Most banks close at 5 or 6 p.m. on weekdays, and many are closed on weekends
Bank hours in the United States are not uniform. The largest national banks — Chase, Bank of America, Wells Fargo, Citibank — typically operate Monday through Friday from 9 a.m. to 5 p.m. or 9 a.m. to 6 p.m., with Saturday hours from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. at some locations. Most banks are closed on Sundays and federal holidays.
However, your specific bank's hours depend on the branch location, the bank's policy, and whether today is a federal holiday. A branch in a shopping mall may stay open later than one in a downtown office building. Some regional banks and credit unions have different schedules entirely. The only reliable way to know if your bank is open right now is to check your bank's website, call the branch directly, or use the bank's branch locator tool.
If you need to deposit money, transfer funds, or speak to someone today and your bank is closed, you have other options: ATMs work 24/7, mobile banking apps let you transfer money and pay bills anytime, and many banks offer phone support during extended hours or on weekends.
Key Takeaways
- Standard weekday hours for major U.S. banks are 9 a.m. to 5 p.m. or 9 a.m. to 6 p.m., but hours vary by branch and bank.
- Most bank branches are closed on Sundays, and all banks close on federal holidays like Thanksgiving, Christmas, and New Year's Day.
- The fastest way to confirm whether your specific branch is open today is to search your bank's name plus "hours" or use the bank's branch locator on their website.
- ATMs, mobile apps, and phone banking work outside branch hours, so you can handle many transactions without visiting in person.
- Credit unions and smaller regional banks often have different hours than national chains, so do not assume your bank follows the standard schedule.
How to find your bank's hours right now
Open your bank's official website and look for a "Branch Locator," "Find a Branch," or "Hours" link — usually in the footer or top navigation. Enter your zip code or city, and the tool will show you the address, phone number, and hours for branches near you. This is the most current source because banks update it when hours change for holidays or staffing.
If you cannot find the locator online, call your branch directly. The phone number is on your debit card, your bank statements, or a quick web search for "[Bank Name] [Your City]." A staff member can tell you whether the branch is open today and whether you need an appointment for certain services.
Google Maps also displays bank hours. Search your bank's name and your location, and the hours will appear in the right panel. However, this information is sometimes outdated, so verify with the bank's official website or a phone call if the hours seem unusual.
Federal holidays when all U.S. banks close
Banks observe the following federal holidays and close all branches nationwide:
- 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)
On these days, branch lobbies are closed, but ATMs remain available. If you need to speak to someone or conduct business that requires a teller, you will need to wait until the next business day. Some banks offer limited phone support on certain holidays, though this is rare.
What you can do when your bank branch is closed
You do not have to wait for a branch to open to handle most banking tasks. ATMs work around the clock and let you withdraw cash, deposit checks (at ATMs with deposit slots), transfer money between your own accounts, and check your balance. ATM withdrawals and deposits post to your account immediately or within one business day.
Mobile banking apps let you transfer money to other people, pay bills, deposit checks by taking a photo, and monitor your account from your phone at any hour. These transactions usually process within one to three business days, depending on whether you are sending money to someone at your bank or at another bank.
If you need to speak to someone, call your bank's customer service line. Most major banks staff phone lines during evening hours and on weekends, even if branches are closed. You can also use online chat or email, though responses may take longer outside business hours.
Why bank hours vary by location
A bank branch's hours depend on foot traffic, staffing levels, and local demand. A branch in a busy downtown area or shopping center may stay open until 6 p.m. or later on weekdays and open on Saturday mornings. A branch in a smaller town or office park might close at 4 p.m. and stay closed on weekends.
Some banks also adjust hours seasonally or for special events. During tax season, for example, branches near tax preparation services may extend hours. During the holiday shopping season, branches in malls may stay open later to match mall hours.
Staffing shortages can also affect hours. If a branch is understaffed, it may reduce hours temporarily or close certain days. This is why checking your specific branch's hours online is always more reliable than assuming standard hours.
Credit unions and online banks have different schedules
Credit unions often have different hours than national banks. Some credit unions close at 4 p.m. on weekdays, while others stay open until 6 p.m. or later. Weekend hours vary widely — some credit unions open on Saturday mornings, while others are closed Saturday and Sunday entirely. Call your credit union's branch directly or check their website to confirm.
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so there are no branch hours to check. However, they offer 24/7 customer service by phone, chat, or email, and you can handle all transactions through their mobile app or website anytime. If you need to deposit a check, you can do so by photographing it in the app.
What to do if you need banking services outside normal hours
If your bank is closed and you need cash, use an ATM. If you need to deposit a check, use a mobile check deposit through your bank's app (most banks offer this) or wait until the branch opens. If you need to transfer money urgently, use your mobile app or online banking — most transfers between accounts at the same bank are instant or post within hours.
If you need to speak to a representative about a problem or have a question that requires human help, call your bank's customer service line. Most banks answer phones during evening hours and on weekends, even if branches are closed. If it is a holiday and phone lines are closed, your call will likely be routed to a voicemail system, and someone will call you back the next business day.
For time-sensitive issues like a lost or stolen card, most banks have a 24/7 fraud line. The number is on the back of your card or in your account statements. You can report the card lost or stolen and request a replacement at any hour.
Frequently Asked Questions
Are banks open on Saturday?
Many bank branches open on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m., but not all branches do. Some banks close on Saturdays entirely. Check your specific branch's hours online or call ahead to confirm. ATMs and mobile banking work on Saturdays regardless of branch hours.
What time do banks close on weekdays?
Most major bank branches close at 5 p.m. or 6 p.m. on weekdays, Monday through Friday. Some branches in shopping centers or busy areas may stay open until 7 p.m. Check your branch's website or call to confirm the exact closing time, as it varies by location.
Can I deposit a check if the bank is closed?
Yes. If your bank's ATM has a deposit slot, you can deposit a check anytime. You can also photograph the check using your bank's mobile app and deposit it that way — most banks process mobile check deposits within one business day. Both methods work outside branch hours.
Do banks close on holidays?
Yes. All U.S. banks close on federal holidays including New Year's Day, Thanksgiving, Christmas, and Independence Day. ATMs remain open, and you can use mobile banking and phone support, but you cannot visit a branch or speak to a teller. Check your bank's website for a full list of holiday closures.
How do I know if my bank is open on a specific day?
Use your bank's branch locator tool on their website, search for your bank on Google Maps, or call your branch directly. The branch locator is the most reliable source because banks update it when hours change. If you cannot find the information online, a phone call to your branch takes less than a minute.