Most banks close on Veterans Day, but some branches stay open

Veterans Day falls on November 11 each year. Most major banks — including Bank of America, Chase, Wells Fargo, Citibank, and US Bank — treat it as a federal holiday and close all branches. ATMs and online banking stay available, but you cannot visit a teller or speak to someone in person.

Some smaller regional banks and credit unions keep limited hours or stay fully open on Veterans Day. Call your specific branch the day before to confirm, because policies vary by institution and sometimes by individual location within the same bank.

If you need to deposit a check or withdraw cash on Veterans Day itself, use your bank's ATM. If you need to speak to someone, plan to visit on November 10 or 12 instead.

Key Takeaways

  • Major national banks close entirely on Veterans Day, though ATMs and online banking remain open.
  • Credit unions and regional banks may have different hours, so contact your branch directly rather than assuming closure.
  • Any transactions you can do online or at an ATM will work on Veterans Day; in-person services will not.
  • Plan deposits, withdrawals, or account changes for the day before or after Veterans Day to avoid delays.

What you can still do on Veterans Day

ATMs work 24/7 regardless of whether the branch is open. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), check your balance, and transfer money between your own accounts.

Online banking and mobile apps have no holiday schedule. You can pay bills, move money, set up transfers, and review transactions from your phone or computer on Veterans Day just as you would any other day.

If you need to wire money or send an international transfer, initiate it online before Veterans Day. The transaction will process once the bank reopens, but you can set it up while the branch is closed.

What requires a visit to the branch

Certain tasks cannot be done remotely and require a teller or banker in person: opening a new account, explore for a loan, discussing a dispute on your account, ordering a cashier's check, or getting a notarized document. If you need any of these, visit on November 10 or 12.

If a problem arises on Veterans Day itself — a fraudulent charge, a locked account, or a missing deposit — call your bank's customer service line. Most banks staff a phone line even when branches are closed, and they can document the issue and flag it for investigation.

How to learn about your specific bank is open

Call your branch directly. The phone number is on your debit card, your bank statement, or the bank's website. Ask whether they are open on November 11 and what hours they keep if they are.

Check your bank's website or mobile app. Many post holiday hours in advance, usually by early November. Search for "Veterans Day hours" on the site or look for a locations page that lists your branch.

If you bank with a credit union, the same rule applies — call ahead. Credit unions are not required to follow the federal holiday schedule, and some stay open while others close.

Planning ahead to avoid delays

If you have a check to deposit, use mobile deposit through your app on Veterans Day itself. Most banks process mobile deposits within one business day, so a deposit on November 11 will clear by November 12 or 13.

If you need cash, withdraw it on November 10. If you need to pay a bill, pay it online before November 11. If you are waiting for a wire transfer or a loan decision, expect the timeline to shift by one business day.

If you have a time-sensitive issue — a fraud claim, a hold on your account, or a payment that failed — call the bank's customer service number on Veterans Day. They cannot process everything over the phone, but they can start the process and schedule a branch visit for November 12.

Federal holidays and bank closures

Veterans Day is one of ten federal holidays when most banks close. The others are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas.

Some banks also close on Good Friday, though it is not a federal holiday. A few close on additional days tied to state or regional observances. Check your bank's holiday schedule on their website or ask your branch.

The Federal Reserve and US Treasury close on federal holidays, which means wire transfers and ACH payments initiated on those days will not process until the next business day. This does not affect ATM or online banking, but it does affect the timing of transfers between banks.

What to do if you have an emergency on Veterans Day

If your card is lost or stolen, call the number on the back of your card or your bank's customer service line. They can freeze the card when ready and order a replacement, even on a holiday.

If you notice fraud on your account, call customer service right away. They will document the claim and start an investigation. You do not have to wait for the branch to reopen.

If you need cash urgently and your ATM is not working, look for another bank's ATM or a different branch of your own bank. Most ATM networks are shared, so you may be able to withdraw from a competitor's machine, though you might pay a fee.

Frequently Asked Questions

Can I deposit a check on Veterans Day?

Yes, if your bank offers mobile deposit through its app. Photograph the front and back of the check and submit it through the app. If your ATM has a check slot, you can deposit there too. Both methods process within one business day.

Will my online bill payment go through on Veterans Day?

Yes. You can schedule bill payments online on Veterans Day, and they will process on the date you choose. If you schedule a payment for November 11, it may not leave your account until November 12, depending on the payee.

What if I need to speak to someone about my account on Veterans Day?

Call your bank's customer service number, listed on your card or statement. They staff phone lines even when branches are closed. They cannot complete every task, but they can document issues, answer questions, and schedule a branch appointment for the next business day.

Do credit unions close on Veterans Day?

Most do, but not all. Call your credit union directly to confirm. Some stay open with reduced hours, while others close entirely. Do not assume the same schedule as a national bank.

If I wire money on Veterans Day, when does it arrive?

Wire transfers initiated on Veterans Day will not process until November 12. The receiving bank will not receive the funds until the next business day. Plan accordingly if you need the money to arrive by a specific date.