Most banks close on Veterans Day, but some branches 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. Their online banking, mobile apps, and ATMs remain open and working.

Credit unions often follow the same schedule as banks, though some stay open on federal holidays. Call your specific branch the day before to confirm. Smaller regional banks and community banks vary widely — some close, some keep limited hours, and some operate normally.

If you need cash or to deposit a check on Veterans Day itself, your ATM will work. If you need to speak to someone or handle a transaction that requires a teller, you will need to wait until the next business day.

Key Takeaways

  • Major national banks close their branches on Veterans Day, but ATMs and online banking stay available.
  • Credit unions and smaller regional banks may have different hours, so contact your branch directly to confirm.
  • Any transaction you can do at an ATM — withdrawals, deposits, transfers between your own accounts — works on Veterans Day.
  • If you need a teller or to handle a complex transaction, plan to visit on November 10 or November 12.

Which banks definitely close on Veterans Day

The Federal Reserve observes Veterans Day as a holiday, which means all banks that are members of the Federal Reserve System must close. This includes every major national bank: Bank of America, Chase, Wells Fargo, Citibank, US Bank, PNC, TD Bank, and KeyBank.

State-chartered banks that are not Federal Reserve members may have different policies, but most follow the federal holiday schedule anyway because it simplifies operations and matches customer expectations. If you bank with a smaller or regional institution, do not assume — call the branch or check their website.

What stays open on Veterans Day

ATMs run 24/7 on Veterans Day. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between your accounts, and check your balance. The transaction may not post until the next business day, but the ATM itself works.

Online banking and mobile apps work normally. You can pay bills, transfer money, check balances, and deposit checks by phone or app. Again, the transaction may not process until November 12, but you can initiate it on the 11th.

Automatic payments and direct deposits continue on schedule. If your paycheck is set to deposit on November 11, it will arrive. If you have a bill payment scheduled for that date, it will process.

Credit unions and Veterans Day hours

Credit unions are not required to close on federal holidays the way banks are. Some stay open on Veterans Day with normal or reduced hours. Others close entirely. There is no single rule — it depends on the individual credit union's policy.

Contact your credit union directly by phone or check their website before Veterans Day. Many post holiday hours online a week or two in advance. If you cannot reach anyone, assume they are closed and plan accordingly.

Transactions you cannot do on Veterans Day

Any transaction that requires a teller or a bank employee cannot happen on Veterans Day at a closed branch. This includes opening a new account, applying for a loan, ordering cashier's checks, reporting a lost card in person, or discussing account issues with someone at the branch.

Some banks offer phone support on federal holidays for urgent matters — lost or stolen cards, fraud, or account lockouts. Check your bank's website or the back of your card for a 24/7 customer service number. Online chat support may also be available, though response times can be slower on holidays.

Planning ahead for Veterans Day banking

If you know you will need to do something that requires a teller, handle it on November 10. Deposit checks, withdraw cash, or complete any account changes before the holiday.

If you are expecting a check to arrive on or around November 11, remember that it may not post until November 12 even if you deposit it at an ATM on the 11th. Plan your cash flow accordingly.

If you have a bill due on November 11, pay it online or by app a day or two early. Do not wait until the holiday itself, because even though the payment will process, you will not know if there are any problems until the next business day.

Frequently Asked Questions

Can I use my debit card at stores on Veterans Day if my bank is closed?

Yes. Your debit card works at any store, gas station, or ATM regardless of whether your bank's branch is open. The transaction will process normally, though it may not show in your account until the next business day.

Will my direct deposit arrive on time if Veterans Day falls on a payday?

Usually yes. Most employers process payroll the day before payday to account for weekends and holidays, so your deposit will likely arrive on November 11 even though the bank is closed. Check with your employer if you are unsure about their schedule.

What if I need to report a lost card on Veterans Day?

Call the 24/7 customer service number on the back of your card or your bank's website. You do not need to visit a branch. The bank can freeze your card immediately over the phone to prevent fraud.

Do online bill payments process on Veterans Day?

You can schedule them on Veterans Day, but they typically process the next business day. If a bill is due on November 11, pay it by November 10 to be safe, or check whether the biller accepts payments on federal holidays.

Are bank wire transfers available on Veterans Day?

Incoming wires may arrive on Veterans Day, but outgoing wires usually cannot be sent until November 12. If you need to send money urgently, do it on November 10. Call your bank's wire department to confirm their specific holiday schedule.