Most US banks are open Monday through Friday, 9 a.m. to 5 p.m., but hours vary by location and bank
Whether a bank branch is open right now depends on three things: the day of the week, the time, and which bank you're checking. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank typically keep standard weekday hours of 9 a.m. to 5 p.m., with shorter Saturday hours (usually 9 a.m. to 1 p.m.) and closed Sundays. Smaller regional banks and credit unions may have different schedules entirely. The only way to know for certain is to check your specific branch.
Federal holidays close almost all banks. The Federal Reserve observes 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. Some banks may also close on additional state holidays depending on where the branch is located.
Key Takeaways
- Most bank branches operate Monday through Friday from 9 a.m. to 5 p.m., with limited or no weekend hours.
- Saturday hours are typically 9 a.m. to 1 p.m., and most branches are closed on Sundays.
- All major US banks close on federal holidays, which include 11 nationwide observances plus some state-specific dates.
- The fastest way to confirm today's hours is to search your bank's name plus "hours" or call the branch directly.
- ATMs and online banking work 24/7 regardless of branch hours, so you can deposit checks and transfer money anytime.
How to find your bank's hours right now
Google Maps is the fastest tool. Search your bank name and your city, or search "banks near me." The branch location card will show hours for today and the next several days. If you see "Closed" with a red label, the branch is not open. If you see green text with a time, it shows when they close today.
Your bank's website also lists branch hours. Go to the bank's main site, find "Locations" or "Find a Branch," enter your zip code or address, and click the branch you use. Hours appear on the branch detail page, usually with a note about today's status. Many banks also show whether the branch offers drive-through service and which services are available (some branches handle loans but not safe deposit boxes, for example).
Calling the branch directly is reliable if you need to confirm same-day hours or ask whether a service you need is available. The phone number appears on Google Maps and the bank's website. If you call outside business hours, you'll reach an automated message with hours and sometimes a callback option.
Why hours change and what counts as "open"
Banks close on federal holidays even if they would normally be open that day. They also close on some state holidays — for example, banks in Texas close on Texas Independence Day (March 2), and banks in some other states observe additional observances. If today is a holiday, the branch will be closed regardless of what day of the week it is.
A branch being "open" means the lobby is staffed and you can walk in to speak to a teller or banker. Drive-through windows sometimes stay open 30 minutes to an hour after the lobby closes, so if you only need to deposit a check or withdraw cash, you may still be able to use the drive-through. The branch's website or a call will tell you the drive-through closing time.
Some banks also operate limited-service branches in grocery stores or pharmacies. These locations often have shorter hours than full branches — sometimes only 10 a.m. to 6 p.m. on weekdays — and may not offer all services. Check the specific location's hours before you go.
What you can do when the branch is closed
ATMs work 24/7 and let you withdraw cash, deposit checks (if your bank's ATM has a deposit slot), and transfer money between your accounts. Most ATMs are free if you use your own bank's machine, but out-of-network ATM fees typically range from $2 to $3 per transaction.
Online banking and mobile apps work around the clock. You can transfer money between accounts, pay bills, deposit checks by taking a photo, and view your balance anytime. If you need to send money to someone outside your bank, you can set up a wire transfer or use a service like Zelle (which many banks offer free through their app). Wire transfers usually process within one business day.
If you need to speak to someone outside branch hours, most banks offer phone support. Call the number on the back of your debit card or on your statement. You'll reach a customer service representative who can answer questions, report fraud, or help with account issues. This service is free and available evenings and weekends.
Banks that have extended or weekend hours
Some banks stay open later on certain weekdays. Chase, for example, keeps some branches open until 6 or 7 p.m. on weekdays in urban areas, though hours vary by location. Bank of America and Wells Fargo also have select branches with extended hours. Check your specific branch's hours — you cannot assume extended hours apply everywhere.
A few banks offer limited Sunday hours at certain locations, usually in high-traffic areas like shopping districts or near transit hubs. These Sunday hours are typically 11 a.m. to 3 p.m. and are not standard across all branches. Again, check your branch directly.
Online-only banks like Ally, Charles Schwab, and Marcus have no physical branches, so there are no branch hours to check. They operate entirely through their website and app, and customer service is available by phone during business hours (usually 8 a.m. to 10 p.m. on weekdays). If you need in-person banking, you'll need to use an ATM or visit a partner bank's branch.
What to do if you need banking services and the branch is closed
If you need to deposit a check, use the ATM if your bank offers mobile check deposit through the app. Take a photo of the front and back of the check, enter the amount, and submit it through the app. The funds usually appear in your account within one business day. If the ATM doesn't have a deposit slot, mobile deposit is your fastest option.
If you need cash and the ATM is out of service or you've hit your daily withdrawal limit, you can use a different bank's ATM (though you'll pay a fee) or wait until the branch reopens. Some banks raise daily ATM withdrawal limits if you call customer service and request it, though this varies by bank and account type.
If you need to speak to a banker about a loan, account issue, or other complex matter, you'll need to wait for the branch to reopen or call customer service. Most issues can be handled by phone, but some (like opening a new account or getting a safe deposit box) may require an in-person visit. Call ahead to confirm what services require a branch visit at your bank.
Frequently Asked Questions
Are banks open on Saturday?
Most bank branches are open on Saturday from 9 a.m. to 1 p.m., though some close earlier or don't open at all. A few branches in busy areas stay open until 2 or 3 p.m. Check your specific branch's hours on Google Maps or your bank's website — Saturday hours vary widely by location and bank.
What time do banks close on weekdays?
Most US bank branches close at 5 p.m. on weekdays, though some close at 4 p.m. and others (especially in cities) stay open until 6 or 7 p.m. Check your branch's hours online or call to confirm, since closing time varies by location.
Are banks open on federal holidays?
No. All major US banks close on the 11 federal holidays observed by the Federal Reserve: New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on state-specific holidays.
Can I deposit a check if the bank is closed?
Yes, if your bank offers mobile check deposit through its app or if the ATM has a deposit slot. Take a photo of both sides of the check and submit it through the app, or insert the check into the ATM. The funds typically appear in your account within one business day.
What's the difference between lobby hours and drive-through hours?
The lobby is where you speak to a teller or banker in person. The drive-through is a window where you can deposit checks and withdraw cash without leaving your car. Drive-through windows often stay open 30 minutes to an hour after the lobby closes. Check your branch's website to see both times.