Check your bank's website or call the branch directly
The fastest way to know if your bank is open today is to visit its website and look for "Hours" or "Locations." Most banks list branch hours on their homepage or in a dedicated section. You can also call your specific branch — the phone number is usually on the website or on the back of your debit card.
If you use a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, you can search for your nearest branch by zip code on their site and see today's hours immediately. Smaller regional banks and credit unions have the same information, though you may need to navigate to a "Find a Branch" page first.
Calling takes about two minutes and confirms not only whether the branch is open, but also whether it's staffed for the service you need — some branches have limited hours for certain functions like notary services or safe deposit box access.
Key Takeaways
- Most banks post their hours on their website under a "Locations" or "Hours" section, searchable by branch or zip code.
- Calling your branch directly is the most reliable way to confirm today's hours, especially on holidays or during weather emergencies.
- Bank hours vary by location and day of the week — a branch open at 9 a.m. on Monday may open at 10 a.m. on Saturday.
- Federal holidays close most bank branches, though some banks operate limited hours or offer ATM and online services only.
- Credit unions and smaller banks may have different hours than national chains, so do not assume all branches in your area follow the same schedule.
Federal holidays when most banks close
Banks close on federal holidays, which means you cannot visit a branch or speak to a teller on those days. The main holidays that close banks 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.
Even though the branch is closed, you can still use ATMs, mobile apps, and online banking on federal holidays. Some banks offer limited services — a few operate skeleton crews or extended hours the day before or after a major holiday, but this is rare and varies by institution.
If you need to know whether a specific date is a federal holiday, the U.S. Office of Personnel Management publishes the full list each year on its website.
Weekend and evening hours vary by branch
Not all bank branches keep the same hours on Saturday and Sunday. Some open at 9 a.m. and close at 1 p.m. on Saturday, then stay closed Sunday. Others open both days until 5 p.m. A few branches in busy areas stay open until 6 or 7 p.m. on weekdays, while branches in smaller towns may close at 4 p.m.
The only way to know your branch's weekend and evening hours is to check the website or call. Do not assume that because one branch of your bank is open late, yours is too.
What to do if you need banking services outside branch hours
ATMs work 24 hours a day, seven days a week at most banks. You can withdraw cash, deposit checks (if your bank has mobile deposit or an ATM that accepts deposits), and check your balance anytime.
Online banking and mobile apps let you transfer money, pay bills, and check account details at any hour. If you need to deposit a check and your bank does not have an ATM that accepts deposits, you can use mobile check deposit through the bank's app — you photograph the front and back of the check, and the bank processes it within one to two business days.
If you need to speak to someone outside branch hours, many banks offer phone support during extended hours or 24/7. Check your bank's website for the customer service number and its hours.
Credit unions and online banks have different hours
Credit unions often have shorter hours than national banks. Many credit union branches close at 5 p.m. on weekdays and do not open on Sunday. Some credit unions share branch networks with other credit unions, so you may be able to visit a different credit union's branch in your area if yours is closed.
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches. They operate entirely through apps, websites, and phone support. Most offer 24/7 customer service by phone or chat, though some have limited hours on weekends or holidays.
Frequently Asked Questions
Are banks open on Saturdays?
Most banks are open on Saturday, but hours are shorter than weekdays — typically 9 a.m. to 1 p.m. Some branches in urban areas stay open until 5 p.m. on Saturday. Check your specific branch's website or call to confirm, because hours vary widely.
Can I do banking on a holiday if the branch is closed?
Yes. ATMs work 24/7, and online banking and mobile apps work on holidays. You can withdraw cash, check balances, transfer money, and deposit checks through your app. You cannot visit a teller or access safe deposit boxes, but most routine banking can happen without the branch being open.
What if my bank's website does not show today's hours?
Call the branch directly — the number is on your debit card or on the bank's main website. If you cannot reach anyone, try the bank's customer service line, which usually has extended hours. You can also visit the branch in person to see if it is open, though this takes more time than a phone call.
Do all branches of the same bank have the same hours?
No. Each branch sets its own hours based on staffing and local demand. A Chase branch downtown may be open 8 a.m. to 6 p.m. on weekdays, while a Chase branch in a suburb opens at 9 a.m. and closes at 5 p.m. Always check the specific branch you plan to visit.