You know what’s funny. Every year, I find myself checking whether banks are open or closed on Veterans Day. And honestly, I’m guessing you’ve had the same confusion. So let’s clear it up in the simplest, friendliest way possible.
The Short Answer
Yes most banks are closed on Veterans Day, because it’s a federal holiday in the United States.
Veterans Day honors all military veterans, and since it’s recognized at the federal level, many major banks take the day off.
Why Banks Close on Veterans Day
The truth is, Veterans Day is a federally observed holiday, which means:
- Federal offices close
- U.S. Postal Service closes
- Many banks close
- Financial markets may have modified hours
Banks follow federal schedules because they rely on government-related processing systems.
Are All Banks Closed
Here’s where it gets interesting.
Most banks are closed, but some branches may still operate limited services.
For example:
- Some banks keep ATM support
- Mobile banking and apps remain active
- Online transactions still work
- Customer service chatbots may remain available
So even if the physical branch is closed, you can still:
- Transfer money
- Deposit checks using mobile deposit
- Pay bills
- Check balances
- Use your debit/credit card normally
What About Credit Unions
This might surprise you:
Most credit unions are also closed on Veterans Day because they usually follow the same federal holiday schedule as banks.
ATM, Debit Cards, and Online Banking Still Work
Think about this even when the bank building is closed, your money doesn’t freeze.
You can still:
- Use ATMs
- Swipe your card
- Shop online
- Transfer funds
- Deposit digitally
The only thing you may not be able to do is handle in-person services or speak to a live banker.
Can You Cash a Check on Veterans Day
If it’s through:
- An ATM
- Mobile deposit
Then yes, you can still deposit it.
But if you want:
- Face-to-face check cashing
Then no, you’ll need to wait until the bank reopens.
What If You Need Something Urgent
Here’s a practical tip:
- Use your bank’s mobile app
- Try the 24-hour automated phone system
- Check their online support portal
- If it can wait, plan for the next business day
Honestly, I’ve learned that 90% of banking needs can be handled digitally these days.
Other Financial Services on Veterans Day
Here’s what’s usually open or closed:
| Service Type | Open or Closed |
| Bank branches | Closed |
| Credit unions | Closed |
| U.S. Postal Service | Closed |
| UPS / FedEx | Generally open |
| Stock market | Usually open |
| Online banking | Open |
| ATMs | Open |
FAQs
Are banks closed on Veterans Day 2025
Yes. Every year, Veterans Day falls on November 11, and most banks are closed.
Is Veterans Day a federal holiday
Yes it’s officially recognized by the U.S. government.
Can I still use my debit card or ATM
Yes, completely. Those services continue 24/7.
Do direct deposits go through on Veterans Day
Sometimes they may be delayed. Some deposits may be processed on the next business day.
Are bank call centers open
Most are closed or limited, but automated phone service is usually active.
Final Thoughts
Yes, banks are closed on Veterans Day, because it’s a federal holiday. But thankfully, mobile and digital banking still give you access to almost everything you need.
If I were you, I’d plan any in-person transactions for the day before or after the holiday.
And honestly, beyond the banking part, Veterans Day is also a great time to pause and appreciate the people who served.
Summary
Most banks close their physical locations on Veterans Day, but digital banking is still fully available. Next time the holiday comes around, you’ll know exactly what to expect.
If you want, I can also create related posts like:
- Are banks open on Presidents Day
- Do banks process payments on weekends
- What holidays do banks close