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Are banks closed on Veterans Day 2025? Yes — for the vast majority of U.S. banks, branch offices will be closed on Tuesday, November 11, 2025, in observance of Veterans Day. This closure follows the official federal holiday schedule observed by federally chartered and most state-regulated financial institutions across the United States.
Why Banks Close on Veterans Day
Veterans Day is one of the eleven federal holidays recognized by the U.S. government each year. On this day, the Federal Reserve Banks and most major financial institutions close to honor America’s military veterans. Since the Federal Reserve system is the backbone of the nation’s banking network, when it closes, the vast majority of commercial banks also suspend in-person operations.
However, this doesn’t mean banking services come to a complete halt. While physical locations will close, essential digital and ATM banking functions will continue to operate as usual.
What This Means for Branches and Services
On Veterans Day 2025, you can expect the following changes across the banking system:
- Branches Closed: Most physical branches, including major national banks and regional banks, will not open on November 11.
- Teller Services Unavailable: Walk-in services, in-person deposits, and cash withdrawals at teller counters will be suspended for the day.
- Drive-Through and Lobby Access: Both will be closed at nearly all locations.
- Online and Mobile Banking: These will remain fully operational, allowing customers to manage accounts, transfer funds, and deposit checks digitally.
- ATM Availability: ATMs will function as normal, though cash replenishment schedules may vary by location.
- Transaction Delays: Transfers, mobile check deposits, and bill payments initiated on Veterans Day may not post until the following business day, Wednesday, November 12.
Why the Key Phrase Matters
The question “are banks closed on Veterans Day 2025” matters for millions of customers who plan financial activities around holidays. Many businesses, payroll departments, and individuals depend on accurate scheduling for deposits, loan payments, and transfers. Understanding when banks are open helps avoid inconveniences like delayed payments or unprocessed transactions.
Veterans Day and the Federal Reserve Holiday Schedule
The Federal Reserve’s official holiday calendar lists Veterans Day as a non-business day, meaning:
- No wire transfers, check clearings, or interbank settlements occur.
- Banks that rely on Federal Reserve operations must also observe the closure.
- Only certain online and automated services run normally, though they may not finalize until the next business day.
While banks will be closed, it’s worth noting that U.S. stock markets, including the New York Stock Exchange (NYSE) and Nasdaq, are typically open on Veterans Day. This distinction often causes confusion, as financial markets and banks don’t always share the same holiday schedule.
Typical Banks That Will Close on Veterans Day 2025
Most major banks will close their physical branches on November 11, 2025. This includes:
- Bank of America
- Chase Bank (JPMorgan Chase)
- Wells Fargo
- Citibank
- U.S. Bank
- PNC Bank
- Truist
- TD Bank
- Regions Bank
- Capital One Bank
Some credit unions and smaller community banks may have limited operations, but the majority will follow the same federal holiday observance.
Services That Remain Available
Even with branches closed, customers can still access most self-service and online tools. Here’s what remains active on Veterans Day:
- Mobile banking apps: Check balances, transfer funds, and pay bills.
- Online banking portals: Access statements, schedule payments, and monitor account activity.
- ATM access: Withdraw cash, check balances, and make basic deposits.
- Customer support lines: Many banks will have limited customer service via phone or chat support for urgent inquiries.
Tips for Customers Ahead of Veterans Day 2025
To avoid any last-minute disruptions, consider the following:
- Complete any in-person banking tasks before Monday, November 10, 2025.
- Schedule automatic bill payments to process before or after the holiday.
- Use mobile deposit early if you need a check cleared quickly.
- If you’re planning a wire transfer, ensure it’s sent by Monday, November 10 to avoid a one-day delay.
- Keep emergency cash on hand, since branch lobbies and drive-thrus will be closed.
Exceptions and Variations
Although most banks will close, some retail branches inside grocery stores or airport locations might operate under special hours. Additionally, online-only banks (such as Ally Bank or Discover Bank) technically remain open digitally but still observe the federal processing delay.
Credit unions may have flexibility, but nearly all will observe Veterans Day as a full holiday closure. If you’re unsure, check your bank’s official 2025 holiday schedule or contact customer service directly.
The Broader Significance of Veterans Day for Banks
Veterans Day is more than just a banking holiday — it’s a national moment of reflection and gratitude. Many banks use the occasion to highlight community programs that support military members, veterans, and their families. Some even host commemorative events or donate to veterans’ charities.
This annual observance offers both employees and customers a chance to honor those who served in the U.S. Armed Forces while recognizing their contributions to the nation’s security and prosperity.
In Summary
To answer clearly: Yes, banks are closed on Veterans Day 2025. Nearly all U.S. banks — including national and regional institutions — will close their physical branches on Tuesday, November 11, 2025, in observance of the federal holiday. Digital, ATM, and mobile banking services will remain available, but transactions will process the next business day.
If you found this update helpful, share your thoughts or tell us how your bank observes Veterans Day 2025 — your experiences help others stay informed.