Most banks open at 9 a.m. on weekdays and close between 4 and 6 p.m., but hours vary by branch and day
The hours your bank is open depend on which branch you're visiting, what day it is, and whether you need a teller or just an ATM. Large national banks like Chase, Bank of America, and Wells Fargo typically open at 9 a.m. on Monday through Friday, but closing times range from 4 p.m. to 6 p.m. depending on the location. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. — and most branches are closed on Sunday. Credit unions and smaller regional banks may have different schedules entirely.
The fastest way to find your branch's exact hours is to search the bank's name plus "hours" on Google Maps, or call the branch directly. Most banks also list hours on their website under a branch locator tool. If you need to deposit money or withdraw cash outside of branch hours, ATMs are available 24/7 at most banks, though some transactions — like depositing checks or getting a cashier's check — require a teller during business hours.
Key Takeaways
- Weekday hours for most major banks run from 9 a.m. to 4 or 5 p.m., but your specific branch may differ.
- Saturday hours are typically 9 a.m. to 1 p.m., and most branches close entirely on Sunday.
- Google Maps and the bank's website branch locator show the exact hours for your location without a phone call.
- ATMs work 24/7, but teller services like check deposits and cashier's checks require visiting during business hours.
- Holiday schedules often change branch hours, so check ahead if you're banking on a federal holiday.
How to find your bank's hours right now
Open Google Maps on your phone or computer and search for your bank's name and your city or zip code. The branch address will appear with hours listed directly below it — this shows today's hours and lets you click to see the full week. If the hours say "Open now" or "Closed," that's real-time information based on the current time and the branch's posted schedule.
If Google Maps doesn't show hours or they look outdated, go to your bank's official website. Most have a "Find a Branch" or "Locations" page where you can enter your zip code and see every nearby branch with its hours. You can also call the branch directly — the number is usually listed on the website or in Maps. A teller can tell you not just today's hours but also whether the branch will be open tomorrow and on upcoming holidays.
Why hours differ between branches
A bank's hours depend on staffing, location, and local demand. A busy downtown branch might stay open until 6 p.m. on weekdays, while a smaller suburban branch closes at 4 p.m. Some branches in grocery stores or malls keep different hours to match the store's schedule. Credit unions often have shorter hours than national banks because they have fewer locations and staff.
Holiday schedules also shift hours. On federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day, most bank branches close entirely. Some banks close on Presidents' Day or Memorial Day, while others stay open. If you need to bank on or around a holiday, check your branch's holiday schedule on their website or call ahead — don't assume they're open.
What you can do outside of branch hours
ATMs let you withdraw cash, deposit checks (at many banks), and transfer money between accounts 24 hours a day. Most banks don't charge you to use your own bank's ATM, but using another bank's ATM usually costs $2 to $3. If you need to deposit a large check, some banks let you photograph it through their mobile app and deposit it that way, even at midnight.
For transactions that require a teller — like getting a cashier's check, opening a new account, or disputing a transaction — you have to visit during business hours. Some banks offer phone or video banking for certain services, but this varies. If you can't make it during branch hours, ask whether your bank offers Saturday hours at any nearby location, or whether they can handle your need over the phone or through their app.
Online and mobile banking doesn't follow branch hours
You can transfer money, pay bills, check your balance, and deposit checks through your bank's website or app at any time, day or night. These services run 24/7 because they don't require a teller or physical location. Transfers between your own accounts usually show up instantly or within an hour. Transfers to other banks typically take one to three business days, depending on the banks involved.
The one catch: if you transfer money late at night or on a weekend, it may not process until the next business day. For example, a transfer you make at 11 p.m. on Friday might not leave your account until Monday morning. Check your bank's website for its cutoff times — most process transfers made before 5 p.m. on business days the same day, and anything after that waits until the next business day.
What to do if your branch is closed when you need it
If you need cash, use an ATM. If you need a check deposited, use your mobile app or visit an ATM that accepts deposits. If you need a cashier's check or have a problem that requires a teller, call the branch during business hours and explain your situation — some banks can mail you a cashier's check or handle disputes over the phone. Ask whether a nearby branch has different hours that might work for you.
If you bank with a large national chain, you may be able to visit any branch in the country, not just your home branch. Chase, Bank of America, and Wells Fargo all let you do basic transactions at any of their branches. If you're traveling or in a different city, search for a branch near you and visit during their hours — you'll just need your ID and debit card.
Frequently Asked Questions
Are banks open on Saturday?
Most bank branches are open on Saturday from 9 a.m. to 1 p.m., but some close earlier or don't open at all. Check your specific branch on Google Maps or your bank's website — Saturday hours vary widely. If your branch is closed, look for a nearby location that's open, or use an ATM.
What time do banks close on Friday?
Most banks close between 4 and 6 p.m. on Friday, the same as other weekdays. Some branches in busy areas stay open until 6 p.m., while smaller branches may close at 4 p.m. Call your branch or check online to confirm — don't assume all branches close at the same time.
Can I deposit a check after the bank closes?
Yes, if your bank has an ATM that accepts check deposits. Many ATMs let you deposit checks 24/7, and the check usually posts to your account by the next business day. If your ATM doesn't accept deposits, use your bank's mobile app to photograph the check and deposit it that way.
Do banks have different hours on holidays?
Yes. Most banks close on federal holidays like Christmas, Thanksgiving, New Year's Day, and Independence Day. Some also close on Presidents' Day or Memorial Day. Check your bank's holiday schedule on their website or call ahead — hours change year to year depending on which day the holiday falls on.
Can I do banking outside of branch hours?
Yes. You can use ATMs, transfer money, pay bills, and deposit checks through your bank's app or website 24/7. The only things that require a teller during business hours are opening accounts, getting cashier's checks, and handling certain disputes. For everything else, online and mobile banking works around the clock.