Most banks are closed on Sundays, but you can still move money
The vast majority of banks in the United States do not open on Sunday. Chase, Bank of America, Wells Fargo, Citibank, and most regional and local banks keep their branches closed that day. If you need to deposit a check, withdraw cash, or speak to someone in person, Sunday is not an option at a traditional bank branch.
However, "closed" does not mean you cannot access your money. ATMs run 24 hours a day, seven days a week at most banks. You can withdraw cash, check your balance, transfer money between your own accounts, and deposit checks at ATMs on Sunday without waiting for Monday. Mobile banking apps work the same way — you can pay bills, send money to other people, and move funds between accounts from your phone or computer at any time, including Sunday.
If you need to do something that requires a person — dispute a transaction, open a new account, apply for a loan, or talk to customer service — you will need to wait until Monday or use the bank's phone line or online chat, which some banks staff on weekends.
Key Takeaways
- Bank branches are closed on Sunday at virtually all major and regional banks in the United States.
- ATMs at your bank work around the clock on Sunday, so you can withdraw cash, deposit checks, and transfer money without visiting a branch.
- Mobile banking apps let you pay bills, send money, and manage accounts on Sunday from your phone or computer.
- If you need to speak to a banker or handle something that requires a signature, you will need to call customer service or return on Monday.
What you can do at an ATM on Sunday
ATMs handle the most common Sunday banking tasks. You can withdraw cash from your checking or savings account, deposit checks using the machine's envelope or mobile deposit feature, transfer money between your own accounts, and check your account balance. Most ATMs also let you change your PIN and print a mini statement.
The one limitation is that some deposits may not post to your account until Monday morning, depending on when you deposit and your bank's processing schedule. A check deposited at an ATM on Sunday afternoon might not be available until Tuesday. If you need the money urgently, call your bank on Monday to ask when the deposit will clear.
Mobile and online banking on Sunday
Your bank's website and mobile app do not close on Sunday. You can log in at any time to pay bills to companies and individuals, send money via wire transfer or peer-to-peer payment apps like Zelle, move money between your accounts, and review your transaction history. These actions usually process immediately or by the next business day, depending on the type of transaction.
Payments you schedule for Sunday may not leave your account until Monday, and payments sent to other banks may take one to three business days to arrive even if you initiate them on Sunday. Check your bank's website for its specific processing times before you send money you need to reach someone urgently.
When you need to talk to someone on Sunday
Most banks have customer service phone lines open on Sunday, though hours vary. Call the number on the back of your debit card or check your bank's website to see Sunday hours. Some banks offer limited phone support on Sunday (for example, 9 a.m. to 5 p.m. Eastern time), while others have full 24-hour phone lines.
If your bank offers online chat, that service may also be available on Sunday. Check your bank's website or app to see whether chat is staffed that day. For urgent issues like a lost or stolen card, most banks have a dedicated fraud line that operates around the clock, including Sunday.
Credit unions and smaller banks
Credit unions typically follow the same Sunday closure pattern as large banks — branches are closed, but ATMs work 24/7. Some credit unions are part of shared branching networks, which means you can visit a different credit union's branch on Sunday if that branch happens to be open. Check your credit union's website or call to ask whether shared branching is available to you.
Very small local banks may have different hours. Call ahead or check the bank's website to confirm Sunday hours before you plan to visit. Some community banks do open on Sunday, though this is uncommon.
Online banks and Sunday banking
Banks that operate only online — such as Ally, Charles Schwab, and Marcus — have no physical branches, so there is no "closed on Sunday" issue. You can deposit checks via mobile deposit, withdraw money at ATMs in their network, and handle all banking tasks through their app or website on Sunday just as you would on any other day. Processing times for deposits and transfers follow the same rules as traditional banks.
If you need to speak to someone at an online bank on Sunday, customer service availability depends on the bank. Most online banks offer phone support during business hours Monday through Friday, though some have extended hours or weekend support. Check your bank's website for its specific customer service hours.
What to do if you need cash urgently on Sunday
If your bank's ATM is broken or you cannot find one nearby, you have a few options. Many grocery stores, pharmacies, and convenience stores have ATMs that accept cards from most banks. Walmart, Target, and other retailers also have ATMs in their stores. You may be charged a fee — typically $2 to $3 — if you use an out-of-network ATM, but the cash is available immediately.
Some retailers will also let you withdraw cash back when you make a purchase with your debit card, even if you do not buy anything expensive. Ask at the customer service desk whether cash back is available. This service is free and does not carry an ATM fee.
Frequently Asked Questions
Can I deposit a check at an ATM on Sunday?
Yes. Most banks let you deposit checks at ATMs 24 hours a day, including Sunday. The check may not post to your account until Monday or Tuesday, depending on when you deposit it and your bank's processing schedule. Check your bank's website for its specific deposit cutoff times.
Will my bill payment go through if I submit it on Sunday?
It depends on when you submit it and who you are paying. Payments submitted through your bank's online banking system on Sunday usually process on Monday. If you are paying a company that uses automatic clearing house (ACH) processing, the payment may not reach them until Tuesday or later. For urgent payments, submit them by Friday.
Can I transfer money to another person's bank account on Sunday?
Yes, you can initiate the transfer on Sunday through your bank's app or website, but the money may not arrive until Monday or later. Wire transfers and peer-to-peer payments like Zelle sometimes post within hours, while ACH transfers typically take one to three business days. Check your bank's website for timing on the specific transfer type you are using.
What if my debit card is lost or stolen on Sunday?
Call the fraud line on the back of your debit card immediately — most banks staff this line 24 hours a day, including Sunday. Your card can be deactivated right away to prevent unauthorized charges. You can also report it through your mobile app if that option is available. A replacement card usually arrives within five to seven business days.
Do any major banks open on Sunday?
A very small number of bank branches in major cities open on Sunday, but this is rare. Chase, Bank of America, Wells Fargo, and Citibank do not have regular Sunday hours at most locations. Check your specific branch's hours on the bank's website or call ahead to confirm before you visit.