Most banks are closed on weekends and federal holidays, but some branches and online services operate on Saturday

Whether your bank is open today depends on what day it is, which bank you use, and what you need to do. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank close on Sundays and federal holidays. Many close on Saturdays too, though some branches stay open Saturday mornings. Credit unions and smaller regional banks follow different schedules — some open Saturday, some do not.

If you need to deposit a check, transfer money, or pay a bill, your bank's website or app will show you whether branches are open right now. If you need cash or a teller, you need a physical branch. If you just need to move money between your own accounts, pay a bill online, or check your balance, online banking works 24/7 regardless of branch hours.

Key Takeaways

  • Nearly all banks close on Sundays and federal holidays like Thanksgiving, Christmas, and New Year's Day.
  • Saturday hours vary by bank and by branch — some open 9 a.m. to noon, some all day, some not at all.
  • Your bank's website or mobile app shows the exact hours for your nearest branch right now.
  • Online banking, bill pay, and transfers work around the clock even when branches are closed.
  • ATMs dispense cash 24/7 at most banks, even on days when no teller is working.

How to check if your specific bank is open today

The fastest way is to search "[your bank name] hours" or "[your bank name] near me" on Google Maps. Google pulls real-time hours directly from the bank and shows whether it is open right now, closed, or closing soon. You can also call your branch directly — the number is on your debit card, your bank statement, or your bank's website.

Your bank's mobile app usually has a branch locator with hours for every location near you. Log in, look for "Find a Branch" or "Locations," enter your zip code, and tap the branch you want. The app will show today's hours, Saturday hours, and whether that branch has a drive-through or ATM.

If you cannot find the hours online or by phone, your bank's customer service line (also on your card or statement) can tell you whether your branch is open and what services are available right now.

Federal holidays when all banks close

Banks close on these federal holidays every year: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

When a holiday falls on a weekend, banks usually close on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday. Check your bank's website or call ahead if you are not sure — some banks observe holidays differently.

Saturday and Sunday hours by bank type

National banks like Chase, Bank of America, Wells Fargo, and Citibank are almost always closed on Sunday. Saturday varies: some have branches open 9 a.m. to 1 p.m., some open 9 a.m. to noon, and some close all day. Urban branches tend to stay open longer than suburban or rural ones.

Credit unions often have different hours than national banks. Some credit unions open on Saturday mornings, some stay open until 2 or 3 p.m., and some close on Saturday. Very few credit unions are open on Sunday. Call your credit union or check its website — hours can vary branch to branch.

Online-only banks like Ally, Charles Schwab Bank, and Marcus have no physical branches, so branch hours do not apply. You cannot walk in or speak to a teller, but you can transfer money, deposit checks by phone camera, and handle most banking tasks any time of day or night.

What you can do when your bank is closed

ATMs work 24/7 at most banks, even on Sundays and holidays. You can withdraw cash, deposit checks (at banks with mobile deposit ATMs), and check your balance without a teller. Some ATMs charge a fee if you use a different bank's machine, so use your own bank's ATM when you can.

Online banking, bill pay, and transfers between your own accounts work around the clock. You can send money to another person through your bank's app or website, pay bills, and move money between checking and savings any time. Transfers to other banks may take one to three business days to show up, even if you send them on a Sunday.

If you need to deposit a check and your bank is closed, use mobile deposit if your bank offers it — photograph the front and back of the check in your app, and the bank processes it when it reopens. If your bank does not have mobile deposit, wait until the next business day or use an ATM that accepts check deposits.

What happens if you need a teller on a weekend or holiday

If you need to speak to someone — to dispute a charge, open a new account, get a cashier's check, or handle something complicated — you have to wait until your bank reopens. Most banks reopen at 9 a.m. on the next business day. Some larger branches open at 8 a.m.

If the issue is urgent, call your bank's customer service line. Many banks have phone support on weekends and holidays, and a representative can help with account questions, fraud reports, and lost card requests. The number is on your card or statement.

Some banks offer Saturday appointments or extended hours at certain branches. Call ahead or check your bank's website to see whether your nearest branch has special weekend hours.

Frequently Asked Questions

Can I deposit a check on Sunday if my bank is closed?

Not at a teller, but you can use mobile deposit if your bank offers it — photograph the check in your app and it processes when the bank reopens Monday. Some banks also have ATMs that accept check deposits 24/7. If neither option is available, deposit the check the next business day.

Do all Chase branches have the same hours?

No. Chase hours vary by location. Urban branches often stay open later and on Saturday, while suburban and rural branches may close earlier or not open on Saturday. Check your specific branch on Chase's website or Google Maps for exact hours.

What if I need cash on a holiday and the ATM is broken?

Withdraw cash before the holiday if you know you will need it. If the ATM is broken, try another bank's ATM (you may pay a fee), or wait until the bank reopens. Some grocery stores and convenience stores offer cash back with a purchase if you have a debit card.

Are credit unions open on Saturday?

Some are, some are not. Credit union hours vary widely by location and institution. Check your credit union's website or call your branch directly — do not assume Saturday hours based on another credit union's schedule.

Can I pay my mortgage or loan on a weekend?

Yes, through online bill pay or your lender's website. Payments sent on a weekend usually process on the next business day. If you are close to a due date, send the payment a few days early to make sure it arrives on time.