Most banks are closed on weekends and federal holidays, but some branches and ATMs stay open
Whether a bank is open today depends on what day it is and which bank you use. Nearly all U.S. banks close on Saturdays and Sundays. On weekdays, most branches open between 9 a.m. and 10 a.m. and close between 4 p.m. and 6 p.m., though hours vary by location and institution. If today is a federal holiday—like Thanksgiving, Christmas, New Year's Day, or Independence Day—the branch will be closed, but ATMs and mobile apps keep running.
The fastest way to know if your specific branch is open is to search "[Your Bank Name] near me" on Google Maps or your bank's website. Google shows real-time hours, whether the location is open right now, and directions. Your bank's mobile app also displays branch hours and lets you find nearby locations.
Key Takeaways
- All U.S. banks close on Saturdays, Sundays, and federal holidays, though ATMs and online banking work 24/7.
- Weekday hours are typically 9 a.m. to 5 p.m., but individual branches vary by location and bank.
- Google Maps and your bank's website show real-time hours for any branch near you.
- If you need cash or to deposit a check today, ATMs and mobile deposit work even when branches are closed.
- Some banks operate limited Saturday hours at select locations, so check your specific branch before traveling.
Federal holidays when all banks close
Banks close on the same federal holidays every year. These are: 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).
On these days, physical branches do not open, but you can still use ATMs, transfer money through your mobile app, pay bills online, and access customer service through phone lines at some banks. If you need to speak to a person, call your bank's customer service number—some maintain staffing on certain holidays.
How to check your specific bank's hours right now
The most reliable method is to use Google Maps. Open Google Maps on your phone or computer, search for your bank's name and your city, and click on the branch location. The hours appear at the top of the listing, along with a label that says "Open now" or "Closed" in real time. You can also see which days the branch is typically closed and what time it opens and closes on each day of the week.
Your bank's official website is the second option. Most banks have a "Find a Branch" or "Locations" page where you enter your zip code or city and see all nearby branches with their hours. Chase, Bank of America, Wells Fargo, Citibank, and most regional banks all offer this tool. Some also let you filter by services—for example, to find branches that have a safe deposit box or a currency exchange desk.
Your bank's mobile app usually shows branch hours and lets you search nearby locations without leaving the app. This is especially useful if you are already a customer and want to find the closest branch quickly.
What you can do when your bank is closed
ATMs work 24 hours a day, seven days a week at most banks. You can withdraw cash, deposit checks (if your ATM has a check deposit slot), transfer money between accounts, and check your balance. Some ATMs charge a fee if you use a machine owned by a different bank, so look for your bank's logo or ask your bank which ATMs are free to use.
Mobile deposit lets you photograph a check with your phone and submit it through your bank's app. The check clears within one to three business days, depending on the amount and your bank's policy. This works on weekends and holidays.
Online banking and bill pay work around the clock. You can transfer money between your own accounts, send money to other people (through services like Zelle or your bank's own transfer tool), and schedule bill payments for future dates. Phone banking is also available 24/7 at most banks—call the number on the back of your debit card to speak with a representative or use the automated system.
Banks with Saturday hours
Some banks operate limited Saturday hours at select branches, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. This varies widely by bank and location. Smaller regional banks and credit unions are more likely to have Saturday hours than the largest national banks. Chase, Bank of America, and Wells Fargo rarely open on Saturday, though a few branches in major cities may have limited hours.
To learn about your branch is open on Saturday, check Google Maps or your bank's website—both will show Saturday hours if they exist. Do not assume your branch is open just because another branch in the same city is. Call ahead if you are unsure.
Credit unions and online banks
Credit unions often have different hours than traditional banks and may offer Saturday service. If you bank with a credit union, check your institution's website or call the branch directly. Many credit unions are closed on the same federal holidays as banks, but some stay open longer on weekdays or have Saturday hours.
Online banks like Ally, Charles Schwab, and Discover have no physical branches, so there are no branch hours to check. All transactions happen through their website or mobile app, which are available 24/7. If you need to deposit a check, these banks offer mobile deposit. If you need cash, you can withdraw from any ATM in their network or at a partner bank.
What to do if you need cash or a service today
If today is a weekend or holiday and you need cash, find an ATM. Use your bank's website or app to locate a free ATM near you, or search "ATM near me" on Google Maps. Most ATMs dispense cash instantly.
If you need to deposit a check, use mobile deposit through your bank's app if you have it. If not, you can mail the check to your bank or wait until the next business day to visit a branch or ATM with a deposit slot.
If you need to speak with someone about a problem—a fraudulent charge, a lost card, or a question about your account—call your bank's customer service number on the back of your debit card. Most banks staff their phone lines 24/7, even on holidays. Some may have longer wait times on weekends and holidays.
Frequently Asked Questions
Are banks open on Saturday?
Most large U.S. banks are closed on Saturday. Some smaller regional banks and credit unions open on Saturday from 9 a.m. to 1 p.m. or 2 p.m. at select locations. Check your specific branch on Google Maps or your bank's website to confirm.
What time do banks close on weekdays?
Most banks close between 4 p.m. and 6 p.m. on weekdays, though hours vary by branch and bank. Some branches in busy areas stay open until 6 p.m. or later. Check your branch's hours online or call ahead to be sure.
Can I deposit a check on Sunday?
Yes, if your bank's ATM has a check deposit slot or if your bank offers mobile deposit through its app. Mobile deposit is the fastest option—photograph the check and submit it through your phone. The check clears within one to three business days.
Are banks open on Thanksgiving or Christmas?
No. All U.S. banks close on Thanksgiving and Christmas. ATMs, mobile apps, and online banking work normally. If you need to speak with a representative, some banks staff their phone lines on these holidays, though wait times may be longer.
How do I find a bank that is open right now?
Search your bank's name on Google Maps and look for the "Open now" label. You can also visit your bank's website, use its mobile app, or call the branch directly. If your bank is closed, use an ATM or mobile banking to handle your transaction.