Check your bank's website or call the branch directly
The fastest way to know if your bank is open is to visit its website and look for "Hours" or "Locations." Most banks show today's hours and tomorrow's hours on the homepage, or you can search for your specific branch. If you have the bank's phone number, calling the branch directly takes 30 seconds — they will tell you whether they are open now and what time they close.
If you are looking at a branch location page, the hours listed there override the main bank hours. A branch might close early on Friday or stay open late on Thursday, even if the bank's standard hours say something different. Check the specific branch, not just the bank name.
Many banks also show holiday closures on their website. Federal holidays like Thanksgiving, Christmas, and New Year's Day close most banks, but some regional banks or credit unions may have different schedules. If you are planning ahead for a holiday, search "[Your Bank Name] holiday hours" to see the full calendar.
Key Takeaways
- Your bank's website shows hours for today and tomorrow, usually on the homepage or branch location page.
- Calling your branch directly is the fastest way to confirm if they are open right now.
- Branch hours can differ from the bank's main hours, so always check the specific location you plan to visit.
- Federal holidays close most banks, but some credit unions and regional banks may have different schedules.
- Google Maps and Apple Maps both display bank hours and real-time open/closed status if you search for your branch.
Use Google Maps or Apple Maps to see real-time status
Open Google Maps or Apple Maps on your phone and search for your bank by name and location. The map will show the branch address, phone number, and hours. More useful: it will show a green "Open" label if the branch is currently open, or a red "Closed" label if it is not. This works even if you do not know the exact address — just type the bank name and your city.
These maps also show when the branch closes today. If it is 4:45 p.m. and the branch closes at 5 p.m., the map will say "Closes in 15 minutes." This is especially helpful if you are trying to make it to the bank before closing time.
Understand why banks close on certain days
Banks close on federal holidays because the Federal Reserve does not process transactions on those days. This includes New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some banks also close on Presidents' Day and Juneteenth. When a federal holiday falls on a weekend, most banks close on the nearest weekday instead.
Beyond federal holidays, individual banks set their own hours. Most branches open at 9 a.m. and close between 4 p.m. and 6 p.m. on weekdays. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. — and many branches are closed on Sunday. Credit unions sometimes have different hours than large national banks, so do not assume your credit union follows the same schedule as Bank of America or Chase.
What to do if you need banking services when branches are closed
You do not have to wait for a branch to open to handle most banking tasks. ATMs work 24/7 and let you withdraw cash, deposit checks (at ATMs with deposit slots), transfer money between accounts, and check your balance. If your bank is part of a shared ATM network, you can use ATMs from other banks in that network without a fee.
Online banking and mobile apps work around the clock. You can transfer money, pay bills, deposit checks by taking a photo, and send money to other people through services like Zelle or your bank's own transfer system. If you need to speak to someone, most banks offer phone support during extended hours — sometimes 7 a.m. to 9 p.m. or later — even when branches are closed.
If you need to deposit a physical check and your bank does not have mobile check deposit, you can mail the check to the bank's processing address (usually listed on the back of your statements or on the website). Mail deposits take longer to clear, but they work when branches are closed.
Plan ahead for weekends and holidays
If you know you will need to visit a branch on a specific day, check the hours at least a day ahead. Many people assume banks are open on Saturday morning and show up to find the branch closes at noon or is closed entirely. A 30-second check of the website saves a wasted trip.
For holidays, mark your calendar. If you need to deposit a check before a long weekend, do it on Friday or use mobile deposit. If you need cash, withdraw it before the holiday. Banks do not process transactions on federal holidays, so any deposit you make on a holiday will not be credited until the next business day anyway.
Contact your bank if hours seem wrong
If you see conflicting information — the website says one thing, Google Maps says another, or the branch door says something different — call the branch directly. Hours sometimes change due to staffing, renovations, or local events, and the website may not update immediately. A quick phone call clears up the confusion.
If a branch is supposed to be open but the door is locked, take a photo and call the bank's customer service line. Branches occasionally close unexpectedly due to emergencies or system outages, and the bank needs to know.
Frequently Asked Questions
Are banks open on Saturday?
Most banks are open on Saturday morning, but hours are shorter than weekdays — usually 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. Some branches are closed on Saturday entirely. Check your specific branch's hours, as they vary by location and bank.
What time do banks close on weekdays?
Most bank branches close between 4 p.m. and 6 p.m. on weekdays, though some stay open until 7 p.m. or later. A few branches in busy areas may have different hours. Your branch's website or a phone call will give you the exact time.
Can I deposit a check if the bank is closed?
Yes. If your bank offers mobile check deposit through its app, you can deposit anytime. If not, you can mail the check to the bank's processing address or use an ATM with a deposit slot. Deposits made after business hours or on weekends will be credited the next business day.
Do credit unions have the same hours as banks?
No. Credit unions set their own hours and they often differ from bank hours. Some credit unions close earlier than banks, while others stay open later. Check your credit union's website or call to confirm their hours.
What happens if I try to use a closed bank's ATM?
ATMs work 24/7, even when the branch is closed. You can withdraw cash, deposit checks (if the ATM has a deposit slot), and check your balance at any time, day or night.