No, banks are closed on Veterans Day. Veterans Day (November 11) is a federal holiday honoring military veterans, which means federally regulated banks close and the Federal Reserve doesn’t process transactions. However, Veterans Day is unique—the stock market stays open while banks close. Here’s everything you need to know.
When Is Veterans Day?
Veterans Day is always observed on November 11, regardless of what day of the week it falls on. However, when November 11 falls on a weekend, the federal observance shifts:
| When Nov 11 Falls | Federal Observance |
|---|---|
| Monday-Friday | November 11 |
| Saturday | Friday, November 10 |
| Sunday | Monday, November 12 |
Veterans Day Dates 2025-2029
| Year | November 11 Day | Bank Closing |
|---|---|---|
| 2025 | Tuesday | Tuesday, Nov 11 |
| 2026 | Wednesday | Wednesday, Nov 11 |
| 2027 | Thursday | Thursday, Nov 11 |
| 2028 | Saturday | Friday, Nov 10 |
| 2029 | Sunday | Monday, Nov 12 |
Unlike most federal holidays, Veterans Day doesn’t always create a three-day weekend—it honors the date itself (the armistice that ended World War I on November 11, 1918).
What’s Closed on Veterans Day?
Veterans Day closures differ from many other federal holidays because not everything shuts down. Banks, government offices, and the post office close, but retailers stay open and—uniquely—so does the stock market.
| Institution | Open on Veterans Day? |
|---|---|
| Banks | ❌ Closed |
| Credit unions | ❌ Closed |
| Federal Reserve | ❌ Closed |
| Stock markets (NYSE, NASDAQ) | ✅ Open |
| Bond markets | ❌ Closed |
| Post office | ❌ Closed |
| Federal government offices | ❌ Closed |
| State government offices | ⚠️ Varies |
| Most retail stores | ✅ Open |
| Schools | ⚠️ Varies |
Important: Veterans Day is one of only two federal holidays (along with Columbus Day) where the stock market remains open while banks close.
What Banking Services Work on Veterans Day?
Electronic banking services continue operating, giving you access to your accounts through apps, websites, and ATMs. The limitation is inter-bank transfers—money moving between different financial institutions must wait until the Federal Reserve reopens.
| Service | Available? | Notes |
|---|---|---|
| ATM withdrawals | ✅ Yes | 24/7 access |
| ATM deposits | ✅ Yes | Processes next business day |
| Mobile banking | ✅ Yes | Full functionality |
| Online banking | ✅ Yes | Full access |
| Debit card payments | ✅ Yes | Works normally |
| Credit card payments | ✅ Yes | Works normally |
| Zelle | ✅ Yes | Instant for enrolled users |
| Same-bank transfers | ✅ Yes | Usually instant |
| Mobile check deposit | ✅ Yes | Clears next business day |
| ACH transfers | ⚠️ Initiated only | Settles next business day |
| Wire transfers | ❌ No | Fed closed |
| Branch services | ❌ No | Closed |
For sending money to friends or family, Zelle provides instant transfers between enrolled bank accounts. Compare your options in our Zelle vs. Venmo vs. PayPal guide.
Major Banks on Veterans Day
All major banks close on Veterans Day, following the Federal Reserve holiday calendar. This applies even to banks that serve military members—the closure is based on Fed operations, not customer demographics.
| Bank | Veterans Day Status | 24/7 ATM Access |
|---|---|---|
| Chase | ❌ Closed | ✅ Yes |
| Bank of America | ❌ Closed | ✅ Yes |
| Wells Fargo | ❌ Closed | ✅ Yes |
| Citi | ❌ Closed | ✅ Yes |
| Capital One | ❌ Closed | ✅ Yes |
| PNC | ❌ Closed | ✅ Yes |
| TD Bank | ❌ Closed | ✅ Yes |
| US Bank | ❌ Closed | ✅ Yes |
| Truist | ❌ Closed | ✅ Yes |
| USAA | ❌ Closed | ✅ Yes |
USAA, which primarily serves military members, also closes on Veterans Day—all banks follow the Federal Reserve calendar regardless of their customer base. For typical hours on regular business days, see our guides for Chase Bank hours, Bank of America hours, and Wells Fargo hours.
Stock Market vs. Banks on Veterans Day
Veterans Day creates a unique situation where you can trade stocks but can’t access traditional banking. This is one of only two holidays (along with Columbus Day) where this split occurs. If you’re an active investor, plan accordingly:
| Activity | Available on Veterans Day? |
|---|---|
| Buy/sell stocks | ✅ Yes |
| Buy/sell ETFs | ✅ Yes |
| Options trading | ✅ Yes |
| Fund brokerage via ACH | ❌ No (won’t settle) |
| Withdraw to bank | ❌ No (won’t settle) |
| Bond trading | ❌ No (market closed) |
| Bank wire to brokerage | ❌ No |
Planning tip: If you want to trade on Veterans Day, ensure your brokerage account is funded by the business day before. ACH transfers initiated on Veterans Day won’t process until the next business day.
How Veterans Day Affects Your Money
Veterans Day often falls mid-week, which can complicate payroll and bill timing differently than Monday holidays. Here’s what to expect:
Direct Deposits
Veterans Day often falls mid-week, which can complicate payroll:
| Payday Situation | When You Get Paid |
|---|---|
| Payday is Nov 11 | Business day before (typically Nov 10) |
| Payday is day after Nov 11 | Usually no change |
| Weekly Friday payday | Usually no change |
Most payroll providers (ADP, Paychex, Gusto) automatically release direct deposits early when payday falls on a federal holiday.
VA Benefits
Veterans Affairs benefits follow a specific schedule:
| Benefit Type | Veterans Day Impact |
|---|---|
| VA disability compensation | Typically arrives Nov 1 (first of month) |
| VA pension | Typically arrives Nov 1 |
| Education benefits | May be delayed if due Nov 11 |
VA benefit payments are typically deposited on the first of the month, so Veterans Day rarely affects them directly.
Social Security
If your Social Security payment date falls on Veterans Day:
| Regular Payment Day | When You Receive Payment |
|---|---|
| November 11 | Business day before |
| After November 11 | Normal schedule |
Bill Payments
| Payment Type | What Happens |
|---|---|
| Autopay scheduled for Nov 11 | Processes next business day |
| Online bill pay | Submit day before for timely processing |
| Mortgage/rent due Nov 11 | Most allow grace period |
Veterans Day 2025: Special Considerations
In 2025, Veterans Day falls on Tuesday, November 11, which creates an interesting week:
| Day | Date | Bank Status | Stock Market |
|---|---|---|---|
| Monday | Nov 10 | ✅ Open | ✅ Open |
| Tuesday | Nov 11 | ❌ Closed | ✅ Open |
| Wednesday | Nov 12 | ✅ Open | ✅ Open |
This mid-week closure means:
- Monday transactions process normally
- Tuesday: Banks closed, but stock market open
- ACH initiated Monday evening processes Wednesday
- No three-day weekend effect
Veterans Day 2028: Weekend Observance
When Veterans Day falls on Saturday (2028), banks observe it on Friday:
| Day | Date | Bank Status |
|---|---|---|
| Friday | Nov 10 | ❌ Closed (observed) |
| Saturday | Nov 11 | (Normal Saturday hours) |
| Sunday | Nov 12 | Closed |
| Monday | Nov 13 | ✅ Open |
This creates a three-day weekend for banking purposes.
Planning Your Banking Around Veterans Day
Because Veterans Day can fall on any day of the week, planning requires checking the calendar each year. Unlike Monday holidays that always create three-day weekends, Veterans Day may mean a mid-week branch closure. Here’s what to complete before the holiday:
| Task | Complete By |
|---|---|
| Large cash withdrawals | Day before |
| Check deposits (need funds) | 2-3 days before |
| Wire transfers | Day before |
| Bill payments due Nov 11 | Day before |
| Fund brokerage for trading | Day before |
What to Do If You Need Banking on Veterans Day
Most everyday banking needs can be handled through digital channels. If you need cash, be aware of your bank’s ATM withdrawal limits—some banks cap daily withdrawals at $500-$1,000.
| Need | Solution |
|---|---|
| Cash | ATM or grocery store cash back |
| Deposit cash | ATM deposit (processes next day) |
| Deposit check | Mobile deposit (clears next day) |
| Pay a bill | Online bill pay or company website |
| Transfer money | Zelle (instant) or app transfer |
| Trade stocks | Brokerage available (markets open) |
| Emergency | 24/7 phone support |
Veterans Day Deals and Services for Veterans
While banks close, many businesses offer special discounts and free services to veterans on November 11. This makes Veterans Day a busy shopping and dining day despite being a federal holiday.
| Business Type | Common Veterans Day Offers |
|---|---|
| Restaurants | Free meals for veterans |
| Retail stores | Discounts for veterans |
| Hotels | Special veteran rates |
| National parks | Free admission |
| Entertainment | Free admission/discounts |
Check individual businesses for veteran ID requirements and specific offers.
Credit Unions on Veterans Day
| Credit Union Type | Veterans Day Status |
|---|---|
| Federal credit unions | ❌ Closed |
| State-chartered credit unions | ❌ Usually closed |
| Navy Federal Credit Union | ❌ Closed |
| USAA Federal Savings Bank | ❌ Closed |
| PenFed Credit Union | ❌ Closed |
Military-focused credit unions follow the same federal holiday calendar as other financial institutions.
Veterans Day vs. Nearby Holidays
Veterans Day sits between Columbus Day and Thanksgiving:
| Holiday | 2025 Date | Banks | Stock Market |
|---|---|---|---|
| Columbus Day | Oct 13 | ❌ Closed | ✅ Open |
| Veterans Day | Nov 11 | ❌ Closed | ✅ Open |
| Thanksgiving | Nov 27 | ❌ Closed | ❌ Closed |
| Day After Thanksgiving | Nov 28 | ✅ Open | ⚠️ Early close (1PM) |
Plan for three potential bank closures within about six weeks during the fall.
Emergency Banking on Veterans Day
If you have an urgent banking need:
| Emergency | Solution |
|---|---|
| Lost/stolen debit card | Call 24/7 fraud hotline |
| Lost/stolen credit card | Call issuer’s 24/7 line |
| Fraud on account | Report through app or phone |
| Need emergency funds | ATM withdrawal, credit card |
| Account access issues | Phone support available |
Major bank 24/7 phone lines:
- Chase: 800-935-9935
- Bank of America: 800-432-1000
- Wells Fargo: 800-869-3557
- Citi: 800-374-9700
- USAA: 800-531-8722
Key Takeaways
| Question | Answer |
|---|---|
| Are banks open on Veterans Day? | No, banks are closed |
| When is Veterans Day? | Always November 11 |
| 2025 Veterans Day | Tuesday, November 11 |
| 2026 Veterans Day | Wednesday, November 11 |
| Is the stock market open? | Yes, regular hours |
| Do ATMs work? | Yes, ATMs available 24/7 |
| When do ACH transfers process? | Next business day |
Bottom line: Banks close on Veterans Day because the Federal Reserve doesn’t operate. However, the stock market remains open—one of only two such holidays. Plan bank-related tasks for the day before, but you can still trade stocks, use ATMs, and access digital banking on November 11.