Most banks close on Veterans Day, but some branches stay open
Veterans Day falls on November 11 each year. On that date, most major banks — including Bank of America, Chase, Wells Fargo, Citibank, and US Bank — close their physical branches for the federal holiday. Their online banking platforms remain open, and ATMs work normally.
However, some smaller regional banks and credit unions stay open on Veterans Day. A few large banks operate limited hours at select locations. The safest approach is to contact your specific branch directly or check your bank's website before the holiday to confirm whether it will be open.
If you need to deposit checks, withdraw cash, or handle transactions that require a teller, plan ahead. The day before Veterans Day is typically busy, so arriving early can save time.
Key Takeaways
- Major national banks close their branches on Veterans Day, though ATMs and online banking remain available.
- Some regional banks and credit unions operate on Veterans Day, so contact your bank directly to confirm hours.
- You can still transfer money, pay bills, and check balances online or through your bank's mobile app during the holiday.
- Plan deposits and cash withdrawals for the day before Veterans Day to avoid delays.
- Federal credit unions close on Veterans Day, but some private credit unions may have different policies.
What you can and cannot do on Veterans Day
Online banking, bill payments, and money transfers work normally on Veterans Day. You can log into your account, move money between your own accounts, pay bills through your bank's bill pay system, and check your balance at any time. Mobile banking apps function the same way.
ATM withdrawals and deposits work on Veterans Day. You can use your debit card to withdraw cash, and many ATMs accept check deposits. However, deposited checks may not post to your account until the next business day.
What you cannot do is speak to a teller, open a new account, apply for a loan, or resolve issues that require a bank employee. Safe deposit box access is also closed. If you need these services, handle them on November 10 or November 12.
When banks reopen after Veterans Day
Banks reopen on the next business day after Veterans Day. If November 11 falls on a weekday, banks reopen on November 12. If November 11 falls on a Saturday, banks reopen on Monday, November 13. If November 11 falls on a Sunday, banks reopen on Monday, November 12.
Check deposits made at ATMs on Veterans Day itself typically post the next business day. Wire transfers initiated online may also delay by one business day. If you have time-sensitive transactions, complete them before the holiday.
How to find your bank's Veterans Day hours
Visit your bank's official website and search for "holiday hours" or "Veterans Day hours." Most banks post this information in their Help or Contact section. You can also call your local branch directly — the phone line usually has a recorded message stating whether the branch is open.
If you bank with a credit union, check its website or call the main office. Credit union policies vary more than bank policies, so confirmation is especially important. Some credit unions close on all federal holidays; others operate on a different schedule.
For military-affiliated banks like USAA or Navy Federal Credit Union, check their specific holiday schedules, as they may observe Veterans Day differently or offer special services on that day.
Planning ahead for Veterans Day banking
If you know you will need cash or need to deposit checks before Veterans Day, do it on November 10. This prevents the rush and ensures your money is available if you need it over the weekend or holiday.
If you receive a paycheck that would normally deposit on November 11, it will deposit on November 12 instead. Direct deposit schedules shift automatically when a holiday falls on a payday. Your employer's payroll system handles this without any action on your part.
If you have bills due on or around November 11, pay them online a few days early. This avoids any confusion about posting dates and ensures payments reach creditors on time.
What to do if you need banking services on Veterans Day
If you have an urgent banking problem on Veterans Day itself, call your bank's customer service line. Most major banks operate phone support on federal holidays, though wait times are often longer. You can also use your mobile app to transfer money, pay bills, or freeze your card if it is lost or stolen.
For emergencies like a lost debit card or suspected fraud, your bank's 24/7 fraud line operates on Veterans Day. The number is usually on the back of your card or in your account statements.
If your issue can wait until November 12, that is usually the better option. Branch staff will be fully available, and you will not face holiday wait times.
Frequently Asked Questions
Can I use my debit card on Veterans Day if the bank is closed?
Yes. Your debit card works at ATMs and stores on Veterans Day regardless of whether your bank branch is open. You can withdraw cash, make purchases, and use contactless payments normally. Only teller services and in-person account management are unavailable.
Will my direct deposit post on Veterans Day?
No. If your paycheck would normally deposit on November 11, it will deposit on November 12 instead. Your employer's payroll system automatically adjusts for federal holidays. You will not receive the money until the next business day.
Can I deposit a check at an ATM on Veterans Day?
Yes. Most ATMs accept check deposits on Veterans Day. However, the check will not post to your account until November 12. If you need the money immediately, deposit it on November 10 instead.
Do credit unions close on Veterans Day?
Federal credit unions close on Veterans Day. Private credit unions vary — some close, some stay open with limited hours. Contact your credit union directly to confirm. Do not assume it follows the same schedule as banks.
What if I need to open a new account on Veterans Day?
You cannot open an account on Veterans Day because branches are closed and tellers are not available. Schedule this for November 10 or November 12. You can research account options and start an online application, but you will need to complete it with a bank representative after the holiday.