Check your bank's website or call before you go

The fastest way to know if your bank or credit union is open today is to visit their website or call the branch directly. Most banks and credit unions post their hours on the homepage, and many let you search by location if you have multiple branches nearby. A phone call takes 30 seconds and tells you whether that specific branch is staffed right now.

If you use online banking, log in and look for a "branch locator" or "hours" link — usually in the footer or under a "Contact Us" section. You'll see today's hours listed for each location. Credit unions often have the same setup, though smaller ones may only list a main office number.

Don't assume a branch is open just because the bank is a major chain. Individual locations close for holidays, staff shortages, or local events. A branch two miles away might have different hours than the one you normally visit.

Key Takeaways

  • Call your specific branch or check its website before traveling — hours vary by location even within the same bank.
  • Most banks close on federal holidays, Sundays, and some Saturdays, though hours differ by institution.
  • If your branch is closed, you can often handle transactions online, through ATMs, or at a different location.
  • Credit unions may have shorter hours than banks, especially smaller ones with limited staff.

Federal holidays when most banks close

Banks and credit unions typically close on federal holidays. The main ones are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some institutions also close on the day after Thanksgiving.

Not every bank closes on every federal holiday — some remain open on Columbus Day or Veterans Day, for example. A few large banks stay open on some holidays in certain locations. The only way to be sure is to check your branch's posted schedule or call ahead.

If you need to deposit a check or withdraw cash on a holiday, use an ATM or mobile deposit through your bank's app. Most banks process ATM deposits and transfers on the next business day.

Weekend and evening hours vary widely

Saturday hours differ sharply between banks and credit unions. Some banks open at 9 a.m. and close at 1 p.m. on Saturday; others stay open until 5 p.m. Many credit unions close entirely on Saturday, especially smaller ones. Sunday is almost always closed across both banks and credit unions, with rare exceptions at very large branches in major cities.

Weekday hours typically run from 9 a.m. to 5 p.m., but some branches open at 8 a.m. or stay open until 6 p.m. Drive-through windows often close earlier than the lobby. If you work standard hours, evening or Saturday service may not be available at your branch.

Online banking, mobile apps, and ATMs operate 24/7 at most banks and credit unions, so you can transfer money, check balances, or deposit checks anytime — even when the branch is closed.

What to do if your branch is closed

If you need cash or to deposit a check and your branch is closed, use an ATM. Most banks let you withdraw cash and deposit checks at any of their ATMs at no charge. If you use a different bank's ATM, you may pay a fee — typically $2 to $3 — though some banks reimburse out-of-network fees.

Credit union members can often use ATMs at other credit unions in their network for free. The CO-OP and Allpoint networks cover thousands of credit union ATMs nationwide. Check your credit union's website to find a participating ATM near you.

For transfers, bill payments, or other transactions, use your bank's or credit union's mobile app or website. Most institutions process these requests overnight or within one business day, even if submitted on a weekend or holiday.

How to find hours for a specific branch

Go to your bank's or credit union's main website and look for a branch locator tool. Enter your city, zip code, or address, and the tool will show you nearby locations with their hours. Some tools let you filter by services — for example, branches with a notary or safe deposit boxes.

If you can't find a branch locator online, call the main customer service number listed on your debit card or bank statement. A representative can tell you the hours for any branch and may be able to help you with your transaction over the phone instead.

For credit unions, the process is similar. Visit the credit union's website, use their branch finder, or call the main office. If it's a small local credit union, you may only have one branch location, so the hours are straightforward.

Holiday schedules and special closures

Beyond federal holidays, banks and credit unions sometimes close for local holidays or special events. Some branches in certain states close on state holidays like Juneteenth or Election Day. A few close for religious observances or community events.

The best way to plan ahead is to check your branch's website in early December for the full holiday schedule, or call and ask about closures for the next month or two. This is especially important if you need to handle something time-sensitive around a holiday.

If you're traveling and need to visit a branch in a different city or state, search that location's hours online before you go. Hours and holiday schedules can differ significantly from what you're used to.

Frequently Asked Questions

Are banks open on Saturdays?

Many banks open on Saturday, usually from 9 a.m. to 1 or 2 p.m., though some stay open until 5 p.m. Hours vary by branch and bank. Credit unions are less likely to be open on Saturday. Check your specific branch's website or call to confirm.

Can I deposit a check if the bank is closed?

Yes. Use your bank's mobile app to deposit the check by taking a photo of the front and back. Most banks process mobile deposits by the next business day. You can also deposit at an ATM if your bank offers that service, though not all do.

What if I need to withdraw cash on a Sunday?

Use an ATM. Most banks and credit unions have ATMs available 24/7, even when the branch is closed. You may pay a fee if you use an out-of-network ATM, but the cash is available immediately.

Do credit unions have different hours than banks?

Often yes. Credit unions tend to have shorter hours, especially smaller ones. Many close by 5 p.m. on weekdays and don't open on Saturday. Check your credit union's specific hours — they vary widely depending on the institution.

How do I find hours for a bank branch in another city?

Use the bank's branch locator tool on their website and search by city or zip code. The tool will show hours for each location. If you can't find it online, call the bank's main customer service number and ask for the hours of the branch you plan to visit.