Yes, most banks close on November 11 when it falls on a weekday
November 11 is Veterans Day, a federal holiday. When Veterans Day lands on a Monday through Friday, most banks in the United States close for the day. This means you cannot visit a branch, use a teller, or conduct business in person. ATMs and online banking typically remain available, but wire transfers, check deposits at the counter, and other services requiring staff do not process until the next business day.
If November 11 falls on a Saturday or Sunday, banks are already closed on that day anyway, so the holiday does not shift your banking schedule. The closure affects the following Monday if the holiday lands on a weekend.
Some credit unions and smaller regional banks may have different holiday schedules, so checking with your specific institution is worth doing if you have an unusual banking relationship or account type.
Key Takeaways
- Federal banks close on Veterans Day when it falls Monday through Friday, making in-person services unavailable that day.
- ATMs and online banking platforms continue to work on Veterans Day, so you can withdraw cash and check balances without visiting a branch.
- Checks deposited at an ATM or through a mobile app on Veterans Day will not be processed until the next business day.
- Wire transfers, cashier's checks, and other services requiring bank staff do not process on the holiday and will be handled the following business day.
- Credit unions and private banks may observe different holidays, so confirm your institution's schedule if you need services on November 11.
What banking services stay open on Veterans Day
ATMs operate 24/7 regardless of bank holidays. You can withdraw cash, deposit checks via ATM envelope, transfer money between your own accounts, and check your balance on Veterans Day without any interruption. The transaction will process immediately or by the next business day depending on the type of ATM and your bank's system.
Online and mobile banking platforms also remain open. You can log in to your account, pay bills, transfer money between accounts, and view statements whenever you want on November 11. These transactions typically process on the next business day if submitted during a holiday, though some banks process certain transfers the same day depending on the time you submit them.
Debit and credit card transactions work normally on Veterans Day. Purchases, cash advances, and card-based payments are not affected by the bank closure.
What banking services close on Veterans Day
Branch locations close entirely on Veterans Day when it falls on a weekday. You cannot speak to a teller, open a new account, apply for a loan, get a cashier's check, or handle any service that requires a bank employee to be present.
Wire transfers initiated on Veterans Day will not be sent until the next business day. If you need to send money urgently, submit the request before the holiday or wait until the bank reopens. Some banks allow you to schedule a wire transfer in advance through online banking, which will process on the next available business day.
Check deposits made at a branch teller on Veterans Day are not possible. Checks deposited through an ATM or mobile app will be processed the next business day. Mailed checks take longer regardless of holidays, typically three to five business days after the bank receives them.
When to plan ahead for banking needs around November 11
If you need cash on Veterans Day, withdraw it the day before. ATMs work on the holiday, but if your ATM is out of service or you reach your daily withdrawal limit, you will have no way to get cash from your bank until November 12.
If you need to deposit a check before a deadline, use mobile deposit or an ATM the day before Veterans Day. Checks deposited on the holiday will not clear until at least November 12, and possibly later depending on the check amount and your bank's processing rules.
Wire transfers should be sent before November 10 if the money needs to arrive by November 11. If you miss that window, the transfer will not leave your bank until November 12 at the earliest, meaning the recipient may not see the funds until November 13 or later.
If you need to open an account, apply for a loan, or handle any service requiring staff, schedule that for November 10 or November 12. Calling ahead to confirm your branch's exact hours on November 10 is a good idea, since some branches may close early the day before a holiday.
How to find your bank's specific holiday schedule
Call your bank's customer service number, which is usually on the back of your debit card or on your monthly statement. Ask whether they observe Veterans Day and whether your specific branch location has different hours. Some large banks operate a few branches on certain federal holidays, though this is uncommon.
Check your bank's website. Most banks publish their holiday schedule online, often under "Hours" or "Locations." You can search for your branch by address and see whether it lists November 11 as a closure day.
Log into your online banking platform. Some banks display holiday closures in the account dashboard or in a help section.
If you bank at a credit union, call the main office or check their website. Credit unions are not required to follow the same federal holiday schedule as banks, though most do observe Veterans Day.
What happens if you need emergency banking on Veterans Day
If you have a fraud issue, lost card, or account problem on Veterans Day, call your bank's customer service line. Most banks maintain a 24/7 phone line for emergencies even on holidays. They can freeze a card, dispute a transaction, or help you regain access to your account without requiring a branch visit.
If you need cash urgently and your ATM is not working, look for ATMs from other banks in your network or a different bank entirely. Many ATM networks allow you to withdraw from machines outside your bank's brand, though you may pay a fee.
If you have a check that must clear by a specific date and you cannot deposit it before Veterans Day, contact your bank's customer service to ask about expedited processing. Some banks can manually process checks in emergency situations, though this is not may provide.
Frequently Asked Questions
Can I deposit a check on Veterans Day using my phone?
Yes. Mobile check deposit works on Veterans Day. The check will be processed the next business day, so if you deposit on November 11, the funds typically appear in your account by November 12 or 13 depending on the check amount and your bank's processing time.
Will my bill payment process if I submit it on Veterans Day?
Online bill payments submitted on Veterans Day will process on the next business day. If the payment has a specific due date, make sure you submit it early enough that it arrives on time. Most banks process payments submitted before midnight on a holiday by the next morning.
Do credit unions close on Veterans Day?
Most credit unions close on Veterans Day, but not all. Call your credit union to confirm. Some smaller credit unions may stay open or have limited hours. Check their website or call the main office to be sure.
What if I need a cashier's check on November 11?
You cannot get a cashier's check on Veterans Day because branches are closed. Plan ahead and request one on November 10 or wait until November 12. Some banks allow you to order cashier's checks online in advance, though you still need to pick them up at a branch.
Can I use my debit card on Veterans Day?
Yes. Debit cards work normally on Veterans Day. You can make purchases, withdraw cash from ATMs, and use your card for any transaction. The bank closure does not affect card transactions.