Did you know over 40% of ACH and wire transfers settle the next business day? A single federal holiday can move billions in payments. With Veterans Day 2025 on Tuesday, November 11, many wonder if banks are closed and if the stock market is open.
They’re curious about how their money moves, from bill pay to direct deposits.
Veterans Day is a Federal Reserve bank holiday. So, most branches and credit unions will close for in-person service. ATMs and apps are available, but processing might be delayed until Wednesday.
This timing is key for rent, payroll, and transfers. The New York Stock Exchange and Nasdaq will operate as usual. This means the stock market is open for equities. But, the U.S. bond market, guided by SIFMA, will close.
This guide helps you understand what’s open in finance today. It covers how the Fed schedule affects payments and if banks are open on Veterans Day. It also talks about what to expect from the stock market versus fixed income.
It also covers mail and shipping changes that can affect checks and documents. Read on to plan around the holiday and avoid stalled payments. Stay tuned to market today.
Veterans Day 2025 Overview and Why It Impacts Banking and Markets
Veterans Day brings closures in banking, markets, and government services every year. People ask what is closed, what offices are closed, and if there’s mail. These questions affect how we plan our financial activities.
What Veterans Day Commemorates
Veterans Day honors all who served in the U.S. Armed Forces. It started in 1919 as Armistice Day to mark World War I’s end. In 1954, it was renamed Veterans Day to honor all U.S. war veterans.
This day is special because it celebrates both living and deceased veterans. This is why we see closures and public ceremonies across the country.
Why Nov. 11 Is a Federal Holiday Every Year
November 11 is set to the armistice date, so it doesn’t change like other holidays. As a federal holiday, it leads to reduced hours and paused functions. This is why people check if mail runs on Veterans Day before visiting the post office.
Because the Federal Reserve observes the day, banks and payment systems adjust their schedules. This helps explain what’s closed on Veterans Day in finance and government.
How Federal Holidays Affect Business Operations
When the federal calendar stops, bank branches often close. But ATMs and mobile apps might have delays. This affects things like payroll and wire transfers.
USPS offers limited services, so many wonder if there’s mail. Private carriers might work as usual, but government offices and courts have reduced hours. These patterns are key to understanding Veterans Day closures in banking, shipping, and markets.
Federal Reserve Holiday Schedule and How It Applies on November 11
Veterans Day in 2025 is on Tuesday, November 11. It’s a holiday for the Federal Reserve. People often check if banks are open or if markets are closed today.
Key takeaway: on a Federal Reserve holiday, many payments queue for the next business day. This affects how deposits post and wires settle.
Veterans Day Listed as a Standard Federal Reserve Holiday in 2025
The Federal Reserve’s holiday list includes Veterans Day on November 11, 2025. It’s also listed for Thanksgiving on November 27 and Christmas on December 25. This helps answer if the market is closed today or tomorrow.
People and businesses use this calendar for planning. It shows when market open today news doesn’t mean same-day settlement.
What Federal Reserve Service Changes Mean for Consumers
On a Federal Reserve holiday, services like FedACH adjust. This can delay mobile check deposits, interbank transfers, and wires. ATMs and apps might work, but postings can wait until the next business day.
Even if stocks trade, funds movement can be slow. This is important for urgent bills, payroll, and last-minute transfers.
When Payment Processing Typically Resumes After the Holiday
After Tuesday, November 11, processing starts again on Wednesday, November 12. Files are submitted, and systems catch up. If you wonder if the market is closed today, ask if it’s open tomorrow instead.
By midweek, banks usually clear holiday backlogs. If you’re worried about tomorrow, plan a day early to ensure funds are ready.
Are Banks Closed on Veterans Day
Many people wonder if banks are open on Veterans Day. They also check what’s closed today to plan their banking. Knowing if banks are open helps them decide if they should go in person or use online services.
Most Bank Branches and Credit Unions Will Be Closed Tuesday, Nov. 11
Veterans Day is a Federal Reserve holiday. So, most Bank of America, JPMorgan Chase, Wells Fargo, U.S. Bank, and credit unions like Navy Federal and Pentagon Federal branches will be closed. This answers the question of whether banks are open on Veterans Day.
Customers need to plan for teller visits, safe deposit access, and notarizations. If they missed the cutoff, the closure explains delays in cashier’s checks, wires, and in-branch support.
ATMs Remain Available; Online Banking May Be Limited or Delayed
ATMs are open for cash withdrawals and some deposits. But, deposits and interbank transfers might not be processed until the next day. Online and mobile banking are available, but bill payments and Zelle transfers may be delayed.
For those checking if banks are closed today or what’s closed today, expect pending payments. Card transactions and balance checks are okay, but statement updates might be late.
Normal Banking Hours Resume Wednesday, Nov. 12
Branches open on Wednesday, November 12, at regular hours. Backlogs from Tuesday are cleared, and payments start to settle. This answers the question of whether banks are closed on Veterans Day and when normal service resumes.
If customers wondered if banks were closed yesterday, they’ll see activity once operations start again. Planning ahead helps avoid missed deadlines and ensures payments are made on time.
Major Banks and Credit Unions Affected
Many people plan to deposit cash, make wire transfers, or get advice at bank branches on Veterans Day. But most branches will be closed. Online services, though, will be available. Investors also wonder if the stock market is open and if bond trading stops.
Branches for big banks like Bank of America, Chase, and Wells Fargo will be closed. But you can use mobile check deposit and Zelle. Some transactions might clear the next business day. This leads to questions like are markets closed today and is stock market closed today.
Is the Stock Market Open on Veterans Day
Yes, the stock market is open on Veterans Day. This is the same as any other trading day in the U.S. So, if you ask is the stock market open on veterans day, the answer is yes.
But, bond trading is different. It stops on Veterans Day. This can affect ETFs, bond funds, and rebalancing your portfolio.
NYSE and Nasdaq Operating Status on Nov. 11
The New York Stock Exchange and Nasdaq will follow their usual hours on Tuesday, Nov. 11. So, if you wonder is the nyse open on veterans day, the answer is yes.
Equity trading goes on as usual. Liquidity and market depth are normal. But bond desks will be closed.
Are Markets Closed Today vs. Open Today: What to Know
Banking and trading have different rules. Bank branches are closed, but you can use online banking. Investors will find equity trading open, but bond trading closed.
| Service | Status on Nov. 11 | Notes | Common Question Addressed |
|---|---|---|---|
| Bank Branches (BofA, Chase, Citi, Capital One, PNC, Santander, TD, Truist, Wells Fargo) | Closed | ATMs and mobile apps available; some transactions post next day | are markets closed today (banking hours vs. trading hours) |
| NYSE Equities | Open | Regular session hours | is the nyse open on veterans day; are the markets open today |
| Nasdaq Equities | Open | Regular session hours | is the stock market open on veterans day; stock market open on veterans day |
| U.S. Bond Market | Closed | Primary and secondary bond trading paused | is stock market closed today (applies to bonds, not stocks) |
Quick tip: For equity trades, the markets are open. But for bonds or branch visits, they’re closed until the next day.
Is the Stock Market Open on Veterans Day 2025
Investors looking to see if the stock market is open on Veterans Day will find a mixed schedule. Equity trading goes on as usual, but fixed income takes a holiday. For a clear view of hours and what’s open, check this update on whether markets are open on Veterans.
U.S. Stock Exchanges Remain Open on Nov. 11
The New York Stock Exchange and Nasdaq are open on Monday, Nov. 11, 2025. Stocks and ETFs trade as they normally do, with the market opening in the morning and closing in the afternoon. Anyone wondering if the stock market is closed on Veterans Day will find it open for stocks and ETFs.
If you see that the stock market is closed today, it’s for different types of assets. Stocks are open on this holiday, though.
Bond Market Closure per SIFMA Holiday Guidance
U.S. Treasury, agency, and corporate bond trading stops on Nov. 11, as per SIFMA. This means settlement and pricing in fixed income pause, even as stocks trade. This setup helps investors plan their moves across different assets on Veterans Day.
Traders watching both markets can place orders wisely. Stocks trade as usual, but bond desks are closed for the day.
Next Full Stock Market Closure: Thanksgiving Day, Nov. 27, 2025
The next time the stock market closes is on Thanksgiving Day, Thursday, Nov. 27, 2025. Until then, U.S. exchanges operate as usual, unless there’s a special notice. After Nov. 11, the markets will return to normal the next day.
For those planning ahead, remember that stocks are open on Nov. 11, but closed on Thanksgiving.
| Date | Asset Class | Status | Typical Hours | Notes |
|---|---|---|---|---|
| Mon, Nov. 11, 2025 (Veterans Day) | U.S. Stocks (NYSE, Nasdaq) | Open | Regular session | Equities trade; is stock market closed on veterans day? No for stocks. |
| Mon, Nov. 11, 2025 (Veterans Day) | U.S. Bonds (Treasury, Corporate) | Closed | N/A | Bond market follows SIFMA holiday; stock market closed today applies to bonds only. |
| Tue, Nov. 12, 2025 | All Major U.S. Markets | Open | Regular session | Normal trading resumes across assets; stock market opens on schedule. |
| Thu, Nov. 27, 2025 (Thanksgiving) | U.S. Stocks (NYSE, Nasdaq) | Closed | N/A | Next full equity closure after Veterans Day. |
Mail, Shipping, and Government Services on Veterans Day
Wondering if there’s mail delivery on Veterans Day? The U.S. Postal Service has the answer. USPS post offices are closed on Tuesday, November 11, for Veterans Day. But, Priority Mail Express is delivered. Regular mail, retail windows, and PO Box services stop until the next business day.
Shippers curious about mail service on Veterans Day? Private carriers like UPS and FedEx have you covered. Their stores stay open, and standard pickups and deliveries keep going. This means you can drop off or return packages the same day USPS is closed.
Many public agencies also take the day off. This raises the question, what offices are closed today? Federal buildings, most state offices, and many local government departments shut down. But, essential services might be available, depending on where you are. It’s a good idea to check agency notices before heading out for permits, records, or court matters.
Quick plan: Use USPS only for Priority Mail Express on November 11. Route other shipments through UPS or FedEx. And, always check hours for any government service before you go.
What’s Open and What’s Closed Beyond Banks
Veterans Day changes our daily plans. Many wonder if there’s mail today, who’s open, and what’s closed. The answers depend on the service and brand. You can plan a day out, but always check local hours first.
For market enthusiasts, the question is, is market open today? It varies by location. Stock trading often goes on, but some financial services stop. It’s smart to check before you act.
USPS Post Offices Closed; Limited Priority Mail Express Only
USPS post offices are closed on Veterans Day. If you’re wondering about mail, there’s no regular delivery. Retail counters also close. But, Priority Mail Express is delivered, and tracking updates start again after the holiday.
UPS and FedEx Stores and Shipping Operating as Normal
UPS and FedEx work as usual on November 11. Their stores are open for services like drop-off and printing. This means packages keep moving, even when USPS stops, helping businesses meet deadlines.
Retailers and Restaurants Mostly Open with Possible Veterans Discounts
Most big retailers and restaurants are open. Places like Costco, Aldi, and Home Depot welcome you. Kroger, Wegmans, Petco, and many restaurants offer Veterans Day deals. But, deals can differ by location.
Travelers and families often ask who’s open and what’s closed. Stores might change their hours. A quick call or app check can save you from surprises.
| Service/Business | Status on Nov. 11 | What to Know |
|---|---|---|
| USPS Post Offices | Closed | No regular delivery or retail counters; Priority Mail Express only |
| UPS | Open | Normal pickup, delivery, and store operations |
| FedEx | Open | Standard shipping services and FedEx Office open |
| Costco, Aldi, Kroger, Wegmans | Open | Groceries and clubs operating; check local hours for variations |
| Home Depot, Petco | Open | Typical store hours; curbside and pickup available in many locations |
| IHOP, McDonald’s, Wendy’s, KFC, Sonic, Dunkin’ | Open | Most locations open; select Veterans Day offers for service members |
| U.S. Stock Market | Generally Open | For traders asking is market open today, major stock exchanges often trade while some fixed-income markets close |
Planning Your Financial Errands Around the Holiday
To avoid delays, complete in-branch tasks before Tuesday, November 11. Or wait until Wednesday, November 12, when most branches reopen. ATMs are good for cash, but deposits might post after the holiday. If you’re wondering, is the stock market closed today, check your broker’s notice before ordering.
Bill payments and transfers should be set up early. This way, Federal Reserve pauses won’t delay credits. For investors, equities on the NYSE and Nasdaq trade, but the bond market is closed. This can affect pricing for Treasurys, corporate bonds, and certain ETFs.
If you need to mail checks or forms, USPS is closed except for Priority Mail Express. For same-day needs, UPS and FedEx offer normal service. Those planning for market open tomorrow can rebalance stocks on November 11 and fixed income after bond desks resume.
Travelers and small businesses can prepare payroll files and vendor payments ahead of the long weekend. Anyone wondering, is the market closed on veterans day, should plan for liquidity. This ensures short-term cash needs are met. Keep an eye on Thanksgiving Day, November 27, 2025, as the next broad closure.
Before placing trades, confirm cutoff times and settlement with brokers like Charles Schwab, Fidelity, or TD Ameritrade. This way, you won’t be caught off guard if you’re checking, is the stock market closed today or market open tomorrow for follow-up moves.
Conclusion
On Veterans Day 2025, Tuesday, November 11, most banks and credit unions will be closed. ATMs will be available, and online transactions might settle later. Banking hours return to normal on Wednesday, November 12.
For those wondering if the stock market is open, the answer is yes. The NYSE and Nasdaq will operate as usual. But, the U.S. bond market will close, following SIFMA rules.
Mail and shipping have a special schedule. USPS offices will be closed, except for Priority Mail Express. UPS and FedEx will run their usual operations. This helps businesses keep orders moving.
In short, plan your cash withdrawals early and expect some delays in digital transactions. Stocks will trade, but bonds won’t. The next time the stock market will close is Thanksgiving Day, November 27, 2025. With this information, you can plan your day without surprises.
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