Most banks follow the same holiday schedule, but hours vary by location and day
Whether your bank is open today depends on three things: what day it is, whether it's a federal holiday, and which branch you're trying to reach. Most banks in the United States close on the same federal holidays—New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. On those days, all branches are closed and you cannot make deposits, withdrawals, or speak to a teller in person.
On regular weekdays and Saturdays, individual branches have different hours. A branch downtown might open at 8 a.m. and close at 5 p.m., while a suburban location opens at 9 a.m. and closes at 6 p.m. Some branches are open Saturday mornings; others are not. Sunday hours are rare but do exist at some larger branches in major cities. The only way to know for certain is to check your specific branch's schedule.
Key Takeaways
- Federal holidays are the only days when all bank branches close nationwide—check the federal holiday calendar if today is one of those dates.
- Individual branch hours vary by location, so you need to look up your specific branch rather than assuming all branches keep the same schedule.
- Your bank's website or mobile app shows today's hours for each branch within seconds, and is more current than calling.
- If you need to deposit money or speak to someone today and your branch is closed, ATMs and mobile deposit are available 24/7 at most banks.
How to check if your branch is open right now
The fastest way is to open your bank's website or mobile app and search for your branch by address or ZIP code. The result will show today's hours, whether it's currently open, and when it closes. This takes about 30 seconds and is always current—banks update this information automatically when they change hours for holidays or staffing.
If you don't have the app, you can call your branch directly. The phone number is on your debit card, on your bank statements, or in a Google search for "[Bank Name] near me." When you call, the greeting will tell you today's hours before you reach anyone. You can also use Google Maps: search your bank's name and your city, click on the branch, and the hours appear on the right side of the screen. Google updates these hours regularly, though occasionally they lag by a day or two.
Federal holidays when all banks close
Banks close on these dates every year: January 1 (New Year's Day), the third Monday in January (Martin Luther King Jr. Day), the third Monday in February (Presidents' Day), the last Monday in May (Memorial Day), July 4 (Independence Day), the first Monday in September (Labor Day), the fourth Thursday in November (Thanksgiving), and December 25 (Christmas). If today is one of these dates, your bank is closed.
Some banks also close on Election Day if it falls on a Tuesday, though this is less common. A few banks close on Good Friday or other religious holidays, but this varies by institution. Your bank's website will list any additional closures under a "Holiday Hours" or "Closures" section.
What to do if your branch is closed today
ATMs work 24/7, so you can withdraw cash or check your balance anytime. Most banks also offer mobile deposit through their app—you photograph the front and back of a check, and it deposits into your account within one or two business days. This works even when branches are closed.
If you need to speak to someone, call the bank's customer service line (usually on the back of your debit card). A representative can answer questions about your account, process wire transfers, or report fraud even when branches are closed. Some banks also offer chat support through their website or app during extended hours.
Saturday and Sunday hours
Most bank branches are closed on Sunday. Saturday hours vary widely—some branches open at 9 a.m. and close at 1 p.m., others stay open until 5 p.m., and some don't open at all. A few large branches in major cities have Sunday hours, usually from 11 a.m. to 3 p.m., but this is uncommon. The only way to know is to check your specific branch.
If you need banking services on a weekend, ATMs and mobile deposit are your best options. Some banks also partner with other banks' ATM networks, so you may be able to use a different bank's ATM without a fee.
Banks that stay open later on weekdays
Most branches close between 4 p.m. and 5 p.m. on weekdays, but some stay open until 6 p.m. or later, especially in urban areas or shopping centers. A few banks advertise "extended hours" and stay open until 7 p.m. or 8 p.m. on certain weekdays. Check your branch's schedule to see if it's one of them.
If your branch closes before you can get there, remember that you can handle many transactions online or through the app—transfers, bill payments, and account changes don't require a teller. Wire transfers and cashier's checks usually need to be done in person or by phone, so plan ahead if you need those services.
Frequently Asked Questions
Is my bank open on Presidents' Day?
No. Presidents' Day (the third Monday in February) is a federal holiday, and all banks close on federal holidays. ATMs and mobile deposit work 24/7, and you can call customer service for account questions.
Can I deposit a check on Sunday?
You cannot deposit a check at a teller on Sunday because branches are closed. However, most banks let you photograph the check using mobile deposit through their app, and it will process by Monday or Tuesday. ATMs at some locations also accept check deposits on Sunday.
What if I need cash and my bank is closed?
Use an ATM. Your bank's ATMs work 24/7. If you need cash from a different bank's ATM, you may pay a fee, but it's available. Some banks reimburse out-of-network ATM fees if you use their app to find a partner ATM.
Do all branches of the same bank have the same hours?
No. A downtown branch might open at 8 a.m. while a suburban branch opens at 9 a.m. Some branches are open Saturday; others are not. Always check your specific branch's hours rather than assuming all locations are the same.
How do I know if my bank changed its hours?
Check your bank's website or app—they update branch hours automatically. You can also call the branch directly. Google Maps sometimes lags by a day or two, so it's less reliable for same-day changes.