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Veterans Day 2026 falls on Wednesday, November 11. Unlike Labor Day or Columbus Day, it’s a fixed date rather than a Monday holiday, so it doesn’t create a long weekend, just a single midweek closure. Banks and the Federal Reserve are closed, but like Columbus Day, the stock market stays open. Here’s what closes, what stays open, and what to handle before Wednesday.
Key Takeaways
- Veterans Day 2026 is Wednesday, November 11, a single midweek closure, not a long weekend.
- Banks and the Federal Reserve are closed, but the stock market is open. Only the bond market closes.
- ACH transfers and wires initiated November 11 settle Thursday, November 12, so move time-sensitive money by Tuesday, November 10.
- ATMs, debit and credit cards, online banking, and Zelle keep working as normal.
Is the Stock Market Open on Veterans Day?
Yes. The NYSE and Nasdaq trade a full normal session on Wednesday, November 11, 2026. The bond market is the exception, it closes for the day under SIFMA’s recommended schedule, the same pattern as Columbus Day.
What Closes on Veterans Day
- Federal Reserve: Closed. ACH transfers (direct deposits, bill payments, bank-to-bank transfers) process through the Fed, so anything initiated November 11 won’t settle until the next business day.
- Major banks: Most close physical branches, including Bank of America, Chase, Wells Fargo, Citi, U.S. Bank, and PNC.
- Post offices: USPS is closed; no mail delivery.
- IRS and Social Security Administration: Federal offices are closed, so expect a one-day delay on anything you were expecting by November 11.
What Still Works on Veterans Day
- Stock market: Fully open, regular trading hours on both the NYSE and Nasdaq.
- ATMs: Available as normal for cash withdrawals.
- Debit and credit card purchases: Work normally, since point-of-sale transactions aren’t affected by banking holidays.
- Online and mobile banking: Account access, balances, and internal transfers within the same bank typically work. What doesn’t work is moving money between different banks via ACH.
- Zelle: Transfers between enrolled users usually process within minutes and are generally not affected, though some banks have internal processing variations.
What Gets Delayed
- ACH transfers: Bank-to-bank transfers initiated November 11 settle Thursday, November 12, instead of the same day. To pay a bill due around November 11, start the transfer by November 10.
- Direct deposits: If your pay date falls on November 11, most employers process payroll in advance so it arrives November 10. Confirm with your employer if you’re unsure.
- Wire transfers: Domestic wires run through Fedwire, which is closed on federal holidays, so a wire initiated November 11 settles November 12.
- Bond trades: The bond market is closed under SIFMA’s recommended schedule, so fixed-income orders wait until November 12.
What to Do Before November 11
If any of these are coming up, handle them on Tuesday, November 10, or earlier:
- Bill payments due on or around November 11 that go through ACH.
- Bank-to-bank transfers you need settled before the holiday.
- Wire transfers for real estate closings or other time-sensitive deals.
- In-branch needs like notarization, cashier’s checks, or safe deposit box access.
- Mortgage or loan closings scheduled for November 11, which usually need to be rescheduled.
Veterans Day also lands right in the middle of the holiday shopping season this year, one week after Prime Big Deal Days and about two weeks before Black Friday. If you’re mapping out a holiday budget, our current HYSA rates guide and best budgeting apps roundup can help you park and track the cash.
FAQ
Is the stock market open on Veterans Day 2026?
Yes. The NYSE and Nasdaq trade a full normal session on Wednesday, November 11, 2026. Only the bond market is closed for the day.
Are banks open on Veterans Day?
Most bank branches and the Federal Reserve are closed. ATMs, cards, and online banking still work, but ACH transfers between banks are delayed.
Will my direct deposit be late?
Usually not. Most employers process payroll in advance, so a deposit scheduled for November 11 typically arrives November 10. Confirm with your employer if you depend on the timing.
When will a transfer sent on November 11 arrive?
An ACH transfer or domestic wire initiated November 11 settles on Thursday, November 12, the next business day.
Bottom Line
Banks, the Fed, and federal offices are closed for Veterans Day on Wednesday, November 11, 2026, but the stock market trades normally, only the bond market takes the day off. Cards, ATMs, online banking, and Zelle keep working, but ACH transfers and wires are delayed until Thursday, November 12, so take care of anything time-sensitive by November 10.
This guide is for informational purposes only. Holiday observance can vary by institution, so it’s worth confirming closures and processing times with your specific bank.
