With Veterans Day right around the corner, many Americans are wondering when are banks closed for Veterans Day this year. Whether you need to make a deposit, pay bills, or handle important financial transactions, knowing your bank’s holiday schedule can save you from potential delays.
In 2025, Veterans Day will be observed on Tuesday, November 11, and most banks across the United States will close their branch locations in recognition of the federal holiday. Here’s everything you need to know about bank closures, available services, and how to plan your finances before the holiday.
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Why Banks Close on Veterans Day
Veterans Day is a federal holiday dedicated to honoring the brave men and women who have served in the U.S. Armed Forces. Because it is a Federal Reserve Bank holiday, all major banks follow the national closure schedule.
This means that bank branches, federal offices, and most government agencies will be closed on November 11. However, online and mobile banking services will remain available for customers who need to access their accounts digitally.
The holiday provides an opportunity not just to pause business operations, but to reflect on the service and sacrifice of veterans nationwide.
Bank Closure Details for 2025
In 2025, Veterans Day falls on Tuesday, November 11.
All major national and regional banks will close physical branch locations for the day.
Banks Closed on Veterans Day 2025:
- Bank of America
- Wells Fargo
- Chase Bank
- Citibank
- U.S. Bank
- PNC Bank
- Truist Bank
- Capital One
- TD Bank
- Regions Bank
While these institutions will not open for in-person services, most will continue offering ATM, mobile app, and online banking access so customers can perform basic transactions.
Credit unions and smaller community banks will typically follow the same schedule, though some might operate limited hours inside retail stores like grocery chains.
What Services Are Still Available
Even though physical branches will close, you’ll still be able to access many financial tools and services on Veterans Day.
Here’s What You Can Still Do:
- Use ATMs: Withdraw cash or check balances at ATMs nationwide.
- Access Mobile Banking: Deposit checks, transfer funds, and manage your account via your bank’s mobile app.
- Online Banking: Schedule bill payments, check statements, or initiate transfers (which will process the next business day).
- Debit and Credit Card Transactions: Purchases and withdrawals will still work as usual, though settlement may take an extra day.
- Customer Service Lines: Some banks will keep their phone support and chat services open, though response times may be slower due to limited staff.
Financial Transactions Affected by the Closure
Certain financial services are tied to the Federal Reserve’s operating schedule, meaning any transactions that rely on real-time bank processing will be delayed until the next business day, Wednesday, November 12.
Services That May Be Delayed:
- Wire Transfers: Domestic and international wires will not be processed until banks reopen.
- ACH Payments: Automated Clearing House (ACH) transfers will pause for the day.
- Direct Deposits: Some payroll deposits could be delayed by one business day.
- Loan Payments: Scheduled payments will still post but may reflect with a one-day delay on your account.
If you have bills due or transfers planned for November 11, it’s best to schedule them earlier to ensure on-time processing.
How to Prepare for Veterans Day Bank Closures
Planning ahead is key to avoiding inconvenience when banks close for Veterans Day. Here are some simple steps you can take:
1. Complete In-Person Transactions Early
Visit your branch before November 11 if you need to deposit large checks, request a cashier’s check, or complete loan paperwork.
2. Use Mobile Banking
Most banks’ mobile apps allow remote check deposits and transfers. This ensures that even while branches are closed, you can handle essential transactions from your phone.
3. Schedule Payments in Advance
If you have bills or loan payments due on November 11, schedule them for November 10 to prevent any late processing.
4. Withdraw Cash Early
ATMs remain operational during bank holidays, but some machines may run out of cash in busy areas. Make withdrawals a day or two early to avoid the rush.
5. Check for Credit Union Exceptions
While most credit unions follow the same closure schedule, a few community-based institutions may stay open part of the day. Always verify locally.
Federal Reserve and Postal Service Status
Since Veterans Day is a federal holiday, the Federal Reserve System and U.S. Postal Service will also be closed.
This impacts:
- Check processing: Banks cannot clear or settle interbank checks.
- Mail delivery: USPS will not deliver regular mail or packages, though Priority Mail Express may still operate.
- Government offices: Most non-essential federal and state offices will be closed.
However, private courier services like UPS and FedEx are expected to operate normally, although some locations may modify hours.
Will the Stock Market Be Open?
Interestingly, the New York Stock Exchange (NYSE) and NASDAQ will remain open on Veterans Day.
This means stock trading will proceed as normal on Tuesday, November 11, 2025. However, investors should keep in mind that related financial settlements involving banks could experience a one-day delay.
What About Online-Only Banks?
If you primarily use online-only banks such as Ally Bank, Chime, SoFi, or Discover Bank, you won’t notice much difference on Veterans Day. These digital banks don’t rely on physical branches, but they still use the Federal Reserve’s payment system, so transfers and deposits may experience minor delays.
Your access to apps, online dashboards, and customer support will remain available 24/7.
Other Businesses and Services on Veterans Day
Aside from banks, many other institutions adjust their schedules for the holiday:
- Federal and State Offices: Closed.
- Public Schools: Most are closed, depending on local districts.
- Post Offices: Closed for mail delivery.
- Grocery Stores and Retail Chains: Typically open with regular hours.
- Restaurants and Gas Stations: Open as usual.
So, while financial institutions take a break, most retail and essential services will continue to operate normally.
A Brief Reminder About Veterans Day
Veterans Day is observed annually on November 11, marking the anniversary of the armistice that ended World War I in 1918. It’s a day to honor all U.S. military veterans — both living and deceased — who have served in the nation’s armed forces.
Unlike Memorial Day, which honors those who died in military service, Veterans Day recognizes all who have served and continue to serve. The closure of banks and government offices is one small way the nation collectively pauses to express gratitude.
Final Thoughts
So, when are banks closed for Veterans Day? The answer is clear: Tuesday, November 11, 2025, all major banks in the United States will close their physical branches to observe the federal holiday.
While in-person banking will pause for the day, customers can still use online and mobile services, access ATMs, and schedule transactions in advance to ensure uninterrupted account management.
Veterans Day serves as both a reminder of sacrifice and a celebration of service — a day when the nation comes together to thank those who have worn the uniform with honor.
Will you be planning ahead for the Veterans Day banking holiday? Share your thoughts below and stay informed for more updates on federal observances and services.