Most banks are closed on Veterans Day, but some branches may be open

Veterans Day falls on November 11 each year. On that date, most banks observe the federal holiday and close their branches for the day. However, the answer depends on which bank you use and whether you need in-person services or can use ATMs and online banking instead.

If tomorrow is November 11, your bank is very likely closed. If tomorrow is the Monday after November 11 falls on a weekend, your bank may be closed on that Monday instead — federal holidays observed on the nearest weekday follow this rule. Check your specific bank's website or call the branch directly to confirm, because a small number of banks stay open on federal holidays or have limited hours.

Key Takeaways

  • Most bank branches close on November 11 (Veterans Day) and on the observed date if November 11 falls on a weekend.
  • ATMs and online banking work on Veterans Day even when branches are closed, so you can withdraw cash and transfer money without visiting a branch.
  • Call your bank's customer service line or check their website to confirm your specific branch's hours before you go.
  • If you need cash or services tomorrow and your bank is closed, look for ATMs, other banks' branches, or credit unions in your area.

When banks close for Veterans Day

Federal law requires banks to close on Veterans Day. If November 11 falls on a Saturday, most banks close on Friday, November 10. If November 11 falls on a Sunday, most banks close on Monday, November 12. This is called the "observed" date.

Some banks, particularly smaller regional or community banks, may have different policies. A few banks stay open on federal holidays or operate with reduced hours. The only way to know for certain is to contact your bank directly or check their website.

What you can still do on Veterans Day

Your bank's ATM works 24 hours a day, even when the branch is closed. You can withdraw cash, deposit checks (if your ATM has mobile deposit or an envelope slot), check your balance, and transfer money between your own accounts.

Online banking and mobile apps also work on Veterans Day. You can pay bills, transfer money to other people, deposit checks by phone camera, and manage your accounts from home. If you use a debit card, you can make purchases and get cash back at stores that accept cards.

How to learn about your bank is open tomorrow

The fastest way is to search "[Your Bank Name] hours" and click on the Locations or Hours section of their website. Most banks show each branch's hours for the next several days. You can also call your branch directly — the phone number is usually on your debit card, your bank statements, or the bank's website.

If you use a large national bank like Bank of America, Chase, Wells Fargo, or Citibank, you can assume the branch is closed on Veterans Day unless the website says otherwise. If you use a smaller or regional bank, checking is especially important because policies vary more.

What to do if you need cash or services tomorrow

If your bank is closed and you need cash, use any ATM — you can withdraw from ATMs owned by other banks, though you may pay a fee (usually $2 to $3). Many grocery stores, convenience stores, and pharmacies have ATMs and let you get cash back when you buy something.

If you need to speak with someone about your account, most banks have customer service phone lines open on federal holidays. Call the number on the back of your debit card or on your bank's website. Some banks also offer chat support through their website or app.

Credit unions and Veterans Day

Credit unions follow the same federal holiday schedule as banks, so most credit union branches are closed on Veterans Day. However, some credit unions have different hours or may be open if they are not federally chartered. Check your credit union's website or call ahead.

If you are a member of multiple financial institutions, you may be able to use another credit union's ATM or branch network on Veterans Day. Many credit unions belong to shared branching networks that let members access services at other credit unions nationwide.

Frequently Asked Questions

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

Yes, if your bank offers mobile deposit through its app or website. You photograph the front and back of the check and submit it through the app — the bank processes it the next business day. Some ATMs also accept check deposits in envelopes. Call your bank to confirm your ATM has this feature.

Will my direct deposit or automatic bill payments process on Veterans Day?

Direct deposits and automatic payments scheduled for Veterans Day usually process on the next business day instead. The transaction still goes through; the timing just shifts by one day. Check your account the day after Veterans Day to confirm.

What if I need to dispute a charge or report a lost card on Veterans Day?

Call your bank's customer service number on the back of your card or on their website. Most banks staff customer service lines on federal holidays. If your card is lost or stolen, report it when ready — your bank can freeze the card right away over the phone.

Are online banks open on Veterans Day?

Online banks (banks with no physical branches) do not close on Veterans Day because they have no branches to close. You can access your account, transfer money, and manage your finances normally. Customer service may have reduced hours, but your account itself is always available.