Most banks are closed on Saturday, but some branches and services stay open
The short answer: most traditional bank branches close on Saturday. Chase, Bank of America, Wells Fargo, and most regional banks do not staff physical locations on Saturdays. However, some banks open select branches for limited Saturday hours, and online banking, ATMs, and mobile apps work 24/7 regardless of the day.
What you can and cannot do on Saturday depends on whether you need a teller, an ATM, or online access. If you need cash or want to deposit a check in person, you may be out of luck. If you need to transfer money, pay a bill, or check your balance, you can do it from your phone or computer.
Key Takeaways
- Most major bank branches are closed all day Saturday, though a small number of locations in larger cities may have limited Saturday hours.
- ATMs at your bank work on Saturday and Sunday around the clock, even when the branch is closed.
- Online banking, mobile apps, and phone banking are available 24/7, including Saturday, for transfers, bill pay, and balance checks.
- If you need to deposit a check or withdraw cash on Saturday, look for a 24-hour ATM or visit a branch on Friday before closing time.
- Credit unions and online-only banks may have different Saturday hours than traditional banks, so check your specific institution.
Which banks open on Saturday and which do not
The major national banks—Chase, Bank of America, Wells Fargo, Citibank, and US Bank—do not open their branches on Saturday. Some regional banks and credit unions do open on Saturday, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., but this varies widely by location and institution.
Online-only banks like Ally, Charles Schwab Bank, and Discover have no physical branches at all, so Saturday hours do not apply. However, their customer service lines and online platforms are available on Saturday.
To find out whether your specific bank branch opens on Saturday, call the branch directly or check the bank's website and search for your location. Many banks list Saturday hours on their branch locator tool. If your branch does not open Saturday, the next closest location might.
What you can do on Saturday without visiting a branch
ATMs work on Saturday and Sunday 24 hours a day. You can withdraw cash, deposit checks (if your bank's ATM has a deposit slot), transfer money between accounts, and check your balance. ATM fees may apply if you use an out-of-network machine.
Online banking and mobile apps let you transfer money between accounts, send money to other people, pay bills, deposit checks by photograph (mobile check deposit), and view your account history. These services work the same on Saturday as they do on any other day.
Phone banking is also available on Saturday. Call the number on the back of your debit card or on your bank's website to speak with a representative or use the automated system to check balances, make transfers, or report a lost card.
What you cannot do on Saturday without a branch
You cannot speak to a teller on Saturday at most banks. This means you cannot open a new account, apply for a loan, order a cashier's check, report a problem that requires human judgment, or get cash if your ATM card is lost or damaged.
You cannot deposit cash at an ATM (most ATMs only accept checks and cards, not bills). If you need to deposit cash on Saturday, you will have to wait until Monday or find a branch that opens Saturday.
You cannot resolve disputes or fraud claims that require investigation. If someone used your card fraudulently on Saturday, you can report it by phone, but the investigation and resolution will not start until Monday.
How to plan ahead if you need banking on Saturday
If you know you will need to deposit cash or handle something that requires a teller, do it on Friday before the branch closes. Most bank branches close at 5 p.m. or 6 p.m. on Friday, though some stay open until 7 p.m. or later.
If you need cash on Saturday and your ATM card is lost, call your bank's customer service line on Friday to request an emergency cash advance or to have a replacement card expedited. Some banks can arrange this over the phone.
If you are expecting a check or payment on Saturday, remember that deposits made through ATMs or mobile check deposit may not post until Monday. Same-day posting is rare and depends on the bank and the type of deposit.
Credit unions and online banks on Saturday
Credit unions vary widely. Some open on Saturday from 9 a.m. to 1 p.m., while others follow the same Monday-to-Friday schedule as traditional banks. Check your credit union's website or call ahead.
Online-only banks do not have branches, so Saturday hours do not apply. However, their customer service is often available on Saturday by phone or chat, and all online services work 24/7. If you need to move money or pay a bill, an online bank can handle it on Saturday without delay.
What to do if you need banking services and your branch is closed
Use an ATM if you need cash or want to deposit a check. Most banks have ATMs at multiple locations, including grocery stores, gas stations, and convenience stores. Check your bank's ATM locator on their website or app.
Use mobile check deposit if you have a check. Take a photo of the front and back of the check through your bank's app, and it will be deposited into your account. The funds may not post until Monday, but the deposit is recorded on Saturday.
Call customer service if you need to report fraud, request a wire transfer, or handle something urgent. Most banks have 24/7 phone lines, and a representative can help you on Saturday even if the branch is closed.
Visit a different branch if one is open nearby. Some banks have locations in different neighborhoods or nearby towns that may have Saturday hours. Use the bank's branch locator to find alternatives.
Frequently Asked Questions
Can I deposit a check on Saturday?
Yes, if your bank has a 24-hour ATM with a deposit slot. You can also use mobile check deposit through your bank's app to photograph and deposit the check on Saturday. The funds may not post until Monday, but the deposit is recorded the same day.
Can I withdraw cash on Saturday if I do not have my debit card?
No, not at an ATM. You would need to visit a branch during business hours or call customer service to request an emergency cash advance. Some banks can arrange this over the phone, but it depends on the bank's policy.
Do all banks have the same Saturday hours?
No. Most major banks are closed on Saturday, but some regional banks and credit unions open for limited hours. Hours vary by location and institution. Check your specific bank's website or call the branch directly to confirm.
Can I transfer money on Saturday?
Yes, through online banking, a mobile app, or by phone. Transfers between your own accounts usually post immediately. Transfers to other people or banks may take one to three business days, depending on the type of transfer and the receiving bank.
What if I need to open a new account on Saturday?
You cannot open an account at a branch on Saturday. However, some banks allow you to open an account online or through a mobile app on Saturday. The account may be fully active immediately, or it may require verification that takes until Monday.