Most banks close on Veterans Day, but some branches and ATMs stay open
Veterans Day falls on November 11 each year. On that date, most major banks — including Bank of America, Chase, Wells Fargo, Citibank, and US Bank — close their physical branches because it is a federal holiday. Your ATM and online banking will work normally, but you cannot walk in or call a branch for help.
Some credit unions and smaller regional banks follow the same schedule. A few banks stay open on Veterans Day, particularly if they are open-on-Sundays locations or operate in areas where the holiday is observed on a different date. The safest move is to check your specific bank's website or call the branch directly the day before.
If you need cash, your bank's ATM will dispense money even when the branch is closed. If you need to deposit a check or speak to someone, plan ahead — do it on November 10 or wait until November 12.
Key Takeaways
- Federal banks close on November 11 for Veterans Day, but ATMs and online banking stay open.
- Check your bank's website or call ahead to confirm whether your specific branch is closed, since some regional banks stay open.
- Deposits, withdrawals, and transfers can wait until the next business day, but ATMs work around the clock.
- If you need cash before the holiday, withdraw it on November 10.
Which banks are definitely closed on Veterans Day
All national banks that observe federal holidays close on Veterans Day. This includes Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, TD Bank, and Capital One. Their branches will not be staffed, and you cannot visit in person or reach a teller by phone.
Most credit unions also close on Veterans Day, though some credit union networks operate differently. If your money is in a credit union, check their holiday schedule on their website — it is usually listed under "Hours" or "Locations."
State banks and smaller regional institutions vary. Some close; some stay open. Do not assume your bank follows the federal schedule just because it is large.
What you can still do on Veterans Day
ATMs work 24/7, including on Veterans Day. You can withdraw cash, check your balance, and transfer money between your own accounts using any ATM in your bank's network.
Online banking and mobile apps work normally. You can pay bills, transfer money between accounts, deposit checks by phone camera (mobile deposit), and review your transactions. You just cannot speak to a person or visit a branch.
If you use a bank that is part of a shared branching network or surcharge-free ATM alliance, you may be able to visit a partner branch or ATM on Veterans Day. Check your bank's website for the network map.
How to plan ahead if you need banking services
If you know you will need cash, a deposit, or a wire transfer, handle it on November 10. Most banks are open regular hours that day. Withdrawals and transfers you start online on Veterans Day will process the next business day (November 12).
If you need to deposit a check, use mobile deposit through your bank's app if you have it. The check will clear on the next business day. If you do not have mobile deposit, hold the check until November 12.
If you need a wire transfer or cashier's check, those require a teller and cannot be done on Veterans Day. Plan to visit on November 10 or after.
What happens if your bank is open on Veterans Day
Some banks, particularly those in states that do not observe Veterans Day as a holiday or those that operate on Sundays, may stay open on November 11. If your bank is one of them, hours may be shorter than usual — for example, 10 a.m. to 2 p.m. instead of the regular 9 a.m. to 5 p.m.
The only way to know is to check. Call your branch, visit the bank's website and search for "Veterans Day hours," or look at your branch location on Google Maps — Google often shows holiday hours.
If you need help and the bank is closed
If you have an urgent banking problem on Veterans Day — a fraudulent charge, a locked account, or a payment that did not go through — call your bank's customer service line. Most banks staff a phone line for emergencies even on holidays, though wait times are longer.
If the issue can wait, contact the branch on November 12. If it is a fraud or security issue, do not wait — call the number on the back of your card.
For non-urgent questions, email your bank or use their online chat (if available). Responses will come after the holiday.
Frequently Asked Questions
Will my direct deposit hit my account on Veterans Day?
Direct deposits scheduled for November 11 will usually process on that day, even though the bank is closed. The money appears in your account automatically. If November 11 falls on a weekend, the deposit moves to the next business day.
Can I pay my credit card bill on Veterans Day?
Yes. Pay online or through your bank's app anytime. The payment will process on November 11 or 12 depending on when you submit it. If your due date is November 11, pay by November 10 to be safe.
What if I need a cashier's check on Veterans Day?
You cannot get one on Veterans Day because cashier's checks require a teller. Plan ahead and get it on November 10. If it is truly urgent, some banks have a 24-hour customer service line that may be able to help, though this is rare.
Do online banks close on Veterans Day?
Online-only banks like Ally, Charles Schwab Bank, and Discover do not have physical branches, so there is nothing to close. You can transfer money, pay bills, and withdraw cash from ATMs normally on Veterans Day.
What if Veterans Day falls on a weekend?
If November 11 is a Saturday, most banks observe the holiday on Friday, November 10. If it is a Sunday, they observe it on Monday, November 12. Check your bank's website to confirm which day they close.