Banks and post offices follow different schedules, and both close on federal holidays
Most banks are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours at many branches. Post offices typically operate Monday through Friday from 9 a.m. to 5 p.m. and Saturday mornings from 9 a.m. to 1 p.m., though hours vary by location. Both close on federal holidays, and some branches have their own reduced schedules.
The fastest way to know if a specific branch is open today is to search for it by name and address on Google Maps or your bank's website. Google shows current hours, whether it's open right now, and whether it's busy. Your bank's mobile app usually has a branch locator with the same information. For the post office, use USPS.com and enter your ZIP code to find your nearest location and its hours.
If you need to handle a refund or payment today and your usual branch is closed, knowing the alternatives — drive-through hours, ATM access, or mail delivery — can keep you from losing time.
Key Takeaways
- Google Maps and your bank's website show real-time hours for any branch, including whether it is open right now.
- Most banks close at 5 p.m. on weekdays and do not open on Sundays, though some branches have Saturday hours.
- Post offices close at 5 p.m. on weekdays and noon or 1 p.m. on Saturdays, with no Sunday service.
- Both banks and post offices close on federal holidays including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
- If your branch is closed, ATMs and drive-through windows may still be available for basic transactions.
How to find your bank's hours right now
Search your bank's name plus "branch locator" or "hours" on Google. Most major banks — Chase, Bank of America, Wells Fargo, Citibank, and others — have a map tool on their website where you type your address or ZIP code and see every nearby branch with its hours. Click on the branch you plan to visit and Google will tell you if it is open now, when it closes today, and its full weekly schedule.
Your bank's mobile app usually has the same locator built in. Open the app, tap "Locations" or "Find a Branch," enter your address, and tap the branch name to see hours. Many apps also show whether the drive-through is open, which can matter if you need to deposit a check or withdraw cash after the lobby closes.
If you cannot find hours online, call the branch directly. The phone number is on your bank statement, your debit card, or the bank's website. A staff member can tell you today's hours and whether they can handle your specific task — some branches do not process certain refunds or transfers in person.
How to find your post office's hours right now
Go to USPS.com and click "Find Locations" at the top of the page. Type your ZIP code or address and the map will show every post office near you. Click on the one you plan to visit and you will see its hours for today and the full week. The page also shows which services are available at that location — not all post offices offer the same services, and some are inside retail stores with different hours.
If you need to mail a refund check or pick up a package, confirm the post office is open before you go. Some locations close for lunch or have shorter Saturday hours than others. If your nearest post office is closed, Google Maps will show you other locations nearby and their hours.
You can also call the post office directly. The number is on USPS.com or in your local phone directory. Staff can confirm hours and tell you whether they can handle your specific need — for example, some smaller post offices do not offer certain services.
Federal holidays when banks and post offices close
Both banks and post offices close on the same federal holidays every year. These include 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 Day (fourth Thursday in November), and Christmas Day (December 25).
Some banks may also close on additional holidays or observe holidays on different days if the federal holiday falls on a weekend. Check your bank's website or call ahead if you are unsure whether a specific day is a holiday closure.
If you need to deposit a check or mail a refund on a holiday, plan ahead. Mail deposited in a post office box on a holiday will not be collected until the next business day. Checks deposited at an ATM or through a mobile app may process faster than in-person deposits.
When drive-throughs and ATMs stay open after the branch closes
Many banks keep their drive-through windows open one to two hours after the lobby closes, and ATMs are available 24/7 at most locations. If you need to deposit a check or withdraw cash after 5 p.m., check whether your branch has a drive-through or whether you can use an ATM. Some banks charge a fee for using an ATM outside their network, so confirm the fee before you use it.
Post offices do not have after-hours service windows, but you can drop mail in a blue collection box outside the building at any time. Mail dropped after the last collection time of the day will not be picked up until the next business day. Check the post office website or call to confirm when the last collection happens at your location.
What to do if your branch is closed when you need it
If you need to deposit a refund check and your bank is closed, use mobile check deposit through your bank's app if you have it. Most banks let you photograph the front and back of a check and deposit it without visiting a branch. The check will be processed within one to two business days.
If you need to mail a refund and the post office is closed, drop it in a blue collection box outside the building. The mail will be picked up at the next scheduled collection time, usually the next business day. If you need faster delivery, some post offices offer Priority Mail Express, which guarantees delivery within one to two days — check USPS.com for current rates and service times.
For tax refunds or government payments, you do not need to visit a bank or post office at all. Direct deposit to your bank account is the fastest method and requires no in-person visit. If you are waiting for a check by mail, the post office will deliver it to your address during normal delivery hours, usually between 9 a.m. and 5 p.m.
Frequently Asked Questions
Are banks open on Sundays?
Most banks are closed on Sundays. Some branches in major cities or inside grocery stores may have limited Sunday hours, but this is uncommon. Check your specific branch on Google Maps or your bank's website to see if it is open on Sunday.
What time do post offices close on Saturday?
Most post offices close at 1 p.m. on Saturday, though some close at noon and a few stay open until 2 or 3 p.m. Check USPS.com for your specific location's Saturday hours. Post offices do not open on Sunday.
Can I deposit a check at an ATM after the bank closes?
Yes, most banks allow mobile check deposit through their app 24/7, and many ATMs accept check deposits outside of branch hours. The check will process within one to two business days. Confirm your bank offers this service by checking your app or calling the branch.
Do banks stay open later on certain days of the week?
Some banks stay open until 6 or 7 p.m. on Thursday or Friday, but most close at 5 p.m. every weekday. Check your branch's specific schedule on Google Maps or your bank's website, as hours vary by location.
What happens if I mail a refund check on a holiday?
Mail dropped in a post office box on a federal holiday will not be picked up until the next business day. If you need the check to arrive quickly, mail it on a business day or use Priority Mail Express for may provide faster delivery.