Most banks are open on Black Friday, but hours are often shorter than usual

Black Friday falls on the day after Thanksgiving, and most banks do stay open that day. However, many branches reduce their hours — some open later, close earlier, or both. A few banks close entirely on Black Friday, though this is less common. Your best move is to call your specific branch or check your bank's website the week before, because hours vary by location and by bank.

If you need to do banking on Black Friday, plan ahead. ATMs work around the clock regardless of branch hours, so you can withdraw cash, check balances, or transfer money between your own accounts any time. But if you need to speak to a person — to deposit a check, open an account, or resolve a problem — you'll need to know your branch's actual schedule for that day.

Key Takeaways

  • Most bank branches are open on Black Friday but with reduced hours, so call ahead or check online before you go.
  • ATMs and mobile banking work 24/7 on Black Friday, so you can handle routine transactions without visiting a branch.
  • Large national banks like Chase, Bank of America, and Wells Fargo typically stay open but may close by 3 or 4 p.m. instead of their usual 5 or 6 p.m.
  • Credit unions sometimes close on Black Friday or keep very limited hours, so confirm with your credit union directly.
  • If your bank is closed and you need cash, ATMs and grocery store debit services work regardless of branch status.

How to find your bank's Black Friday hours

The fastest way is to search your bank's name plus "Black Friday hours" on Google, or go directly to your bank's website and look for a branch locator tool. Most large banks post holiday hours a week or two in advance. Enter your zip code or branch address, and the locator will show you the specific hours for that location.

If the website doesn't list Black Friday specifically, call the branch directly. The phone number is usually on the locator page. A staff member can tell you whether the branch will be open and for how long. This takes two minutes and removes all doubt.

Which banks typically stay open on Black Friday

Chase, Bank of America, Wells Fargo, Citibank, and most other national chains do open on Black Friday. However, they often close earlier than normal — typically by 3 or 4 p.m. instead of 5 or 6 p.m. Some branches may open an hour later than usual as well. The variation depends on the individual branch and the region.

Regional and local banks follow the same pattern: most stay open but with shortened hours. Credit unions are more likely to close entirely on Black Friday, so if you bank with a credit union, check their website or call before you plan a visit.

What you can do without visiting a branch

ATMs work 24 hours a day on Black Friday, regardless of whether the branch is open. You can withdraw cash, deposit checks (at ATMs that have deposit capability), transfer money between your own accounts, and check your balance. If you need cash and your bank is closed, any ATM in your bank's network will work.

Mobile banking apps also run around the clock. You can pay bills, transfer money, deposit checks by photo, and send money to other people. If you're waiting for a refund or payment to arrive, you can check your account status any time on Black Friday without needing the branch to be open.

If you need cash and your bank is closed

Use an ATM from your bank or a network your bank belongs to — most banks are part of a shared ATM network that lets you withdraw from thousands of machines nationwide. If you don't have access to your bank's ATM, many grocery stores and convenience stores offer debit card cash-back at checkout, even on Black Friday.

If you need to deposit a check and can't visit the branch, most banks let you deposit by photo through their mobile app. Take a photo of the front and back of the check, submit it through the app, and the funds usually appear in your account within one or two business days.

Planning ahead for Black Friday banking

If you know you'll need to visit your bank on Black Friday, do it early in the day. Branches that are open often see higher traffic on holidays, and you may wait longer than usual. Alternatively, handle what you can through ATM or mobile banking, and save the in-person visit for the following Monday.

If you're expecting a refund or payment to arrive around Black Friday, remember that banks don't process transactions on weekends or holidays. A payment that arrives on Friday may not show up in your account until Monday, even if your branch is open. Check your bank's holiday schedule to understand when processing resumes.

Frequently Asked Questions

Will my bank be open on Black Friday?

Most banks are open on Black Friday, but hours are usually shorter than normal. Call your branch or check your bank's website to confirm the specific hours for your location. Credit unions are more likely to close entirely, so check with yours directly.

Can I deposit a check on Black Friday if the branch is closed?

Yes, if your bank has a mobile app with mobile deposit. Take photos of the front and back of the check and submit through the app. The funds typically appear in your account within one or two business days, even if you deposit on a holiday.

What if I need cash and the bank is closed?

Use an ATM from your bank or its network — these work 24/7. If you don't have access to an ATM, most grocery stores and convenience stores offer cash-back when you use your debit card at checkout.

Do wire transfers process on Black Friday?

No. Banks don't process wire transfers on holidays, so a wire sent on Black Friday won't go through until the next business day. If you need to send money urgently, do it before Thanksgiving or wait until the following Monday.

Are credit unions open on Black Friday?

Many credit unions close on Black Friday, though some stay open with reduced hours. Check your credit union's website or call ahead — hours vary widely by location and institution.