Most banks are closed on Sundays, but you can still access your 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 all day Sunday. This is true whether you visit in person or call their customer service line — the phone lines that handle account issues are also closed.

However, being closed on Sunday does not mean your money is locked away. You can withdraw cash from ATMs, transfer money between accounts online, pay bills through your bank's website or app, and deposit checks using mobile deposit or ATM deposit slots. These services run 24 hours a day, seven days a week. If you need to speak to a person, you will have to wait until Monday morning when branches reopen.

Key Takeaways

  • Bank branches are closed on Sundays at nearly all major and regional banks, including Chase, Bank of America, Wells Fargo, and Citibank.
  • ATMs, online banking, mobile apps, and mobile check deposit work on Sunday around the clock, so you can move money without visiting a branch.
  • Some credit unions and online-only banks may have different Sunday hours — check your specific institution's website to confirm.
  • If you need to speak to a live representative on Sunday, only a few banks offer phone support, and it is usually limited to specific hours.

What you can do on Sunday without a branch

ATMs are the most direct way to get cash on Sunday. Every major bank maintains ATMs that work 24 hours, and you can withdraw money, check your balance, and transfer funds between your own accounts. If your bank is part of a network like Allpoint or MoneyPass, you may also be able to use ATMs from other banks without a fee.

Online banking and mobile apps let you pay bills, transfer money to other accounts or people, set up automatic payments, and review your transaction history. These services do not require a branch to be open. Mobile check deposit — where you photograph a check through your bank's app — also works on Sunday and typically posts to your account by the next business day.

If you need to deposit cash on Sunday, some banks offer ATM deposit envelopes that you can use to deposit money into a slot. The deposit posts when the bank processes it on Monday morning. Not all banks offer this feature, so check your bank's website or call during business hours to confirm whether your branch has it.

Which banks have Sunday phone support

Most banks do not staff customer service phone lines on Sunday. However, a few institutions do offer limited Sunday support. You will need to check your specific bank's website or call during the week to learn their exact Sunday hours, as these vary by bank and change periodically.

If your bank does not offer Sunday phone support and you have an urgent issue — such as a fraudulent charge or a locked account — some banks have emergency numbers on the back of your debit card or in your online banking portal. These lines may be staffed even when regular customer service is closed.

Credit unions and online banks may have different hours

Credit unions operate independently, so their Sunday hours vary widely. Some credit unions are closed on Sunday like traditional banks, while others open for a few hours in the afternoon. Check your credit union's website or call during the week to confirm their Sunday schedule.

Online-only banks like Ally, Charles Schwab, and Marcus do not have physical branches, so the concept of "branch hours" does not apply to them. They offer 24/7 customer service through phone, chat, or email, and all online banking functions work on Sunday. If you bank entirely online, you can handle most transactions without waiting for Monday.

Planning ahead for Sunday banking needs

If you know you will need cash or need to complete a banking task on Sunday, withdraw money on Saturday or use an ATM on Sunday morning. If you need to deposit a check, use mobile deposit on Sunday and it will post by Monday. For bill payments, schedule them through your online banking portal on Sunday and they will process on the next business day.

If you have a time-sensitive issue that requires speaking to a person — such as disputing a charge or reporting a lost card — handle it on Friday or Saturday if possible. If the issue arises on Sunday and your bank does not offer phone support, look for the emergency contact number on your card or in your online account settings.

Frequently Asked Questions

Can I deposit a check on Sunday?

Yes, through mobile deposit on your bank's app or through an ATM deposit slot if your bank offers it. Mobile deposits typically post by the next business day. ATM deposits are processed when the bank opens on Monday morning.

Will my transfer go through if I send it on Sunday?

Transfers between your own accounts at the same bank usually process immediately on Sunday. Transfers to other people or other banks may not process until Monday, depending on the type of transfer and your bank's rules. Check your bank's website for specifics.

What if I need cash and the ATM is broken on Sunday?

Try another ATM from your bank or a network ATM nearby. If no ATMs are working, you will have to wait until Monday when a branch opens. This is rare, but it is why withdrawing cash on Saturday is a good backup plan.

Do banks open earlier on Sunday than they close on Saturday?

No. Banks are closed all day Sunday. They reopen on Monday morning at their regular weekday opening time, which is typically 9 a.m. or 10 a.m., though this varies by location.

Can I call my bank on Sunday if it is an emergency?

Most banks do not answer customer service calls on Sunday. Check the back of your debit card or your online banking portal for an emergency fraud or security line, which may be staffed 24/7. For non-emergency issues, you will need to call back on Monday.