Most banks follow standard hours, but yours may not — and holiday schedules change by branch
Whether your bank is open today depends on three things: what day it is, whether your branch observes federal holidays, and whether your specific location has different hours than the main branch. The fastest way to know is to search "[Your Bank Name] hours" plus your city, or call your branch directly. If you need to deposit or withdraw cash and your bank is closed, ATMs work 24/7, and many banks let you deposit checks through their mobile app.
Banks are closed on federal holidays — New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday. If today is one of those days, your branch will not open, though online banking and ATMs remain available.
Even on regular business days, branch hours vary. Most open between 8 and 9 a.m. and close between 4 and 6 p.m., Monday through Friday. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. — and many branches do not open on Sunday. Some banks have extended hours on certain weekdays. Your specific branch may also have different hours than others in the same bank.
Key Takeaways
- The fastest way to check is to search your bank's name and your city, or call the branch number directly.
- Banks close on ten federal holidays per year, plus Good Friday at some institutions.
- Most branches open at 8 or 9 a.m. and close at 4, 5, or 6 p.m. on weekdays, with shorter Saturday hours and no Sunday service.
- ATMs and mobile banking work around the clock, even when the branch is closed.
- Some branches have different hours than others in the same bank, so checking your specific location matters.
How to find your bank's hours right now
Open Google Maps or your bank's website and search for your branch by name and location. Google Maps shows hours for today and the next week, and will display a "Closed" label if the branch is not open. Most banks also list hours on their mobile app under "Locations" or "Find a Branch."
If you cannot find the information online, call your branch directly. The phone number is usually on your debit card, your bank statements, or the bank's website. A staff member can tell you today's hours and whether the branch is open right now.
What to do if your bank is closed
If you need cash, use an ATM. Your bank's ATM is free, and you can withdraw money 24 hours a day. If you need to deposit cash or a check, most banks let you deposit checks through their mobile app by taking a photo of the front and back. Cash deposits usually require an ATM that accepts them, which many banks now offer.
If you need to speak to someone — to dispute a charge, report a lost card, or ask about an account issue — call your bank's customer service line. This number is on your debit card and works even when branches are closed. For urgent issues like a lost or stolen card, customer service can freeze your account immediately.
Online banking is always open. You can transfer money between accounts, pay bills, and check your balance at any time, even on holidays or at 3 a.m.
Federal holidays when banks close
| Holiday | Typical Date |
|---|---|
| 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 |
| Independence Day | July 4 |
| Labor Day | First Monday in September |
| Columbus Day | Second Monday in October |
| Veterans Day | November 11 |
| Thanksgiving | Fourth Thursday in November |
| Christmas | December 25 |
Some banks also close on Good Friday, which falls between late March and late April depending on the year. A few banks close on the day after Thanksgiving as well. Check your bank's holiday schedule on its website to be certain.
Why branch hours matter less than they used to
Most banking no longer requires you to visit a branch. You can deposit checks by phone, transfer money online, pay bills through your bank's website, and withdraw cash from any ATM in your bank's network or from partner networks. Many banks also let you open accounts online without ever visiting a location.
The main reason to visit a branch now is to deposit large amounts of cash, get a cashier's check, or speak to someone about a complicated account issue. For everything else, online and mobile banking work around the clock.
Frequently Asked Questions
Can I deposit a check if the bank is closed?
Yes, if you use the mobile app. Most banks let you photograph the front and back of a check and deposit it through their app, even at midnight on a Sunday. The check usually clears within one to two business days. For cash deposits, you need an ATM that accepts them, which is becoming more common but not universal.
What if I need to withdraw money and the ATM is out of cash?
Try a different ATM, or visit a different branch location if one is nearby. If your bank's ATMs are all empty, you can withdraw cash from another bank's ATM, though you may pay a fee of $2 to $3. Some banks waive out-of-network fees if you use their partner network.
Do all branches of the same bank have the same hours?
No. A downtown branch might stay open until 6 p.m. on weekdays while a suburban location closes at 5 p.m. Some branches open on Saturday; others do not. Always check the hours for your specific location, not just your bank's general hours.
What counts as a business day for check deposits?
Monday through Friday, excluding federal holidays. A check deposited on Friday evening may not clear until Tuesday. Deposits made on weekends or holidays are processed the next business day.
Can I call my bank if it's closed?
Yes. Customer service lines are staffed 24/7 at most banks, even on holidays. You can report fraud, freeze a card, ask about your balance, or get help with account issues without visiting a branch.