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 — close their branches on this federal holiday. ATMs and online banking remain open, so you can still withdraw cash and check your balance, but you cannot visit a teller or speak to a banker in person.
Some smaller regional banks and credit unions may have different schedules. A few branches in certain areas stay open on Veterans Day, though this is uncommon. The only way to know for certain is to call your specific branch or check your bank's website the day before.
If you need cash before the holiday, withdraw it on the business day before. If you need to deposit a check, mobile deposit or ATM deposit (if your bank offers it) works on the holiday itself, though the funds may not post until the next business day.
Key Takeaways
- Federal banks close on Veterans Day, but ATMs and online banking stay open all day.
- You can withdraw cash from an ATM, transfer money online, and use mobile deposit on Veterans Day without visiting a branch.
- Call your branch or check your bank's website to confirm hours, since some credit unions and regional banks may operate differently.
- Plan ahead by withdrawing cash or depositing checks the business day before if you need in-person service.
What you can and cannot do on Veterans Day
ATMs work normally on Veterans Day. You can withdraw cash, check your balance, transfer money between your own accounts, and deposit checks using the ATM's deposit slot (if your bank has one). The transaction posts immediately or within one business day depending on your bank.
Online banking and mobile apps work all day. You can pay bills, transfer money, check balances, and use mobile deposit to photograph and submit checks from your phone. These transactions process on the holiday itself, though transfers to other banks may not clear until the next business day.
You cannot visit a teller, open a new account, apply for a loan, or speak to a banker in person on Veterans Day at a closed branch. If you need any of these services, do them on the business day before or after the holiday.
Which banks close and which might stay open
All major national banks close on Veterans Day: Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC Bank, Capital One, and Ally Bank. This applies to nearly all of their branches nationwide.
Credit unions vary by location. Some credit unions close on all federal holidays, while others stay open. Navy Federal Credit Union, for example, closes on Veterans Day, but some smaller local credit unions may not. Call your credit union directly to confirm.
Online-only banks (like Ally, Charles Schwab, and Discover) have no physical branches, so the holiday does not affect them. You can conduct all banking online as usual.
How to plan ahead if you need cash or services
Withdraw cash the business day before Veterans Day if you know you will need it. ATMs work on the holiday, but if your bank's ATM network is limited or you prefer to withdraw a large amount, get it beforehand.
Deposit checks before the holiday if you need the funds to post quickly. A check deposited on Veterans Day via ATM or mobile deposit will not clear until the next business day at the earliest. If you deposit on the business day before, it may clear by Veterans Day itself.
Pay bills online or through your bank's app before the holiday if they are due on or shortly after Veterans Day. Online bill pay processes on the holiday and usually reaches the recipient within one to three business days.
If you need to open an account, apply for a loan, or handle other services that require a banker, schedule an appointment for the business day before or after the holiday.
What happens to direct deposits and automatic payments on Veterans Day
Direct deposits scheduled for Veterans Day may arrive on the holiday itself or may be delayed until the next business day, depending on your employer and bank. Federal employees typically receive their direct deposits on schedule because the federal government processes payroll on the holiday. Private employers vary — some process payroll before the holiday, others after.
Automatic bill payments scheduled for Veterans Day usually process on the holiday and reach the recipient within one to three business days. Check your bank's website or call ahead if you are unsure whether a payment will go through on time.
If a payment is due on Veterans Day and you are concerned it will not process, pay it online or by phone the business day before to be safe.
How to find your bank's specific hours
Visit your bank's website and search for "branch hours" or "holiday hours." Most banks post their Veterans Day schedule at least one week in advance. You can also enter your zip code to find your nearest branch and see its specific hours.
Call your branch directly. The phone number is on your bank card or statement. Ask whether they are open on November 11 and what time they close if they are open.
Use Google Maps. Search for your bank name and location. Google often displays holiday hours automatically, showing whether the branch is open or closed on specific dates.
Frequently Asked Questions
Can I use my debit card to buy things on Veterans Day if the bank is closed?
Yes. Your debit card works at stores, gas stations, and online retailers on Veterans Day regardless of whether your bank branch is open. The transaction processes normally through the card network. Your bank's branch closure does not affect debit card use.
Will my paycheck deposit on time if it is scheduled for Veterans Day?
Federal employees usually receive deposits on schedule. Private employers vary — some process payroll before the holiday, others after. Contact your employer's payroll department to confirm when your direct deposit will arrive if it is scheduled for November 11.
What if I need to deposit a check on Veterans Day?
Use mobile deposit through your bank's app or an ATM deposit slot if your bank has one. The check deposits on the holiday, but the funds may not clear until the next business day. If you need the money immediately, deposit it the business day before.
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. Navy Federal Credit Union and most large credit unions close, but policies vary by institution and location.
Can I transfer money to another bank on Veterans Day?
You can initiate a transfer through your bank's online banking or app on Veterans Day, but the transfer may not reach the other bank until the next business day. Transfers between accounts at the same bank usually process on the holiday itself.