Most banks close at 5 or 6 p.m. on weekdays, and do not open on weekends or federal holidays
The exact closing time depends on your bank and your branch. Large national banks like Chase, Bank of America, and Wells Fargo typically close at 5 p.m. on weekdays, though some branches stay open until 6 p.m. Credit unions often close earlier, sometimes at 4:30 p.m. Call your specific branch or check your bank's website to confirm — the hours posted online are usually accurate for that location.
No bank is open on Saturdays or Sundays. Federal holidays when banks close include 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 banks also close on Good Friday. If you need to deposit a check or withdraw cash on a weekend or holiday, you will need to use an ATM or wait until the next business day.
Key Takeaways
- Weekday hours are usually 9 a.m. to 5 p.m., though some branches open at 8 a.m. or close at 6 p.m., so check your branch directly.
- Banks do not open on any Saturday, Sunday, or federal holiday, including Thanksgiving and Christmas.
- ATMs work 24 hours a day, seven days a week, and let you withdraw cash, deposit checks, and check your balance outside of branch hours.
- Mobile banking apps let you transfer money, pay bills, and check your balance at any time, even when the branch is closed.
- If you need to speak to someone urgently on a weekend or holiday, some banks offer phone support, though not all do.
What you can do when your bank branch is closed
An ATM is available whenever the branch is not. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between your own accounts, and check your balance. Most ATMs charge a fee if you use one from a different bank, though your own bank's ATMs are free. If you need cash urgently on a Sunday, an ATM is your fastest option.
Your bank's mobile app lets you handle most transactions without visiting a branch. You can transfer money to another account, pay bills, deposit checks by taking a photo, and check your balance. These transactions usually process the next business day, so they do not work if you need money today, but they work at midnight on a Saturday just as well as they do at noon on a Tuesday.
Some banks offer phone support on weekends and holidays, though the hours vary. Call the number on the back of your debit card to find out whether your bank has weekend phone support and what hours they cover. Not all banks do, so do not assume yours will.
Federal holidays when all banks close
| Holiday | Typical Date |
|---|---|
| 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 |
| 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 |
| Christmas | December 25 |
When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, they close on Monday. Some banks also close on Good Friday (the Friday before Easter), though this is not a federal holiday. Check your bank's holiday schedule on their website or call ahead if you are unsure whether a specific day will be open.
How to find your bank's hours right now
The fastest way is to search "[Your Bank Name] near me" on Google Maps. The map will show your nearest branches and their hours for today and tomorrow. If you are already a customer, you can also log into your mobile app — most apps display branch hours and let you find nearby locations.
Call the branch directly at the number listed on your bank's website or the back of your debit card. A staff member can confirm whether they are open today and answer questions about services available outside branch hours. If you are calling on a weekend or evening, you may reach an automated message with hours instead.
Visit your bank's website and look for a "Locations" or "Find a Branch" page. Enter your zip code or address, and the site will show you hours for branches near you. Hours listed online are usually current, but branches sometimes change their schedules, so a quick call is worth it if you are making a special trip.
Why banks close and what happens to your money
Banks close on weekends and federal holidays because the Federal Reserve — the central banking system that clears checks and transfers between banks — does not operate on those days. Your money is still in your account and still earning interest (if your account earns interest). Nothing happens to it just because the branch is closed.
Deposits you make at an ATM or through your mobile app on a weekend or holiday will be processed the next business day. A check deposited on Friday evening will not clear until Monday or Tuesday. Transfers you initiate on a Saturday will usually post on Monday. This delay is built into the banking system, not a choice your bank makes.
When you need cash or a service on a weekend or holiday
Use an ATM to withdraw cash. Most ATMs dispense money 24 hours a day, and you can use your debit card just as you would at a teller window. If you do not have a debit card or your card is lost, you will have to wait until the branch reopens.
If you need to deposit a large check or handle something that requires a teller, you will have to wait until the next business day. Some banks offer Saturday hours at certain branches, usually in busy areas — check your bank's website to see if any locations near you are open on Saturday morning.
If you need to speak to someone about a fraud claim, a lost card, or an account problem, call the customer service number on the back of your debit card. Many banks have 24-hour fraud lines even when branches are closed. For other issues, you may have to leave a message and wait for a callback during business hours.
Frequently Asked Questions
Can I deposit a check on Sunday?
You can deposit a check through your mobile app by taking a photo, or you can use an ATM with a deposit slot if your bank has one. The check will not clear until Monday or Tuesday. If you need the money to be available immediately, you will have to wait until Monday to visit a branch.
Do banks open earlier on some days?
Most banks open at 9 a.m. on weekdays, though some open at 8 a.m. or even 7 a.m. Check your branch's specific hours online or call ahead. Weekend and holiday hours vary widely — some branches have limited Saturday hours, but most do not open at all on Sunday.
What if I need money on a holiday and there is no ATM nearby?
Plan ahead by withdrawing cash before the holiday. If you did not, you will have to wait until the next business day when the branch reopens. Some convenience stores and grocery stores offer cash back when you use a debit card to make a purchase, which can help in an emergency.
Will my direct deposit process if the bank is closed?
Direct deposits are processed by the Federal Reserve overnight, so they will post to your account even if the branch is closed. If your deposit is scheduled for a weekend or holiday, it will post on the next business day instead.
Can I transfer money between my accounts on a weekend?
Yes, through your mobile app or online banking. The transfer will process immediately within your own bank, though transfers to other banks may take until the next business day to show up.