Most banks and post offices close on Veterans Day, but some branches stay open
Veterans Day falls on November 11 each year. On that day, federal offices shut down, which includes most bank branches and all post offices. However, not every financial institution follows the federal holiday schedule — some banks, especially larger national chains, keep certain branches open. Post offices do not; the entire USPS network closes.
If you need to deposit a check, withdraw cash, or mail a package on Veterans Day, you should plan ahead. Knowing which institutions stay open and which close can save you a trip.
Key Takeaways
- All U.S. Post Office locations close on Veterans Day; no mail is delivered and no services are available.
- Most bank branches close on Veterans Day because it is a federal holiday, but some large national banks keep select branches open.
- ATMs and online banking remain available even when branches are closed, so you can withdraw cash or transfer money without visiting a location.
- If you need to mail something on Veterans Day, plan to use a post office the day before or after, or use a private shipping service like UPS or FedEx.
- Contact your specific bank branch directly to confirm whether it will be open, since policies vary by institution and location.
Which post offices close on Veterans Day
Every post office in the United States closes on Veterans Day. This includes all retail locations, processing facilities, and mail collection boxes. No mail is sorted, delivered, or processed on that day. If you drop a letter in a collection box on Veterans Day, it will not be picked up until the next business day.
If you need to mail a package or buy stamps on Veterans Day, you have two options: visit a post office the day before or the day after, or use a private carrier. UPS and FedEx operate on their own schedules and do not close for Veterans Day, though some individual locations may have reduced hours. Check with your local UPS Store or FedEx location to confirm they are open.
Which banks stay open and which close
Most bank branches close on Veterans Day because it is a federal holiday. However, the largest national banks — including Bank of America, Chase, Wells Fargo, and Citibank — often keep some branches open, particularly in high-traffic areas like shopping centers or downtown districts. The decision to stay open varies by bank and by individual branch, so there is no single rule.
Credit unions typically follow the federal holiday schedule and close entirely on Veterans Day. Smaller regional banks are more likely to close than large national chains, though exceptions exist. The only way to know for certain is to call your branch directly or check your bank's website, which usually lists holiday hours by location.
How to access your money if your bank is closed
Even if your bank branch is closed on Veterans Day, you can still access your money through an ATM. ATMs operate 24/7 and do not close for holidays. You can withdraw cash, check your balance, and transfer money between your own accounts using any ATM in your bank's network.
Online banking and mobile apps also work on Veterans Day. You can pay bills, transfer money between accounts, deposit checks using mobile check deposit, and review your transactions. If you need to speak with someone at your bank, most institutions offer phone support on holidays, though wait times may be longer than usual.
What happens to mail and deposits on Veterans Day
Mail deposited in collection boxes on Veterans Day will not be picked up until the next business day. If you need to mail something time-sensitive, send it the day before Veterans Day instead. For checks you want to deposit, use mobile check deposit through your bank's app if available — this processes the deposit immediately and does not require a branch visit.
If you mail a check on the day before Veterans Day, it will sit in the collection box overnight and be picked up the next business day (November 12). The check will then process according to your bank's normal deposit timeline, which is usually one to two business days after deposit.
Planning ahead for Veterans Day banking and mail needs
If you know you will need to visit a bank or post office around Veterans Day, plan your visit for November 10 or November 12 instead. This avoids the holiday entirely and ensures you can complete your transaction without delays.
For recurring needs — like paying bills or depositing checks — set up automatic payments or mobile deposit before the holiday. Most banks offer these services at no cost, and they work even when branches are closed. If you have a time-sensitive mailing, use a private carrier like UPS or FedEx, which operate on their own schedule and do not close for federal holidays.
Frequently Asked Questions
Will my bank ATM work on Veterans Day?
Yes. ATMs operate 24/7 and do not close for holidays, including Veterans Day. You can withdraw cash, check your balance, and transfer money between your own accounts on Veterans Day using any ATM in your bank's network.
Can I deposit a check on Veterans Day using my phone?
Yes, if your bank offers mobile check deposit. You can photograph the front and back of the check using your bank's app and submit it for deposit. The deposit processes immediately, though the funds may take one to two business days to appear in your account.
What if I need to mail something on Veterans Day?
The post office will be closed, so mail dropped in collection boxes will not be picked up until November 12. Use a private carrier like UPS or FedEx instead — most locations stay open on Veterans Day, though hours may vary. Call ahead to confirm.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day because it is a federal holiday. However, some larger credit unions may keep certain branches open. Contact your credit union directly to confirm its Veterans Day hours.
Will my online banking work on Veterans Day?
Yes. Online banking and mobile apps work 24/7 and do not close for holidays. You can transfer money, pay bills, and deposit checks using mobile deposit on Veterans Day without visiting a branch.