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

Yes, most banks in the United States close on Veterans Day, which falls on November 11 each year. This is a federal holiday, and banks that are members of the Federal Reserve System must close. However, some banks choose to stay open, and a few branches in certain locations may have different hours. The safest approach is to check with your specific bank rather than assume.

If you need to do banking on Veterans Day, call your branch directly or check their website for holiday hours. Many banks post their holiday schedule online weeks in advance. Some larger banks maintain a few branches open in major cities even on federal holidays, though this varies by location and by bank.

Key Takeaways

  • Federal holidays like Veterans Day typically close all branches of banks that are part of the Federal Reserve System.
  • Some banks and credit unions choose to stay open on Veterans Day, so calling your branch is the only way to know for certain.
  • Bank websites usually list holiday hours several weeks ahead, and you can find this information under "Locations" or "Hours."
  • ATMs and online banking remain available on Veterans Day even when physical branches are closed.

Which banks typically close on Veterans Day

All national banks and most large regional banks close on Veterans Day because they are required to by federal law. This includes banks like Bank of America, Chase, Wells Fargo, Citibank, and most credit unions. If your bank is chartered by the federal government or operates under a state charter that follows federal holiday rules, it will close.

Some smaller community banks and credit unions may stay open, particularly if they are not members of the Federal Reserve System. A few very large banks keep select branches open in major metropolitan areas, but this is uncommon. The only way to know what your bank does is to contact them directly.

How to learn about your bank is open tomorrow

Call your branch directly. This is the fastest and most reliable way to confirm. The phone number is on your debit card, your bank statements, or the bank's website. When you call, ask specifically about Veterans Day hours for that location — do not assume all branches of the same bank have the same schedule.

Check your bank's website. Most banks post holiday hours under a "Locations" page or a dedicated "Holiday Hours" section. If you cannot find it on the main page, use the search function and type "Veterans Day hours" or "holiday schedule." Some banks also send email notifications about holiday closures to customers.

Use your bank's mobile app. Many banking apps show branch hours directly in the location finder. Open the app, search for your branch, and look for the hours listed for tomorrow's date.

What you can still do on Veterans Day if your bank is closed

ATMs work 24 hours a day, even when branches are closed. You can withdraw cash, deposit checks (at ATMs that accept deposits), and check your balance. ATM transactions process the same way they do on any other day.

Online banking and mobile apps remain open. You can transfer money between your own accounts, pay bills, send money to other people, and check your balance. These transactions may not post until the next business day, but you can initiate them anytime.

If you need to speak to someone, some banks offer phone support on federal holidays. Call the customer service number on the back of your debit card to ask whether someone is available. Many banks staff a central customer service line even when branches are closed.

Planning ahead for Veterans Day banking

If you know you will need to do something in person on Veterans Day, plan to visit your branch on the day before. This is especially important if you need to deposit a large check, open a new account, or speak to someone about a loan or account issue.

If you regularly need banking services on federal holidays, ask your bank whether any nearby branches stay open. Some banks have one location in a region that remains staffed on holidays. You may be able to travel to that branch instead of waiting until the next business day.

Frequently Asked Questions

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

Direct deposits and automatic bill payments process on schedule even though banks are closed. The transactions happen in the background through the Federal Reserve's systems. Your paycheck will arrive and your bills will be paid as usual, though the bank may not show the transaction until the next business day.

Can I use my debit card at stores on Veterans Day?

Yes. Your debit card works at stores, gas stations, and ATMs regardless of whether your bank branch is open. The bank's closure only affects in-person services at the branch itself.

What if I need to deposit a check on Veterans Day?

Use your bank's mobile app if it has mobile check deposit, or wait until the next business day to visit a branch. Some ATMs accept check deposits, so you can check whether your bank's ATMs have this feature. Checks deposited on Veterans Day will typically post the next business day.

Do credit unions close on Veterans Day?

Most credit unions close on Veterans Day, but some stay open. Call your credit union directly to confirm. The same rules explore as with banks — check their website or call the branch to know for certain.

Will I be charged fees if I need cash on Veterans Day?

No. Using an ATM on Veterans Day costs the same as any other day. If you use an out-of-network ATM, you may be charged a fee, but that depends on your account and the ATM operator, not on the holiday.