Quick answer
Yes, many US bank branches are closed on Veterans Day. In 2026, Veterans Day falls on Wednesday, 11 November 2026. Federal Reserve Financial Services, except the FedNow Service, close for the holiday, and Federal Reserve Banks and Branches observe Veterans Day. Individual commercial banks and branches can set their own opening hours, so check your bank before making a special trip.
What this means
Veterans Day is a federal holiday. In 2026, it is observed on Wednesday, 11 November, and Federal Reserve Financial Services close for the holiday, except for the FedNow Service. FedACH processing ends at 11:30 p.m. ET on 10 November 2026 and resumes at 5:30 p.m. ET on 11 November 2026.
For everyday banking, expect the following:
- Many bank branches will be closed.
- Federal Reserve Banks and Branches observe Veterans Day.
- Most Federal Reserve Financial Services are closed for the holiday.
- ATMs, mobile apps and online banking generally remain available, subject to each bank’s systems and policies.
- Card payments can usually still be made.
- Some transfers, cheque deposits and other transactions may not complete on the normal timetable.
Branches in supermarkets, airports or other non-standard locations may follow different opening hours. Check the specific branch if you need an in-person service on Veterans Day.
Common scenarios
Paying bills: Schedule time-sensitive payments before Veterans Day where possible. A payment submitted on the holiday may be accepted electronically but may not complete processing until banking services resume.
Depositing a cheque: Mobile deposit may still be available, but submitting a cheque does not mean the funds become available immediately. The bank’s funds-availability policy determines when you can use the money.
Moving money: Transfers between accounts at the same bank may still appear immediately. Transfers involving another financial institution can take longer when normal Federal Reserve services are unavailable.
Visiting a branch: Check the branch’s opening hours before travelling. Many branches close for Veterans Day, but schedules vary between banks and locations.
Taking time off: Veterans Day is a federal holiday, and federal employees observe it on Wednesday, 11 November 2026. Private-sector employers are not generally required to provide the day off, so confirm your employer’s holiday policy before arranging leave, travel or childcare.
How to plan this in Offdays
Add 11 November 2026 to your leave plan, then mark any banking task that must be completed in person. Offdays can help you see the holiday beside your existing leave and avoid booking appointments when local branches may be unavailable.
For a longer break, check whether your employer observes Veterans Day and whether you have enough leave to add days either side. Keep banking separate from leave approval: a federal holiday can affect services even if it is an ordinary working day for you.
Browse more US holiday planning guidance or return to the Offdays blog for other dates that may affect your plans.