Check your bank's website or call their customer service line
The fastest way to know whether your bank opens tomorrow is to visit their official website and look for hours of operation, or call the number on the back of your debit card. Most banks post their hours prominently on the homepage or in a "Contact Us" section. If you call, you'll reach an automated system that states hours immediately, or a person who can tell you whether tomorrow is a holiday closure.
If your bank is part of a large chain like Bank of America, Chase, Wells Fargo, or Citibank, their website will show hours for your specific branch — not just a general schedule. Search for "branch locator" on their site, enter your zip code, and click on your branch to see tomorrow's hours.
For smaller regional or community banks, the main phone number on their website is usually the fastest route, since branch hours can vary by location.
Key Takeaways
- Your bank's official website or the phone number on your debit card will show whether they are open tomorrow.
- Federal holidays like Thanksgiving, Christmas, and New Year's Day close most banks, though hours may vary by branch.
- Some banks have reduced hours on certain days or close earlier than usual, so checking the specific branch location matters.
- If you need to deposit or withdraw money and the bank is closed, ATMs are available 24/7 at most bank locations.
Federal holidays that close banks
Banks close on federal holidays, which means if tomorrow is one of these days, your bank will not be open. The federal holidays when 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 Day, and Christmas Day.
Some banks may also close on the day after Thanksgiving or on Christmas Eve if it falls on a weekday, though this varies by institution. If tomorrow falls on one of these dates, your bank will be closed, but you can still use ATMs and mobile banking to move money or check your balance.
Weekend and evening hours
Most banks are closed on Sundays and Saturdays, though some branches in urban areas or shopping centers stay open on Saturday mornings. If tomorrow is a weekend day, check your bank's website to see whether your specific branch has Saturday hours — some do, many do not.
Weekday hours typically run from 9 a.m. to 5 p.m., but branches inside grocery stores or shopping malls may stay open later. If you need to visit in person tomorrow, the branch locator on your bank's website will show the exact opening and closing time.
What to do if the bank is closed tomorrow
If your bank is closed tomorrow but you need to move money or deposit a check, you have several options. ATMs work 24/7 and allow you to withdraw cash, deposit checks (at most banks), and transfer money between accounts. Mobile banking apps let you check balances, pay bills, and send money to other people without visiting a branch.
If you need to speak to someone and the bank is closed, most banks have customer service phone lines that operate during extended hours or on weekends. The number is on your debit card or on the bank's website. For urgent issues, some banks also offer chat support through their mobile app or website.
Banks with extended hours or Sunday service
A small number of banks and credit unions offer Sunday hours or extended weekday hours. Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so they have no branch hours — all banking happens through the app or website, which is available anytime. If you use an online bank, you do not need to check whether they are open tomorrow because they always are.
Some credit unions and regional banks also stay open later on weekdays or open on Sunday afternoons. If you use a smaller institution, check their website or call to confirm whether they have extended hours.
Using ATMs and mobile banking when branches are closed
ATMs are the most reliable way to handle banking when your branch is closed. You can withdraw cash, deposit checks and cash (depending on your bank's ATM capabilities), transfer money between your own accounts, and check your balance. Most ATMs charge no fee when you use your own bank's machine, even if the branch is closed.
Mobile banking apps let you do almost everything except withdraw cash or deposit physical checks at some banks. You can pay bills, send money to other people through services like Zelle or Venmo, move money between accounts, and check your balance. If you need to deposit a check and the branch is closed, most banks let you photograph the front and back of the check through the app and submit it electronically.
Frequently Asked Questions
Are banks open on Sundays?
Most banks are closed on Sundays. Some branches in shopping centers or urban areas may open Sunday afternoons, but this is uncommon. Check your specific branch's website or call to confirm. ATMs and mobile banking work 24/7 on Sundays.
Do banks close early on certain days?
Some banks close earlier on Fridays or the day before a holiday, though this varies by branch. Your bank's website will show the exact closing time for tomorrow. If you are unsure, call the branch directly or check the branch locator on the bank's website.
What if I need to deposit a check and the bank is closed tomorrow?
Most banks let you deposit checks through their mobile app by photographing the front and back. The check clears within one to two business days. If your bank does not offer mobile check deposit, you can deposit the check at an ATM if your bank supports it, or wait until the branch reopens.
Can I withdraw money if the bank is closed?
Yes. ATMs are available 24/7 at your bank's locations and at many other banks and stores. You can withdraw cash anytime, even when the branch is closed. Some ATMs charge a fee if you use a different bank's machine, so use your own bank's ATM when possible.
How do I find my bank's phone number if I do not have my debit card?
Search online for your bank's name plus "customer service" or "contact us". The main phone number will appear in the search results or on the bank's website. You can also search for your bank's branch locator to find the phone number for your specific branch.