Most banks close on Veterans Day, but some branches and online services 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 online banking, mobile app, and ATM access continue to work normally.
Some credit unions and smaller regional banks keep branches open on Veterans Day, so if you bank with a local institution, call ahead or check their website to confirm. The Federal Reserve also closes on Veterans Day, which means wire transfers and some other services may process more slowly that day.
If you need cash or want to deposit a check on Veterans Day, plan to use an ATM or mobile deposit before the holiday arrives. If you have a time-sensitive transaction, handle it the business day before.
Key Takeaways
- Major national banks close all branches on Veterans Day, but ATMs and online banking remain available.
- Credit unions and community banks may stay open, so contact your bank directly if you are unsure.
- Wire transfers and other services that depend on the Federal Reserve may take longer on Veterans Day.
- Mobile deposit and ATM withdrawals work on the holiday, so you can handle basic transactions without visiting a branch.
- If you have a payment or deposit due on Veterans Day, submit it the day before to avoid delays.
Which banks definitely close on Veterans Day
All branches of the "Big Four" banks — Bank of America, Chase, Wells Fargo, and Citibank — close on Veterans Day. US Bank, PNC, TD Bank, and KeyBank also close their branches nationwide. If you bank with any of these institutions, you cannot visit a physical location on November 11.
Online banking, debit card transactions, and ATM access work normally on Veterans Day at all these banks. You can check your balance, transfer money between your own accounts, and withdraw cash from any ATM in the network. Deposits made through mobile app or ATM will post when the bank reopens the next business day.
Credit unions and smaller banks may have different hours
Credit unions are not required to close on federal holidays, though many do. Some credit unions stay open on Veterans Day with normal or reduced hours. Call your credit union's main number or check their website to find out whether your branch is open.
Regional and community banks vary widely. A local bank in your area might close, or it might stay open with a skeleton staff. The only way to know is to contact them directly or look at their holiday hours online. If you use a bank you are unsure about, call the branch or check their website by November 10.
What services slow down on Veterans Day
Wire transfers initiated on Veterans Day may not process until the next business day because the Federal Reserve does not operate on federal holidays. If you are sending money to another bank account, initiate the transfer on November 10 if the money needs to arrive quickly.
Check clearing also moves more slowly. A check you deposit on Veterans Day will not clear until the bank reopens. For this reason, mobile deposit or ATM deposit on November 10 is faster than waiting until the holiday.
Loan applications, mortgage processing, and other services that require bank staff review will not move forward on Veterans Day. If you are waiting for a decision, expect the timeline to extend by one business day.
How to handle banking needs on Veterans Day
Plan ahead by handling deposits and withdrawals before November 11. Use mobile deposit to photograph and submit checks from your phone — this works on the holiday and posts the next business day. Withdraw cash from an ATM on November 10 if you know you will need it on the 11th.
If you need to pay a bill on Veterans Day, use your bank's online bill pay service, which processes on the holiday and sends the payment on the next business day. Set up automatic payments for recurring bills so you do not have to think about holiday closures.
For time-sensitive transactions like wire transfers or loan applications, complete them on November 10. If you miss that window, the transaction will process on November 12 or later.
What stays open on Veterans Day
ATMs at your bank's branches and partner networks work 24/7, including on Veterans Day. You can withdraw cash, deposit checks (if your ATM has mobile deposit), and check your balance anytime.
Online banking portals and mobile apps stay live on the holiday. You can log in, transfer money between your accounts, pay bills, and view your transaction history. Debit card purchases also process normally on Veterans Day.
Some banks offer phone support on Veterans Day, though wait times may be longer. Check your bank's website or the back of your debit card for the customer service number and holiday hours.
Frequently Asked Questions
Can I deposit a check on Veterans Day?
Yes, if your bank's ATM has mobile deposit or a physical deposit slot. The check will post to your account the next business day. If you need the money to clear faster, deposit it on November 10 instead.
Will my direct deposit process on Veterans Day?
Direct deposits scheduled for Veterans Day may arrive late because the Federal Reserve is closed. If your paycheck is due on November 11, it may not hit your account until November 12. Contact your employer's payroll department if you are concerned about timing.
Can I use my debit card on Veterans Day?
Yes. Debit card transactions process normally on Veterans Day. You can make purchases, withdraw cash from ATMs, and use your card at any merchant that accepts it.
What if I need to speak to a banker on Veterans Day?
Most banks do not have staff available on Veterans Day. Call the customer service number on your bank's website or debit card to see if phone support is available. For non-urgent questions, wait until November 12 when branches reopen.
Do online banks close on Veterans Day?
Online-only banks like Ally, Charles Schwab Bank, and Discover Bank do not have physical branches, so there is nothing to close. Your account remains accessible 24/7. Customer service phone lines may have reduced hours, but your online access does not change.