Wells Fargo branches are closed on Veterans Day, but online banking and ATMs stay open

Wells Fargo observes Veterans Day as a federal holiday and closes all physical branches on November 11. This means you cannot visit a branch in person, speak to a teller, or use branch services that day. However, you can still access your money and conduct transactions through Wells Fargo's online banking platform, mobile app, and ATMs.

Customer service phone lines are also closed on Veterans Day. If you need to reach a representative by phone, you will have to wait until the next business day. For urgent issues that cannot wait, some banks offer holiday customer service, but Wells Fargo does not staff phone lines on federal holidays.

Key Takeaways

  • All Wells Fargo branches close on Veterans Day, November 11, so you cannot conduct in-person transactions that day.
  • Online banking, the Wells Fargo mobile app, and ATMs remain available 24/7, even when branches are closed.
  • Customer service phone lines do not operate on Veterans Day, so you cannot reach a representative by phone that day.
  • Checks and transfers you submit through online banking on Veterans Day will process the next business day.
  • If you need cash, you can withdraw from any Wells Fargo ATM or an ATM in the Allpoint network on Veterans Day.

What you can and cannot do on Veterans Day

On Veterans Day, you cannot deposit checks at a branch, withdraw cash from a teller, open a new account, or speak to a banker about loans or investments. You also cannot use branch services like safe deposit boxes or notary services. Any transaction that requires a Wells Fargo employee will have to wait until the next business day.

You can still pay bills online, transfer money between your own accounts, check your balance, read statements, set up alerts, and deposit checks using mobile check deposit if your account has that feature. You can also withdraw cash from any ATM that accepts your card, including Wells Fargo ATMs and machines in the Allpoint network, which Wells Fargo customers can use without a fee at many retailers and other banks.

When branches reopen after Veterans Day

Wells Fargo branches reopen on the next business day after Veterans Day. If Veterans Day falls on a weekday, branches reopen the following day. If Veterans Day falls on a weekend, branches reopen on the next Monday.

When you visit after the holiday, any transactions you submitted online during the closure will have been processed. Checks you deposited through mobile deposit on Veterans Day will typically clear by the next business day or the day after, depending on when you submitted them and your bank's processing schedule.

Planning ahead for Veterans Day transactions

If you know you will need to visit a branch on or around Veterans Day, plan your visit for the business day before. This is the time to deposit checks at a teller, withdraw large amounts of cash, open accounts, or discuss financial products with a banker.

If you need cash on Veterans Day itself, locate a Wells Fargo ATM or an Allpoint ATM near you before the holiday. You can find ATM locations on the Wells Fargo website or through the mobile app. If you use an out-of-network ATM, you may be charged a fee by that ATM's operator, though Wells Fargo does not charge its own customers for using Allpoint machines.

Mobile check deposit as an alternative to branch visits

If you have checks to deposit and cannot visit a branch before Veterans Day, you can use Wells Fargo's mobile check deposit feature through the mobile app. This feature lets you photograph the front and back of a check and submit it for deposit without going to a branch.

Mobile check deposit is available 24/7, including on Veterans Day. Checks submitted through the app on the holiday will be processed the next business day. There are usually daily and monthly limits on how much you can deposit this way, and these limits vary by account type. Check your account details or the mobile app to see your specific limits.

Other Wells Fargo services on Veterans Day

Wells Fargo's investment and brokerage services, including Advisors and Wells Fargo Investments, are also closed on Veterans Day. If you need to trade stocks, adjust investments, or speak with an advisor, you will have to wait until the next business day.

Credit card services remain available online and through the mobile app. You can make payments, check your balance, dispute charges, and manage your account. Mortgage and home equity services also stay available online, so you can make payments or view loan details anytime.

Frequently Asked Questions

Can I use my Wells Fargo debit card on Veterans Day?

Yes, you can use your debit card to make purchases, withdraw cash from ATMs, and pay bills online on Veterans Day. The card itself works normally. Only branch services are unavailable because the physical locations are closed.

Will my direct deposit process on Veterans Day?

Direct deposits scheduled for Veterans Day may arrive a day late, depending on your employer's payroll system and your bank's processing schedule. If your payday falls on Veterans Day, contact your employer's payroll department to confirm when the deposit will hit your account. Many employers adjust payroll to deposit the day before a federal holiday.

What if I need to dispute a charge on Veterans Day?

You can report a fraudulent or incorrect charge through Wells Fargo's online banking platform or mobile app on Veterans Day. You can also call customer service the next business day. Most disputes have a 60-day window from the transaction date, so reporting on the holiday itself is not necessary unless you are close to that important date.

Can I pay my Wells Fargo loan on Veterans Day?

Yes, you can make loan payments through online banking, the mobile app, or automatic payments on Veterans Day. The payment will be processed the next business day. If your payment due date is Veterans Day, make sure to submit it before the holiday to avoid a late fee.

Are Wells Fargo's phone lines open for any reason on Veterans Day?

No, Wells Fargo's customer service phone lines are closed on Veterans Day. If you have an urgent issue, you can try online chat through the mobile app or website, though response times may be slower. For most matters, waiting until the next business day to call is the most reliable option.