Yes, most banks are closed on Veterans Day. Veterans Day is always November 11; the next one is in 2026. The Federal Reserve is closed, so most banks close too, and USPS does not deliver mail. The NYSE and Nasdaq stay open. 20 days until .
- Banks: most closed. Banks follow the Federal Reserve schedule; some branches open anyway, so check yours.
- Federal Reserve, FedACH and Fedwire: closed. No. is not a business day for United States (Federal Reserve and banks): Veterans Day.
- USPS: closed. No regular mail delivery and post offices are closed.
- UPS and FedEx: they set their own holiday schedules, so check with the carrier.
- NYSE and Nasdaq: open, normal hours.
- Bond market: closed (SIFMA recommends a full close on November 11, 2026).
- Federal offices: closed (OPM federal holiday).
- Is it a business day? No. is not a business day for United States (federal): Veterans Day.
Today is Thursday, October 22, 2026. Count your own dates with the business days calculator.
What’s open and closed on Veterans Day 2026 and 2027
| Institution | Wed Nov 11, 2026 | Thu Nov 11, 2027 |
|---|---|---|
| Federal offices (OPM) | Closed | Closed |
| Federal Reserve Banks, FedACH, Fedwire | Closed | Closed |
| Most banks and credit unions | Closed (check your branch) | Closed (check your branch) |
| USPS mail delivery and post offices | Closed | Closed (2027 USPS schedule not yet published) |
| UPS and FedEx | Check with the carrier | Check with the carrier |
| NYSE and Nasdaq | Open | Open |
| Bond market (SIFMA) | Closed | Not yet published |
| Public schools | Varies by district | Varies by district |
On the Federal Reserve calendar: No. is not a business day for United States (Federal Reserve and banks): Veterans Day. No. is not a business day for United States (Federal Reserve and banks): Veterans Day.
Is Veterans Day a business day?
No, not for banks or the federal government. Veterans Day is one of the 11 US federal holidays, so a business-day count that uses the federal calendar skips it. No. is not a business day for United States (federal): Veterans Day.
Many private employers stay open, and the stock market trades, so “business day” depends on who you are dealing with. A shipping promise of “5 business days” from a retailer may still count November 11; a bank transfer will not. When in doubt, ask whether the count follows the federal (bank) calendar.
How we count: a business day is a weekday that is not a holiday on the chosen calendar. Weekends never count. Want business days until the holiday? There are 13 business days on the United States (federal) calendar between today and , not counting either day.
Direct deposit, ACH and checks on Veterans Day
FedACH and Fedwire do not settle on Veterans Day, so no ACH payment or direct deposit lands that day. A payment scheduled for November 11 usually arrives on the business day before or after, depending on your employer or biller.
- Last bank business day before Veterans Day 2026: 1 business day before is , excluding United States (Federal Reserve and banks) holidays.
- Next bank business day after Veterans Day 2026: 1 business day after is , excluding United States (Federal Reserve and banks) holidays.
- Checks and mobile deposits made on November 11 are normally treated as received on the next business day, which can push funds availability back by a day.
- Card payments, ATMs and online banking keep working; only the settlement waits.
If a deadline is “within 3 business days” of a date near the holiday, put the dates into the business days calculator with US holidays turned on, or look up the date a number of business days from today.
Is there mail on Veterans Day?
No. Veterans Day is on the USPS list of holidays with no mail service, so there is no regular delivery and post offices are closed. On the 2026 USPS schedule that is Wednesday, November 11, 2026. Mail resumes the next delivery day. Self-service kiosks and blue collection boxes may still be available, but collected mail will not move until mail service resumes.
UPS and FedEx are private companies with their own holiday schedules, which can change pickup and drop-off times around holidays. Check the UPS or FedEx holiday schedule before you ship.
Is the stock market open on Veterans Day?
Yes. Veterans Day is not an NYSE or Nasdaq holiday, so both exchanges trade normal hours (9:30 am to 4:00 pm ET). Yes. is a business day for NYSE and Nasdaq (stock market).
Stock market open, bond market closed
Veterans Day is one of the few days when the two US markets split. Stocks trade, but SIFMA, the bond industry group, recommends a full close of the US bond market. With the Fed closed as well, Treasury and corporate bond trading is thin to nonexistent, and trades that need cash settlement wait until the next business day. The stock market holiday schedule lists the other days stocks and bonds part ways.
For investors this means stock orders execute as usual, but cash from a sale may not be available to withdraw to a bank account until the Fed reopens. Columbus Day works the same way. Good Friday is the reverse: banks open, markets closed.
Veterans Day dates 2026–2030 and observed days
Veterans Day is always November 11, whatever the weekday. When it falls on a weekend, the day off moves, and the rules differ by institution.
| Year | November 11 is a | Federal offices (OPM) off | Federal Reserve and banks | NYSE |
|---|---|---|---|---|
| 2026 | Wednesday | Wed Nov 11 | Closed Wed Nov 11 | Open |
| 2027 | Thursday | Thu Nov 11 | Closed Thu Nov 11 | Open |
| 2028 | Saturday | Fri Nov 10 (observed) | Reserve Banks open Fri Nov 10; Board of Governors closed | Open |
| 2029 | Sunday | Mon Nov 12 (observed) | Closed Mon Nov 12 | Open |
| 2030 | Monday | Mon Nov 11 | Closed Mon Nov 11 | Open |
The engine’s answer for each year:
- 2027: No. is not a business day for United States (Federal Reserve and banks): Veterans Day.
- 2028, federal offices: No. is not a business day for United States (federal): Veterans Day (observed), for the holiday on .
- 2028, banks: Yes. is a business day for United States (Federal Reserve and banks).
- 2029: No. is not a business day for United States (Federal Reserve and banks): Veterans Day (observed), for the holiday on .
- 2030: No. is not a business day for United States (Federal Reserve and banks): Veterans Day.
USPS and SIFMA publish their schedules a year at a time, so the mail and bond rows for 2027 onward are confirmed only once those calendars come out. See every holiday in one place on our US federal holidays 2025–2030 list.
Are schools closed on Veterans Day?
It depends on the district. Veterans Day is a federal holiday, but public schools are run by states and local districts, and many stay open, often with assemblies for veterans. Check your district’s school calendar. Colleges and universities set their own schedules too.
Remembrance Day in Canada
Canada marks November 11 as Remembrance Day. It is a general holiday for federally regulated employers under the Canada Labour Code, and a statutory holiday in some provinces (British Columbia and Alberta, for example), but not a public holiday under Ontario’s Employment Standards Act. No. is not a business day for Canada (federal statutory): Remembrance Day. Canadian bank branches set their own hours on the day, so check with your bank.
Veterans Day FAQ
Is Veterans Day a bank holiday?
Yes. Veterans Day is on the Federal Reserve’s holiday list, so the Fed is closed and most banks close their branches. Online banking, ATMs and card payments still work, but transfers settle on the next business day.
Is there mail delivery on Veterans Day?
No. USPS does not deliver regular mail on Veterans Day and post offices are closed. UPS and FedEx set their own holiday schedules, so check with the carrier.
Is the stock market open on Veterans Day?
Yes. The NYSE and Nasdaq are open normal hours on Veterans Day. The bond market follows SIFMA’s recommendation, which for 2026 is a full close.
Will my direct deposit come on Veterans Day?
Not on the day itself, because ACH does not settle on Fed holidays. Some employers send pay a business day early when payday falls on Veterans Day; others pay the next business day. Ask your payroll team which rule they use.
Is Veterans Day a paid holiday for private employers?
No federal law requires private employers to give the day off or pay for it. Federal workers get it off, and many state and local governments do too; private companies decide for themselves.
More holiday answers
- Holidays: what’s open and closed
- Are banks open on Black Friday?
- Business days until Thanksgiving, Christmas and more
- US federal holidays 2025–2030
- Business days calculator
Sources (last checked October 21, 2026): OPM federal holidays, Federal Reserve Financial Services holiday schedules, Federal Reserve Board holidays, NYSE holidays and trading hours, Nasdaq trading calendar, SIFMA holiday recommendations, USPS holidays, UPS holiday schedule, FedEx holiday schedule, Canada.ca general holidays.