Most U.S. banks follow the same schedule, but yours might not
Most banks in the United States are open Monday through Friday from 9 a.m. to 5 p.m., with limited Saturday hours at many branches and closed on Sundays. However, the exact hours depend on your specific bank, your specific branch, and the day of the week. A branch two miles from you might close at 4 p.m. while another stays open until 6 p.m. The fastest way to know if your bank is open right now is to search "[Your Bank Name] hours" plus your zip code, or call the branch directly.
Federal holidays change the schedule entirely. Banks close on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. If today is one of those days, your bank is closed, regardless of what day of the week it falls on.
Key Takeaways
- Standard bank hours are 9 a.m. to 5 p.m. Monday through Friday, but individual branches vary by an hour or more in each direction.
- The most reliable way to check is to search your bank's name and branch location online, or call the branch directly.
- Banks close on all federal holidays, which changes year to year depending on the calendar.
- If you need to deposit money or access cash outside branch hours, use your bank's ATM, mobile app, or online banking.
- Credit unions and online banks often have different hours than traditional banks, so check their schedules separately.
How to find your bank's hours right now
Open your bank's website or mobile app and look for a "Locations" or "Find a Branch" tool. Enter your zip code or address, and the site will show you every branch near you with its hours for today and the rest of the week. This is the fastest method because it pulls live data from the bank's system.
If you don't have the app or can't find the hours online, call your branch directly. The phone number is on your debit card, your bank statements, or a quick Google search. A staff member can tell you immediately whether they're open and when they close today.
Google Maps also shows bank hours. Search your bank name and branch location, and Google will display today's hours, whether they're open right now, and a phone number to call. This works even if you don't have the bank's app.
What counts as a federal holiday when banks close
Banks observe 11 federal holidays every year. The dates are fixed for some (Christmas on December 25, Independence Day on July 4) and rotate for others (Thanksgiving is always the fourth Thursday of November; Presidents' Day is always the third Monday in February). If today is one of these days, your bank will not be open, even if it normally operates on that day of the week.
Juneteenth (June 19) and Veterans Day (November 11) are federal holidays, so banks close on those dates. If the holiday falls on a weekend, banks typically close on the nearest weekday instead — so if Christmas falls on a Saturday, banks close on Friday; if it falls on a Sunday, they close on Monday.
Getting cash and deposits when your bank is closed
Your bank's ATM is open 24 hours a day, seven days a week. You can withdraw cash, deposit checks (if your ATM has a deposit slot), and check your balance at any time, even if the branch is closed. Most modern ATMs accept check deposits and show you a photo of the check as confirmation.
Your bank's mobile app lets you transfer money between accounts, pay bills, and send money to other people without visiting a branch. You can also deposit checks by taking a photo of the front and back with your phone — this is called mobile check deposit and works even at 2 a.m. on a Sunday.
If you need to speak to someone at your bank when the branch is closed, many 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.
Credit unions and online banks have different hours
Credit unions often have shorter hours than traditional banks. Many credit unions close at 4 p.m. on weekdays and don't open on Saturday. Some credit unions are only open Monday through Friday, 9 a.m. to 3 p.m. Check your credit union's website or call your branch to confirm today's hours.
Online banks like Ally, Charles Schwab, and Marcus don't have physical branches, so there are no branch hours to check. However, they offer customer support by phone, email, or chat during business hours, and their websites and apps are accessible 24/7. If you need to deposit a check, you can use mobile deposit through their app.
Banks that are open on Saturday
Many large banks open on Saturday from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though hours vary by location. Smaller branches and branches in rural areas may not be open on Saturday at all. The only way to know is to check your specific branch's hours online or call ahead.
If you need banking services on Saturday and your branch is closed, use your ATM for cash withdrawals and deposits, or use your mobile app to transfer money or pay bills. These services don't depend on branch hours.
What to do if you need to reach your bank on a holiday
Call your bank's customer service line. The number is on your debit card or your bank's website. Most banks operate a 24-hour phone line even on holidays, though wait times may be longer. You can handle many transactions over the phone: transfer money, report a lost card, dispute a charge, or ask questions about your account.
Use your mobile app or online banking portal. These are open 24/7 on holidays. You can check your balance, transfer money between accounts, pay bills, and deposit checks by photo without speaking to anyone.
If your issue is urgent and requires a branch visit — for example, you need a cashier's check or a new debit card in person — you'll have to wait until the branch reopens. Most issues can be handled by phone or app instead.
Frequently Asked Questions
Are banks open on Thanksgiving?
No. Thanksgiving is a federal holiday, so all banks are closed. This year, Thanksgiving falls on Thursday, November 28. If you need cash or need to deposit a check, use your ATM or mobile app.
What time do most banks close on Friday?
Most banks close at 5 p.m. on Friday, though some close at 4 p.m. or 6 p.m. depending on the branch. Check your bank's website or call your branch to confirm.
Can I deposit a check on Sunday?
Yes, using mobile check deposit through your bank's app. Take a photo of the front and back of the check and submit it through the app. The check will be processed when the bank opens on Monday. You can also deposit checks at your ATM if it has a deposit slot.
Do banks open earlier on any day of the week?
Most banks open at 9 a.m. every weekday. Some branches open at 8 a.m., but this is less common. Check your specific branch's hours online or call to confirm.
What if my bank's website doesn't show today's hours?
Call the branch directly. The phone number is on your debit card or a Google search. A staff member can tell you whether they're open and when they close today.