Most banks follow the same schedule, but yours might not
Whether your bank is open tomorrow depends on three things: the day of the week, whether it is a federal holiday, and your specific bank's hours. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank are closed on Sundays and federal holidays. Credit unions and smaller regional banks often have different schedules — some open on Saturday, some close on Wednesday afternoons, some stay open until 7 p.m. on weekdays. The fastest way to know is to search "[Your Bank Name] hours" or call the branch directly.
Federal holidays when all banks close are: 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 tomorrow is one of these dates, your bank will be closed regardless of what day of the week it falls on.
Key Takeaways
- Most major banks are closed on Sundays and all federal holidays, but hours vary by branch and by bank.
- The quickest way to confirm is to search your bank's name plus "hours" or call your specific branch directly.
- Credit unions and regional banks often have different schedules than national chains, so do not assume they follow the same pattern.
- If you need to deposit a check or withdraw cash and the bank is closed, ATMs are available 24/7 at most banks.
- Some banks offer mobile deposit through their app, which works even when branches are closed.
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 will show "Open" or "Closed" with the hours listed below. If you use your bank's mobile app, tap the branch locator or ATM finder — most apps show hours for each location. You can also call the branch directly; the phone number is on your debit card, your bank statements, or the bank's website.
If you are not sure which branch is closest to you, use your bank's branch finder tool. Chase, Bank of America, Wells Fargo, and most other national banks have these on their websites. Enter your zip code and the tool will list nearby branches with their hours.
What to do if the bank is closed tomorrow
ATMs work 24 hours a day, seven days a week at most banks. You can withdraw cash, deposit checks (if your bank offers mobile deposit or ATM check deposit), and transfer money between your own accounts. ATM withdrawals and transfers happen immediately or within one business day.
If you need to speak to someone or handle something that requires a teller — like opening a new account, getting a cashier's check, or reporting fraud — you will have to wait until the bank reopens. Most banks reopen the next business day. If tomorrow is Friday and the bank is closed, it will reopen on Monday (unless Monday is a federal holiday).
Many banks now offer mobile deposit through their apps. Take a photo of the front and back of a check, enter the amount, and the check deposits into your account without visiting a branch. The funds usually appear within one to three business days.
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 |
| Juneteenth | June 19 |
| 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 |
When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, most banks close on Monday. Check your bank's website to confirm, because some banks follow different rules.
Why bank hours vary by location
A single bank chain can have different hours at different branches. A Chase branch in a downtown area might be open until 6 p.m. on weekdays, while a Chase branch in a suburb might close at 5 p.m. Some branches are open on Saturday; others are not. This is why searching for your specific branch matters — the general bank hours do not tell you whether your branch is open tomorrow.
Credit unions often have shorter hours than national banks. Many are open Monday through Friday only, with hours from 9 a.m. to 5 p.m. Some credit unions have extended hours on certain days or Saturday hours, but you cannot assume this without checking. Regional banks vary widely as well.
What happens if you need money and the bank is closed
If you need cash, use an ATM. If you need a check deposited, use mobile deposit or an ATM that accepts check deposits. If you need to wire money or handle something that requires a teller, you will have to wait until the bank opens. Most banks open at 9 a.m. on weekdays.
If tomorrow is a weekend or holiday and you need to handle something urgent, call your bank's customer service line. The number is on your debit card or your bank's website. Customer service representatives can often help with account questions, fraud reports, and other issues even when branches are closed. Some banks also offer online chat support 24/7.
Frequently Asked Questions
Are banks open on Saturday?
Some are, some are not. Large national banks like Chase and Bank of America have Saturday hours at many branches, but not all. Credit unions and regional banks vary widely. Search your specific branch to confirm whether it is open on Saturday.
What if I need to deposit a check and the bank is closed?
Use mobile deposit through your bank's app if you have it — take a photo of the front and back of the check and submit it. If your bank offers ATM check deposit, you can use that too. Both methods work 24/7. The check will post to your account within one to three business days.
Do banks close early on certain days?
Yes, some branches close earlier on certain weekdays. A branch might be open 9 a.m. to 5 p.m. Monday through Friday but close at 1 p.m. on Wednesday. Check your specific branch's hours — do not assume all days are the same.
Can I withdraw money if the bank is closed?
Yes, use an ATM. ATMs are available 24/7 at most banks and credit unions. You can withdraw cash, check your balance, and transfer money between your own accounts anytime, whether the branch is open or not.
What if tomorrow is a holiday — will the bank be closed?
Yes, banks close on all federal holidays. If you are unsure whether tomorrow is a federal holiday, search the date online or check your bank's website — most banks list their holiday closures in advance.