Most banks close on Veterans Day, but some branches stay open
Veterans Day falls on November 11 each year. Most major banks — Bank of America, Chase, Wells Fargo, Citibank, and others — close their physical branches on this federal holiday. ATMs and online banking remain available 24/7, so you can still transfer money, check balances, and pay bills from home.
Some smaller regional banks and credit unions keep limited hours or stay fully open on Veterans Day. Call your specific branch the day before to confirm, because hours vary by location and institution. A few banks open for a few hours in the afternoon, while others close entirely.
If you need cash or in-person service on Veterans Day, plan ahead. Withdraw money the day before, or use an ATM on the holiday itself. If your bank is part of a shared ATM network, you may be able to use another bank's ATM without a fee.
Key Takeaways
- Federal banks close on Veterans Day, but ATMs and online banking work around the clock.
- Regional banks and credit unions may have different hours, so contact your branch directly to confirm.
- Withdraw cash the day before if you know you will need it on the holiday.
- Checks deposited on Veterans Day will not clear until the next business day, regardless of when you deposit them.
- Wire transfers and bill payments can be scheduled online in advance and will process on the next business day.
Which banks close and which stay open
The largest national banks — Chase, Bank of America, Wells Fargo, Citibank, PNC, and US Bank — close all branches on Veterans Day. These closures apply to every location nationwide. If you use one of these banks, you will not be able to visit a branch in person.
Credit unions and smaller regional banks are less predictable. Some close entirely, others open for a few hours, and a few operate on their normal schedule. Navy Federal Credit Union, for example, closes on Veterans Day, but Pentagon Federal Credit Union may have limited hours depending on the branch. Call ahead rather than assume.
Online-only banks like Ally, Charles Schwab, and Discover have no physical branches, so the holiday does not affect them. You can still log in, transfer money, and manage your account as usual.
What you can and cannot do on Veterans Day
You can: Withdraw cash from any ATM in your bank's network or a partner network. Check your balance online or by phone. Transfer money between your own accounts. Pay bills through online banking. Deposit checks using mobile deposit (through your bank's app). Access customer service through online chat or email, though response times may be slower.
You cannot: Visit a branch to speak with a teller or loan officer. Cash a check in person. Open a new account at a branch. Get a cashier's check or money order. Deposit cash directly into a teller window. Speak with a banker about a mortgage, car loan, or credit card application.
Checks deposited on Veterans Day — whether at an ATM or through mobile deposit — will not clear until the next business day. The bank does not process deposits on federal holidays, so timing does not matter if you deposit on the 11th or the 12th.
Planning ahead for Veterans Day banking needs
If you know you will need cash on Veterans Day, withdraw it on November 10. Most ATMs dispense $500 to $1,000 per transaction, and daily limits vary by bank — typically $500 to $2,000. Check your bank's website or app to see your personal daily limit.
If you need to deposit a check, use mobile deposit through your bank's app. Take a photo of the front and back of the check, and the bank will process it on the next business day. Mobile deposit is free at most banks and works on holidays.
If you need to pay a bill, schedule the payment online in advance. Most banks let you schedule payments days or weeks ahead, and the payment will go out on the date you choose — even if that date is after Veterans Day.
If you need a cashier's check, money order, or other service that requires a teller, visit your branch on November 10 or wait until November 12. There is no way to get these services on the holiday itself.
What happens if you need emergency banking on Veterans Day
If you have a genuine emergency — a fraudulent charge, a lost debit card, or a compromised account — call your bank's customer service line. Most banks staff their phone lines on federal holidays, and you can report fraud or request a card replacement over the phone. The card will arrive by mail within 7 to 10 business days.
If your debit card is lost or stolen, call immediately to freeze it. Your bank can issue a temporary card number for online purchases, or you can use your ATM card to withdraw cash while you wait for a replacement.
If you notice unauthorized charges, report them by phone on Veterans Day. Your bank will start an investigation, and you are protected under federal law — you are not responsible for fraudulent charges if you report them promptly.
How to find your bank's specific Veterans Day hours
Call your branch directly. The phone number is on your debit card, your bank's website, or in your online banking app. Ask whether the branch is open on November 11 and what hours it keeps if it is open.
Check your bank's website. Most banks post holiday hours online a week or two in advance. Search for "Veterans Day hours" or "holiday hours" on the bank's site, or look for a branch locator tool that shows hours for your specific location.
Use Google Maps. Search for your bank's name and your city. Google often displays holiday hours directly in the search result, and you can see whether the branch is marked as "closed" or "open" on the holiday.
Visit your bank's app. Many banking apps show branch hours and let you filter by location. Some apps also send notifications about holiday closures.
Frequently Asked Questions
Can I use my debit card at a store on Veterans Day if my bank is closed?
Yes. Your debit card works at stores, restaurants, and gas pumps regardless of whether your bank's branch is open. You can also withdraw cash from any ATM in your bank's network. The branch closure does not affect your ability to spend money or access your account.
Will a check I deposit on Veterans Day clear the same day?
No. Checks deposited on any federal holiday will not clear until the next business day. If you deposit on November 11, the check clears on November 12. The timing of your deposit does not matter — the bank does not process deposits on holidays.
Can I get a cashier's check on Veterans Day?
Not if your bank is closed. Cashier's checks require a teller, and branches are closed on Veterans Day. Visit your branch on November 10 or November 12 instead. Some banks can mail a cashier's check to you, but that takes several business days.
What if I need to report fraud on Veterans Day?
Call your bank's customer service line. Most banks staff their fraud department on federal holidays. You can report unauthorized charges, freeze your card, and request a replacement over the phone. Your bank will start an investigation immediately, and you are protected by federal law against fraudulent charges.
Do online banks close on Veterans Day?
No. Online-only banks like Ally, Charles Schwab, and Discover do not have physical branches, so they do not close on holidays. You can log in, transfer money, and manage your account 24/7, including on Veterans Day.