Most banks are closed on Veterans Day, November 11, 2025
Veterans Day is a federal holiday, and most banks observe it by closing their branches for the day. If November 11 falls on a weekday—which it does in 2025—you will not be able to visit a branch or use in-person services. However, ATMs and online banking remain available around the clock.
The banks that close on Veterans Day include all major national chains: Bank of America, Wells Fargo, Chase, Citibank, US Bank, and most regional and local banks. Credit unions typically close as well. If you need to confirm your specific bank's schedule, call the branch directly or check their website—some smaller institutions or branches in certain states may have different hours.
Federal Reserve operations also stop on Veterans Day, which means wire transfers and other services that depend on the Fed may process more slowly. Transfers you initiate on November 11 will likely not clear until November 12.
Key Takeaways
- Bank branches close on Veterans Day, November 11, 2025, because it is a federal holiday.
- ATMs and online banking work normally on Veterans Day, so you can withdraw cash and check balances without visiting a branch.
- Wire transfers and ACH payments initiated on Veterans Day will not process until the next business day.
- Some banks may have different hours, so call ahead or check your bank's website if you are unsure.
What you can and cannot do on Veterans Day
You can use your debit card at any merchant, withdraw cash from ATMs, transfer money between your own accounts online, and pay bills through online banking or bill-pay services. You can also deposit checks through mobile deposit if your bank offers it.
You cannot visit a branch to speak with a teller, open a new account in person, get a cashier's check, or conduct business that requires a banker's signature. If you need to make a deposit at a physical location, wait until November 12 or use a deposit ATM if your bank has one.
Planning ahead for November 11
If you need cash or a service that requires a branch, withdraw money and handle it before November 10. If you need a cashier's check or a document signed by a banker, visit your branch on Monday, November 10, or wait until Wednesday, November 12.
For wire transfers or payments that must clear on a specific date, initiate them before November 10. Transfers sent on Veterans Day will sit in the queue until the Federal Reserve reopens on November 12, which may delay them by a full business day.
Online and mobile banking work normally
Your bank's website and mobile app do not close on Veterans Day. You can log in, check balances, transfer money between accounts, pay bills, and deposit checks by phone or camera at any time. These services run on bank servers that operate 24/7, independent of branch hours.
However, if your transfer or payment depends on the Federal Reserve to clear—such as a wire transfer or a payment to another bank—it will not process until the Fed reopens on November 12. Internal transfers between accounts at the same bank usually clear immediately, even on holidays.
ATM access on Veterans Day
ATMs stay open and fully functional on Veterans Day. You can withdraw cash, deposit checks (if your ATM accepts deposits), transfer money, and check your balance. There are no limits on ATM use on federal holidays—the machines operate independently of branch staffing.
If you use an out-of-network ATM, you may pay a fee, but the transaction will still go through. Plan to use your bank's ATM network if possible to avoid extra charges.
What happens to direct deposits and automatic payments
Direct deposits scheduled for November 11 may arrive on November 12 instead, depending on when your employer or the paying agency sends the file to the bank. Some employers send payroll the day before a holiday to ensure it clears on time; others send it on the holiday itself, which delays it by a day.
Automatic bill payments and recurring transfers you have set up will process on their normal schedule, but if the payment is supposed to clear on November 11, it will likely clear on November 12 instead. Check with your biller if a payment is time-sensitive—for example, if it is due on November 11 to avoid a late fee.
Frequently Asked Questions
Can I get cash on Veterans Day if I need it?
Yes. ATMs work 24/7 on Veterans Day, so you can withdraw cash anytime. If you do not have enough cash on hand, use an ATM before November 11 or on the morning of November 11 before you need it.
Will my paycheck arrive on time if Veterans Day is a payday?
It depends on your employer's payroll schedule. Some employers send payroll early to clear before the holiday; others send it on the holiday, which delays it by one business day. Contact your payroll department to confirm when your deposit will arrive.
What if I need to deposit a check on Veterans Day?
Use mobile deposit through your bank's app if you have a smartphone, or deposit the check at an ATM if your bank has deposit-enabled machines. Otherwise, wait until November 12 to deposit it at a branch.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day because it is a federal holiday. Call your credit union to confirm, or check their website for holiday hours. ATM and online services typically remain available.
Will my wire transfer go through on Veterans Day?
No. Wire transfers require the Federal Reserve to process them, and the Fed is closed on Veterans Day. Any wire you initiate on November 11 will not send until November 12. Initiate wires on November 10 if the timing matters.