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

Yes, most banks close on Veterans Day (November 11), which is a federal holiday. The major national banks — Bank of America, Chase, Wells Fargo, Citibank, and US Bank — all shut their doors on this day. However, some credit unions and smaller regional banks may keep certain branches open, and online banking continues to work around the clock.

If you need to handle banking on or around Veterans Day, your options depend on what you need to do. ATMs work whether the branch is open or closed, so you can withdraw cash or check your balance anytime. Mobile apps and online banking let you transfer money, pay bills, and deposit checks from your phone or computer. If you need to speak to someone or handle something that requires a teller, you'll need to plan ahead.

Key Takeaways

  • All major national banks close on Veterans Day, but ATMs and online banking remain available 24/7.
  • Credit unions and smaller regional banks may have different hours, so call your branch directly if you're unsure.
  • If you need a teller or in-person service, plan to visit on the day before or the day after Veterans Day.
  • Checks deposited through mobile apps or ATMs on Veterans Day may not post until the next business day.

Which banks close and which stay open

The major national banks that close on Veterans Day include Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, and Ally Bank. These closures apply to all branch locations nationwide. If you use one of these banks, assume your local branch will be closed unless you have specific information otherwise.

Credit unions and regional banks vary. Some close on all federal holidays; others stay open. Call your bank or credit union directly to confirm, or check their website — most post holiday hours online a week or two in advance. If you bank with a smaller institution, don't assume it follows the same schedule as the big chains.

What you can do when branches are closed

ATMs work on Veterans Day just like any other day. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between your own accounts, and check your balance. ATM deposits may not post until the next business day, but the transaction itself goes through immediately.

Mobile banking apps and online banking portals stay open 24/7. You can pay bills, transfer money between accounts at the same bank, send money to other people through peer-to-peer services, and deposit checks by taking a photo. These transactions may not process until the next business day, but you can initiate them anytime.

If you need to speak to someone, many banks offer phone support on federal holidays, though wait times are often longer. Check your bank's website or the back of your debit card for the customer service number. Some banks also offer chat support through their mobile app.

When checks and transfers post after Veterans Day

Transactions you start on Veterans Day don't necessarily post the same day. The Federal Reserve observes Veterans Day as a holiday, which means the banking system itself doesn't process certain transactions. Checks you deposit, transfers you initiate, and bill payments you schedule may all wait until the next business day to post.

If you deposit a check through an ATM or mobile app on Veterans Day, it typically posts the next business day (November 12). If you mail a check or deposit it in person on November 12, it may not post until November 13, depending on when the bank processes it. Wire transfers initiated on Veterans Day usually go through the next business day.

Bill payments scheduled for Veterans Day itself may be delayed. If you have a payment due on November 11 and you schedule it for that day, the bank may not send it until November 12. To be safe, schedule payments for at least one business day before they're due.

Planning ahead for Veterans Day banking needs

If you know you'll need in-person banking services around Veterans Day, visit your branch on November 10 or November 12 instead. Bring any documents you'll need — a check to deposit, a form to sign, or identification for account changes. This avoids the rush that often happens the day after a holiday.

If you have a time-sensitive payment or deposit, handle it before November 11. For example, if rent is due on November 12 and you plan to deposit a check to cover it, deposit the check on November 10 to make sure it posts in time. Don't wait until the last minute on a holiday.

Set up automatic bill payments or recurring transfers for bills that come due around holidays. This removes the need to remember to pay on a specific day and protects you if a holiday falls on your usual payment date.

What happens if you need emergency banking on Veterans Day

If you have a genuine emergency — a fraudulent charge, a lost card, or a critical account issue — call your bank's customer service line. Most major banks staff their phone lines on federal holidays, though response times are slower. The number is usually on your debit card or bank statement.

If your card is lost or stolen, call immediately. Your bank can freeze the card and issue a replacement, which can be done over the phone even on a holiday. If you need cash and your ATM card is compromised, ask the bank if they can authorize an emergency cash advance or direct you to a branch that's open.

For non-emergencies that can wait, handle them on November 12. Most issues that feel urgent on a holiday can actually be resolved the next business day without serious consequences.

Frequently Asked Questions

Can I use my ATM on Veterans Day?

Yes. ATMs work 24/7 on federal holidays, including Veterans Day. You can withdraw cash, deposit checks, transfer money between your accounts, and check your balance anytime. Deposits may not post until the next business day, but the transaction itself processes immediately.

Will my check deposit post on Veterans Day if I use mobile deposit?

The deposit itself goes through on Veterans Day, but the check won't post to your account until the next business day (November 12). The Federal Reserve doesn't process banking transactions on federal holidays, so all deposits wait until the banking system reopens.

Do credit unions close on Veterans Day?

Most credit unions close on Veterans Day, but some stay open. Call your credit union directly or check their website to confirm their holiday hours. Don't assume they follow the same schedule as national banks.

What if I scheduled a bill payment for Veterans Day?

The payment may be delayed until November 12. If the bill is due on November 11, contact your biller now to let them know a payment is coming. If you scheduled it through your bank's bill pay system, you can usually cancel and reschedule it for November 10 instead.

Are online banking and mobile apps down on Veterans Day?

No. Online banking and mobile apps stay open and working 24/7, including on Veterans Day. You can transfer money, pay bills, and deposit checks anytime. Transactions may not process until the next business day, but you can initiate them on the holiday itself.