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

Yes, most banks in the United States close on Veterans Day (November 11). All federal banks shut down because Veterans Day is a federal holiday. This means the Federal Reserve does not process transfers, and major banks like Bank of America, Chase, Wells Fargo, and Citibank do not operate their branch locations.

However, some banks keep certain branches open on Veterans Day, and online banking continues to work. Credit unions vary — some close entirely, others stay open. The safest approach is to call your specific branch the day before to confirm whether it will be open.

If you need cash or to deposit a check on Veterans Day, plan ahead. ATMs work 24/7 regardless of the holiday, so you can withdraw money or deposit checks at your bank's ATM even when branches are closed.

Key Takeaways

  • Federal banks close on Veterans Day because it is a federal holiday, but ATMs remain available around the clock.
  • Some regional and community banks stay open on Veterans Day even though major national banks close, so call ahead to confirm your branch's hours.
  • Online banking, bill pay, and transfers through your bank's website or app work normally on Veterans Day.
  • If you need to speak to a banker or conduct business that requires a person, plan to visit on November 10 or November 12 instead.
  • Credit unions may have different holiday schedules than banks, so check with your credit union directly.

What stays open: ATMs and online banking

ATMs operate 24 hours a day on Veterans Day. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any ATM belonging to your bank or a network your bank participates in. This is the most reliable way to handle banking needs on the holiday itself.

Online banking through your bank's website or mobile app works normally on Veterans Day. You can pay bills, transfer money between your own accounts, send money to other people, and review your transactions. The only thing you cannot do is speak to a banker or conduct business that requires a person to process it in real time.

If you use a bank that is part of a shared branching network or surcharge-free ATM network, you may also be able to visit a partner location on Veterans Day. Call your bank to find out whether partner branches near you are open.

Which banks close and which might stay open

All major national banks close on Veterans Day: Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, and TD Bank all shut their branches. The Federal Reserve also closes, which means no wire transfers or ACH transfers process on Veterans Day itself — they process the next business day.

Smaller regional banks and community banks sometimes stay open on Veterans Day. Some operate on a different holiday schedule or keep a skeleton crew available. The only way to know is to call your branch directly or check your bank's website for Veterans Day hours.

Credit unions follow their own schedules. Some close on all federal holidays, others stay open. Call your credit union to confirm whether it will be open on November 11.

Planning ahead for checks and deposits

If you need to deposit a check on Veterans Day, use your bank's ATM. Most modern ATMs accept check deposits, and the check will be processed the next business day. If your bank's ATM does not accept deposits, deposit the check on November 10 or November 12 instead.

Checks deposited on Veterans Day through an ATM will not clear until November 12 at the earliest, since the Federal Reserve does not process transactions on the holiday. If you need the money urgently, deposit it on November 10.

Mobile check deposit through your bank's app also works on Veterans Day and follows the same timeline — the check processes the next business day.

Wire transfers and ACH payments on Veterans Day

Wire transfers and ACH transfers (like direct deposits and bill payments) do not process on Veterans Day. If you initiate a wire transfer on November 11, it will not leave your account until November 12. The same applies to ACH payments you schedule.

If you have a bill due on Veterans Day or the day after, pay it before November 10 to make sure it arrives on time. If you are expecting a direct deposit on Veterans Day, it will arrive on November 12 instead.

Some banks allow you to schedule transfers in advance through online banking. If you know you need money to move on or around Veterans Day, schedule it for November 10 or earlier.

What to do if you need banking services on Veterans Day

If you need cash, use an ATM. If you need to deposit a check, use your bank's ATM or mobile app. If you need to pay a bill or transfer money, use online banking or your bank's app. All of these work on Veterans Day.

If you need to speak to a banker — to open an account, dispute a transaction, get a cashier's check, or handle something that requires a person — you will need to visit on November 10 or November 12. Call your branch ahead of time to confirm it will be open and to ask whether you need an appointment.

If you use a bank that is not a major national chain, call directly to confirm whether your specific branch will be open on Veterans Day.

Frequently Asked Questions

Can I withdraw money from an ATM on Veterans Day?

Yes. ATMs work 24 hours a day, 7 days a week, including Veterans Day. You can withdraw cash, deposit checks, transfer money, and check your balance at any ATM belonging to your bank or a network your bank participates in.

Will my direct deposit arrive on Veterans Day?

No. Direct deposits scheduled for Veterans Day will arrive on November 12 instead, because the Federal Reserve does not process ACH transfers on federal holidays. If your paycheck is due on November 11, it will be delayed by one day.

Can I pay bills online on Veterans Day?

Yes, you can schedule bill payments through your bank's website or app on Veterans Day. However, if you schedule a payment for November 11, it will not process until November 12. To make sure a bill is paid on time, schedule it for November 10 or earlier.

Do credit unions close on Veterans Day?

Most credit unions close on Veterans Day, but some stay open. Call your credit union directly to confirm its hours. Credit unions are not required to follow the same holiday schedule as banks.

What if I need a cashier's check on Veterans Day?

You cannot get a cashier's check on Veterans Day because branches are closed. You will need to visit on November 10 or November 12. Call your branch ahead of time to confirm it will be open and ask whether you need an appointment.