Most banks close at 5 p.m. on weekdays and do not open on weekends or federal holidays
Whether your bank is open today depends on three things: the day of the week, whether a federal holiday falls today, and the specific branch location. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank follow similar schedules — typically 9 a.m. to 5 p.m. Monday through Friday, closed Saturday and Sunday. Credit unions and smaller regional banks may have different hours. The fastest way to know is to search "[Your Bank Name] hours" plus your city, or call the branch directly.
If today is a federal holiday — Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, or New Year's Day — most banks will be closed even if it falls on a weekday. Some banks stay open on the day after Thanksgiving, but this varies by institution.
Key Takeaways
- Most bank branches operate 9 a.m. to 5 p.m. Monday through Friday and are closed on weekends.
- Federal holidays close nearly all bank branches, even when they fall on a weekday.
- The fastest way to confirm your specific branch is open is to search the bank's website or call the branch directly.
- ATMs and mobile banking work 24/7 regardless of branch hours, so you can withdraw cash or transfer money anytime.
- Some banks offer extended hours on certain weekdays or limited Saturday hours at select locations.
How to check your bank's hours right now
Go to your bank's website and look for a "Locations" or "Find a Branch" tool. Enter your zip code or city, and the site will show you the address, phone number, and hours for each nearby branch. Hours often vary between locations — a downtown branch may stay open later than a suburban one.
If you do not have internet access, call the branch directly. The phone number is usually on your debit card, in your account statements, or in the bank's app. A staff member can tell you immediately whether the branch is open today and what services are available.
Do not rely on Google Maps or third-party sites for hours, as they are sometimes outdated. The bank's own website is the source of truth.
What to do if the branch is closed
If your branch is closed today, you have several options depending on what you need to do. ATMs work around the clock, so you can withdraw cash, deposit checks (at ATMs with deposit slots), and check your balance anytime. Mobile banking apps let you transfer money, pay bills, and deposit checks by photograph without visiting a branch.
If you need to speak to someone, most banks offer phone support during business hours — often 7 a.m. to 9 p.m. on weekdays and shorter hours on Saturday. Some banks have live chat on their websites or apps. For urgent issues, check whether your bank has a 24-hour customer service line on the back of your debit card.
Federal holidays when banks close
Banks observe these federal holidays and close all branches:
- 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)
- Christmas Day (December 25)
When a holiday falls on a Saturday or Sunday, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday the 24th.
Extended hours and Saturday banking
Some banks offer hours beyond the standard 9-to-5 weekday schedule. Certain branches stay open until 6 or 7 p.m. on weekdays, and a small number open on Saturday mornings from 9 a.m. to 1 p.m. or 2 p.m. This is most common in urban areas and at high-traffic locations.
Credit unions sometimes have different schedules than national banks. Some are open on Saturday; others close earlier on weekdays. Always check your specific credit union's website or call ahead.
What you can do without visiting a branch
If you cannot reach a branch today, most banking tasks do not require one. You can deposit checks through your mobile app, transfer money between accounts, pay bills, set up direct deposit, and report a lost or stolen card all online or by phone. You can also withdraw cash from any ATM in your bank's network or from partner networks, even outside normal branch hours.
The main reasons to visit a branch in person are to open a new account, apply for a loan, rent a safe deposit box, or handle complex disputes. For these, you will need to wait until the branch reopens.
Frequently Asked Questions
Are banks open on Saturday?
Most large bank branches are closed on Saturday. Some credit unions and smaller regional banks open on Saturday mornings, usually 9 a.m. to 1 p.m., but this varies by location. Check your specific branch's website or call to confirm.
What if I need cash and the bank is closed?
Use an ATM. Your bank's ATMs work 24/7, and you can withdraw cash anytime. If you need cash from a different bank, you can use an ATM in a shared network or a convenience store ATM, though you may pay a fee.
Can I deposit a check when the bank is closed?
Yes, if your bank has ATMs with deposit slots, you can deposit checks anytime. You can also photograph the check and deposit it through your mobile app, which is often faster and works even if the branch is closed.
Do banks close early on the day before a holiday?
Not usually. Most banks keep regular hours the day before a holiday. However, some branches may close early on the day after Thanksgiving. Check your bank's website to be sure.
What if my bank's website does not show today's hours?
Call the branch directly. The phone number is on your debit card or in your account statements. A staff member can tell you the exact hours and whether the branch is open right now.