Opening Paragraph
Are banks closed on Veterans Day 2025? Yes — most U.S. banks will close their physical branches on Tuesday, November 11, 2025, in observance of the federal holiday honoring America’s veterans. As Veterans Day is recognized as a Federal Reserve holiday, major financial institutions across the United States are expected to suspend in-person banking services for the day.
Federal Holiday Schedule and Bank Closures
The Federal Reserve observes Veterans Day as one of its official holidays each year. When the Federal Reserve Banks are closed, many commercial banks also follow suit since key financial services — including check processing, wire transfers, and ACH transactions — depend on the Federal Reserve’s operating schedule.
Therefore, on Tuesday, November 11, 2025, you can expect the following:
- Most major banks, such as Chase, Bank of America, Wells Fargo, Citibank, and U.S. Bank, will close their physical branches.
- Regional and community banks are also likely to remain closed in alignment with the federal holiday schedule.
- Some in-store bank locations (inside grocery or retail stores) may have limited hours or operate with reduced staff, but these are exceptions rather than the norm.
Services That Remain Available
Although banks close their doors on Veterans Day 2025, customers can still access essential financial services through:
- ATMs: Automated Teller Machines will remain operational, allowing cash withdrawals, deposits, and balance checks.
- Online and Mobile Banking: Digital banking platforms will remain accessible for bill payments, money transfers, and account management.
- Customer Support Lines: Many banks maintain 24/7 customer service hotlines or chat support for urgent assistance.
However, keep in mind that transactions processed on Veterans Day — such as transfers or check deposits — may not post until the following business day, Wednesday, November 12, 2025.
Why Banks Close on Veterans Day
Veterans Day is a federal holiday that honors military veterans who have served in the United States Armed Forces. It originated as Armistice Day, marking the end of World War I on November 11, 1918. The observance was renamed Veterans Day in 1954 to recognize veterans of all wars.
Because it is a federal holiday, government offices, including the Federal Reserve, close their operations. Banks, in turn, follow this closure since they rely on Federal Reserve systems for transaction processing, wire transfers, and clearing services.
Other Services Affected by Veterans Day 2025
- Post Offices: The United States Postal Service will suspend regular mail delivery and close its offices nationwide on November 11, 2025.
- Stock Market: The New York Stock Exchange and NASDAQ will remain open. Unlike banks, the stock market continues trading on Veterans Day.
- Federal Offices: All federal government buildings and most state offices will be closed.
- Schools: Many public schools and universities observe the day with closures or commemorative events.
How to Plan Ahead for the Holiday
To avoid banking delays during Veterans Day 2025, consider the following:
| Task | Recommended Action |
|---|---|
| Cash withdrawals | Use ATMs or withdraw cash before November 11 to avoid branch closures. |
| Deposits | Deposit checks ahead of the holiday so they can clear before the Federal Reserve closure. |
| Bill payments | Schedule bill payments early to ensure timely posting. |
| Transfers | Initiate electronic transfers or wire payments at least one business day before November 11. |
| Customer inquiries | Use mobile or online chat support for assistance during the holiday. |
Planning ahead ensures your financial activities are not interrupted by the bank closures on Veterans Day.
Exceptions and Special Cases
While nearly all major banks observe the holiday, there may be limited exceptions:
- Some credit unions or local financial institutions could choose to open on a shortened schedule, depending on their internal policies.
- Online-only banks (such as Ally or Discover Bank) remain accessible 24/7, though transaction posting may still be delayed due to Federal Reserve closure.
- ATM and mobile check deposits can still be made, but funds availability will follow post-holiday processing schedules.
Regardless of these minor variations, the overall banking system treats Veterans Day as a non-business day for most transactions.
When Banks Reopen
All major U.S. banks will resume normal operations on Wednesday, November 12, 2025. Customers can expect standard weekday hours, and pending transactions initiated during the holiday will begin processing once the Federal Reserve reopens.
If you have urgent financial needs or payments around that date, plan to complete them before Monday, November 10, 2025, to ensure timely settlement.
Summary
To summarize, banks will be closed on Veterans Day 2025. The holiday falls on Tuesday, November 11, and most financial institutions across the U.S. will suspend in-person operations in observance of the day. While physical branches close, ATMs and online banking remain fully functional, allowing customers to manage accounts and perform routine transactions.
Veterans Day serves as a moment for Americans to honor those who have served the nation. While the day brings a brief pause to in-person banking, it also offers an opportunity to reflect on the sacrifices of veterans across generations.
In short:
- Date: Tuesday, November 11, 2025
- Bank status: Closed
- Online services: Available
- Stock Market: Open
- Federal Reserve: Closed
Closing Line
As Veterans Day 2025 approaches, plan your banking needs early and take a moment to honor those who served—your transactions can wait, but gratitude cannot.