Most banks are closed on November 11 if it falls on a weekday

November 11 is Veterans Day, a federal holiday. When it lands on Monday through Friday, most banks observe the holiday and close for the day. This includes all major national banks — Bank of America, Chase, Wells Fargo, Citibank, and others — as well as most regional and community banks.

If November 11 falls on a Saturday or Sunday, banks are already closed on that day anyway, so the holiday observance does not change your access. Some banks may choose to close on the Friday before or the Monday after if the holiday lands on a weekend, but this varies by institution.

The closure affects in-person branch visits, drive-through windows, and lobby access. Online banking, mobile apps, and ATMs typically remain available 24/7, even on holidays.

Key Takeaways

  • Most banks close their branches on November 11 when it falls on a weekday, though ATMs and online banking stay open.
  • If you need cash or must conduct business in person, plan ahead by visiting your bank on November 10 or the day after.
  • Check your specific bank's website or call ahead, because some smaller banks or credit unions may have different holiday schedules.
  • Wire transfers, bill payments, and account transfers can usually be done through your bank's app or website even when branches are closed.

What you can still do on November 11

ATMs work around the clock on holidays, so you can withdraw cash, check your balance, and deposit checks (if your ATM has a deposit slot) without visiting a branch. This is the most reliable way to get money if you need it on Veterans Day itself.

Online and mobile banking platforms remain open. You can transfer money between your own accounts, pay bills, send money to other people through your bank's app, and set up automatic payments. These transactions process normally, though they may not settle until the next business day.

If you use a credit union instead of a bank, check their specific holiday schedule. Some credit unions observe Veterans Day, others do not. Call or check their website to confirm.

Planning ahead if you need in-person service

If you must speak to a banker, deposit a check by hand, or handle something that requires a teller, visit on November 10. Most banks open at their regular time that day and close at their standard hour — usually 5 p.m. or 6 p.m., though some branches stay open until 7 p.m. or later.

If November 11 is a Monday and you cannot make it on Friday, your next option is November 12 (Tuesday). Plan for a possible line, since some customers may have delayed their banking until after the holiday.

For time-sensitive transactions — large deposits, account disputes, or fraud reports — call your bank's customer service line on November 10. Many banks staff phone lines even on holidays, and they can often resolve issues or schedule an appointment for the next business day.

How to confirm your bank's specific hours

The safest way to know whether your bank is open is to check their website or call the branch directly. Search "[Your Bank Name] hours" or "[Your Bank Name] Veterans Day" to find their holiday schedule. Most banks post this information in September or October.

You can also use Google Maps: search your bank's name and location, and the hours listed will show whether it is open on November 11. If the listing says "Closed" or does not show hours for that day, the branch is not operating.

If you bank with a smaller or local institution, a phone call is often faster than searching online. The branch staff can tell you immediately whether they observe Veterans Day and what services are available.

Federal holidays and bank closures throughout the year

Banks close on the same federal holidays every year: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. Veterans Day is one of the 10 main closures.

When a federal holiday falls on a Saturday, banks typically close on Friday instead. When it falls on a Sunday, they close on Monday. This rule keeps the closure on a single business day rather than spreading it across a weekend.

Some banks may have different policies for holidays that fall on weekends, so checking ahead is still worth doing if you are planning around a holiday that lands on Saturday or Sunday.

Frequently Asked Questions

Will my direct deposit or automatic bill payment process on November 11?

Yes. Automatic transactions scheduled for November 11 will process normally through your bank's system, even though branches are closed. The transaction may not settle until November 12, but it will go through on schedule.

Can I use my debit card or credit card on Veterans Day?

Yes. Your card works at stores, restaurants, and ATMs regardless of whether your bank is open. The bank's branch closure does not affect card transactions or ATM access.

What if I need to report fraud or a missing card on November 11?

Call your bank's customer service number on the back of your card. Most banks staff fraud lines 24/7, even on holidays. They can freeze your card, dispute a transaction, or issue a replacement card immediately.

Do credit unions close on Veterans Day?

Most do, but not all. Credit unions set their own holiday schedules. Call your credit union or check their website to confirm whether they are open on November 11.

Can I still pay my mortgage or loan on November 11?

Yes. Pay through your bank's online portal, mobile app, or automatic payment setup. Payments made on November 11 will process and post to your account normally, though settlement may occur on November 12.