Most banks are closed on weekends and federal holidays, open Monday through Friday
Bank hours in America follow a standard pattern: most branches open at 9 a.m. or 10 a.m. on weekdays and close between 4 p.m. and 6 p.m., depending on the bank and location. Saturday hours vary widely — some banks open for a few hours, others stay closed. All banks close on Sundays and on federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day.
The fastest way to know if your bank is open today is to search the bank's name plus "hours" in Google Maps, or to call the specific branch directly. The main bank website usually lists hours by location, but branch hours can differ from the corporate headquarters hours listed on the homepage.
If you need to move money today and your bank is closed, you have options: ATMs work 24/7, online transfers between accounts happen instantly or within one business day, and some banks offer mobile check deposit through their app.
Key Takeaways
- Standard bank hours are 9 a.m. to 5 p.m. Monday through Friday, but opening and closing times vary by bank and branch location.
- Google Maps and the bank's official website show the exact hours for your specific branch today.
- All banks close on Sundays and federal holidays, including Thanksgiving, Christmas, New Year's Day, Memorial Day, Independence Day, and Labor Day.
- ATMs, online transfers, and mobile check deposit work when branches are closed, so you can complete many transactions without visiting in person.
- Calling your branch directly is the most reliable way to confirm hours if you need to speak with a teller or manager today.
How to check your bank's hours right now
Open Google Maps on your phone or computer and search for your bank name and branch location. The map result will show the hours for today, tomorrow, and the rest of the week. If the branch is closed, it will say "Closed" in red text next to the current time.
Alternatively, 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 list nearby branches with their hours. Some banks, like Chase and Bank of America, also show hours in their mobile apps under the branch locator.
If you cannot find the information online or the hours listed seem outdated, call the branch directly. The phone number is usually on the bank's website or in Google Maps. A staff member can confirm whether the branch is open today and whether you need an appointment for certain services.
Federal holidays when all banks close
Banks close on the following federal holidays every year: 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, all bank branches are closed, but ATMs and online banking remain available. If you need to deposit a check or withdraw cash on a holiday, use an ATM or mobile check deposit through your bank's app. Transfers between your own accounts process instantly online, even on holidays.
What you can do when your bank is closed
ATMs work around the clock, so you can withdraw cash, check your balance, and transfer money between your own accounts at any time. Some ATMs charge a fee if you use a machine owned by a different bank, but your bank's own ATMs are always free.
Online banking and mobile apps let you transfer money to other people, pay bills, and deposit checks by taking a photo. These transactions usually process within one business day, though transfers to accounts at the same bank often go through instantly. You can also set up automatic payments for recurring bills so you do not have to log in each time.
If you need to speak with someone about a problem with your account, most banks offer phone support during extended hours or 24/7. Check your bank's website or the back of your debit card for the customer service number.
Saturday hours and limited-service branches
Saturday hours differ by bank and location. Large national banks like Chase, Bank of America, and Wells Fargo typically open some branches on Saturday from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., but not all branches participate. Credit unions and smaller regional banks may have different Saturday schedules or no Saturday hours at all.
Some banks operate limited-service branches in grocery stores or pharmacies that stay open longer than traditional branches. These locations usually handle deposits, withdrawals, and basic transactions but may not offer services like loan applications or safe deposit boxes. Check your bank's website to see if a limited-service branch is near you.
Time zones and bank hours across regions
Bank hours are listed in the local time zone of each branch. If you are calling or visiting a branch in a different time zone, remember to convert. For example, a branch in California closes at 5 p.m. Pacific Time, which is 8 p.m. Eastern Time.
Online banking and ATMs work across all time zones simultaneously, so you can transfer money or check your balance from anywhere in the country at any time. If you are traveling and need to visit a branch, search for your bank's locations in the area you are visiting and check their local hours before you go.
What to do if you need cash or a service today and your bank is closed
If you need cash and your bank is closed, find an ATM owned by your bank or a network your bank belongs to. Most banks are part of a shared ATM network that lets you withdraw cash from thousands of machines without a fee. Your bank's app or website will show ATM locations near you.
If you need to deposit a check, use mobile check deposit through your bank's app if you have it. Take a photo of the front and back of the check, enter the amount, and submit it. The check usually clears within one business day. If your bank does not offer mobile deposit, you can mail the check or wait until the branch reopens.
If you need to speak with someone about a fraud claim, a locked account, or another urgent issue, call the customer service number on the back of your debit card. Most banks offer phone support 24/7, even on weekends and holidays.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 2 p.m., but not all locations participate. Check your specific branch on Google Maps or your bank's website to see if it is open this Saturday. Many credit unions and smaller banks do not have Saturday hours.
What time do banks close on weekdays?
Most banks close between 4 p.m. and 6 p.m. on weekdays, but it varies by bank and location. Some branches stay open until 6 p.m. or later, while others close at 4 p.m. Search your branch on Google Maps or call to confirm the exact closing time.
Can I deposit a check on a holiday?
You cannot deposit a check at a branch on a holiday because all branches are closed. However, you can use mobile check deposit through your bank's app to photograph and submit the check. The check will process on the next business day.
Do ATMs work when the bank is closed?
Yes, ATMs work 24/7, including on weekends, holidays, and after branch hours. You can withdraw cash, check your balance, and transfer money between your own accounts at any time using an ATM.
How do I find the hours for my specific branch?
Search your bank name and branch location on Google Maps, or visit your bank's website and use the branch locator tool. Both will show today's hours and the hours for the rest of the week. If the information seems outdated, call the branch directly to confirm.