequently Asked Questions

Can I use my ATM on Veterans Day?

Yes. ATMs work 24/7 on federal holidays, including Veterans Day. You can withdraw cash, check your balance, and deposit checks through mobile deposit if your bank offers it.

Will my bill payment go through if I schedule it for Veterans Day?

If you schedule a bill payment online for Veterans Day, it will typically process the next business day. Some billers may receive it a day later depending on their own processing schedule. To be safe, schedule payments for the day before or after the holiday.

Do credit unions close on Veterans Day?

Some credit unions close on Veterans Day, and some stay open with reduced hours. Check your credit union's website or call the branch directly — their holiday schedule may differ from banks.

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

If your bank's ATM is out of service, you can visit an ATM from another bank or network. Most banks allow you to withdraw from other banks' ATMs, though you may pay a fee. Alternatively, some grocery stores and pharmacies offer cash back with a debit card purchase.

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

Yes, if your bank offers mobile deposit. Photograph the front and back of the check through your bank's app, and it will be processed the next business day. This works on Veterans Day just like any other day.