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 for the federal holiday. ATMs and online banking remain available 24/7, so you can still transfer money, check balances, and pay bills from home or at an ATM.
Some smaller regional banks and credit unions keep different schedules. A few branches in certain areas may open for limited hours, though this is uncommon. The safest approach is to call your specific branch the day before or check your bank's website, since hours vary by location and institution.
If you need cash or a service that requires a teller, plan ahead. Withdraw money on November 10, or use an ATM on November 11. If you have a time-sensitive transaction, contact your bank directly rather than assuming all branches are closed.
Key Takeaways
- Major national banks close their branches on Veterans Day, but ATMs and online banking work normally.
- Some regional banks and credit unions may have different hours, so check with your specific branch before the holiday.
- Withdrawing cash or handling deposits before November 11 avoids the need to visit a closed branch.
- Online transfers, bill payments, and account checks can all be done from your phone or computer on Veterans Day itself.
- If you need a teller service on or near the holiday, call ahead to confirm your branch is open.
Which banks definitely close on Veterans Day
All federally chartered banks must close on Veterans Day because it is a federal holiday. This includes Chase, Bank of America, Wells Fargo, Citibank, US Bank, PNC Bank, and TD Bank. If your bank is part of a major national network, assume the branch is closed on November 11 unless you hear otherwise directly from the bank.
Credit unions vary. Many close on Veterans Day, but some stay open or keep reduced hours. The National Credit Union Administration does not mandate closure, so each credit union sets its own policy. Call your credit union on November 10 to confirm.
What you can still do on Veterans Day without a branch
ATMs work around the clock on Veterans Day. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), transfer money between accounts, and check your balance at any time.
Online banking and mobile apps function normally. Log in to your bank's website or app to pay bills, transfer funds between accounts, set up direct deposits, or review transactions. These services do not depend on branch staff.
If you need to deposit a check and your ATM does not have a check slot, you can photograph the check using your bank's mobile app and deposit it that way. Most major banks offer mobile check deposit, though some credit unions do not.
Planning ahead for transactions that need a teller
Some tasks require a teller or in-person service: cashing a check that your ATM will not accept, opening a new account, getting a cashier's check, reporting a lost debit card, or discussing a loan. If you need any of these on or around Veterans Day, handle them on November 10 or wait until November 12.
If you lose your debit card on Veterans Day itself, call your bank's customer service line (the number is on the back of your card or on your statement). You can report it lost or stolen over the phone and request a replacement card, even though branches are closed.
Regional and smaller banks may have different hours
Community banks and local credit unions sometimes stay open on federal holidays or keep partial hours. Some branches in rural areas or smaller towns may operate differently than major chain branches in cities. The only way to know is to contact your bank directly.
Call your branch on November 10 and ask: "Will you be open on Veterans Day, November 11?" Write down the answer. If the branch is open, ask what hours. If it is closed, ask when it reopens and whether any nearby branches have different hours.
What to do if you need money on Veterans Day
Withdraw cash on November 10. Use an ATM to get the amount you think you will need for the holiday and the following day. Most ATMs allow withdrawals of $500 to $1,000 per transaction, depending on your bank and account type.
If you reach November 11 and realize you need more cash than you withdrew, find an ATM. Every major bank's ATM network is open on holidays. You can also use ATMs from other banks, though you may pay a fee ($1 to $3 typically) for out-of-network use.
If you need a service that only a teller can provide and you cannot wait until November 12, some banks have customer service phone lines open on holidays. Call the number on your card or statement and ask whether a representative can help you remotely.
Frequently Asked Questions
Can I deposit a check on Veterans Day if my bank is closed?
Yes, if your bank offers mobile check deposit through its app. Photograph the front and back of the check and submit it through the app. The deposit posts to your account, though the funds may not be available until November 12. If your bank does not offer mobile deposit, wait until November 12 to deposit at a branch or ATM.
Will my direct deposit still go through on Veterans Day?
Yes. Direct deposits are processed automatically by the banking system and do not depend on branches being open. Your paycheck or other regular deposits will arrive on schedule, even if it is Veterans Day.
What if I need to dispute a transaction on Veterans Day?
Call your bank's customer service number (on your card or statement) to report the issue. Representatives are often available on holidays, even if branches are closed. They can start the dispute process over the phone and send you forms to sign and return.
Are online bill payments delayed if I submit them on Veterans Day?
No. Bill payments submitted through your bank's online system on Veterans Day are processed normally. The payment may take one to three business days to reach the recipient, depending on the payment method, but the delay is not caused by the holiday.
Can I open a new account on Veterans Day?
Not at a physical branch. Some banks allow you to open certain accounts online or through their mobile app without visiting a branch. Check your bank's website to see whether online account opening is available. If not, you will need to visit a branch on November 12 or later.