Check your bank's website or call the branch directly
The fastest way to know if your bank is open today is to visit its website and look for "hours" or "locations." Most banks show today's hours on the homepage or in a dedicated branch finder tool. You can also call your specific branch — the number is usually on your debit card or in your account statements — and a recorded message will tell you whether it's open.
If you use a major bank like Chase, Bank of America, Wells Fargo, or Citibank, their apps often display branch hours right on the home screen. Credit unions typically have smaller networks, so calling ahead is especially useful if you're not near your main branch.
For online-only banks like Ally, Charles Schwab, or Marcus, there are no physical branches to visit. These banks handle transactions through their websites and apps 24/7, though customer service phone lines may have limited hours.
Key Takeaways
- Most bank websites and mobile apps show today's hours on the homepage or in a branch locator tool.
- Calling your branch directly gives you the most reliable answer, especially on holidays or unusual days.
- Banks are typically closed on federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day.
- Online-only banks have no physical locations but process transactions through apps and websites around the clock.
- If you need cash or in-person service and your branch is closed, ATMs and other branches in your bank's network usually remain available.
Federal holidays when most banks close
Banks close on federal holidays, which means you cannot visit a branch or speak to a teller on these days. The main holidays when banks shut down are 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), 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), and Christmas (December 25).
Some banks also close on Good Friday or other religious holidays depending on their location or policies. If you're unsure whether a specific day is a bank holiday, your bank's website will list its holiday schedule, or you can call the branch.
Even on holidays, ATMs remain open and you can transfer money, pay bills, or deposit checks through your bank's mobile app or website. Wire transfers and other services may process the next business day instead.
What to do if your bank is closed
If your branch is closed but you need cash, use an ATM. Most banks operate ATM networks 24/7, and you can withdraw money even when the branch is shut. If you use a different bank's ATM, you may pay a fee — typically $2 to $3 — unless your bank has a partnership or shared network agreement with that ATM operator.
For deposits, most banks let you photograph checks with your mobile app and deposit them without visiting a branch. You can also transfer money between your own accounts or send money to other people through your bank's website or app, even outside business hours.
If you need to speak to someone and the branch is closed, call the customer service number on the back of your debit card. Many banks offer phone support on weekends and evenings, though wait times may be longer than during regular business hours.
Weekend and evening hours vary by branch
Not all branches keep the same hours. Some locations open on Saturday mornings, while others are closed weekends entirely. A few branches in busy areas may stay open until 7 or 8 p.m. on weekdays, but many close by 5 or 6 p.m. The only way to know your specific branch's schedule is to check online or call.
If you work traditional hours and cannot visit during the week, look for a branch near your workplace or home that offers extended hours. Some banks also operate "express" locations in grocery stores or pharmacies with shorter hours but basic services like deposits and withdrawals.
Using your bank's app or website when branches are closed
Your bank's mobile app and website work around the clock, even when branches are closed. You can check your balance, transfer money between accounts, pay bills, deposit checks by photo, and review transactions at any time. Most banks also let you set up automatic payments so you do not have to log in manually.
If you need to dispute a transaction or report fraud, you can usually start the process through your app or website, then follow up with customer service during business hours. For urgent fraud concerns, call the number on the back of your card — many banks have 24/7 fraud lines.
Frequently Asked Questions
Are banks open on Saturdays?
Some branches are open on Saturday mornings, usually from 9 a.m. to 1 p.m., but many are closed all weekend. Check your specific branch's hours online or call ahead. ATMs and online banking work on Saturdays regardless of branch hours.
What time do banks usually close on weekdays?
Most branches close between 5 and 6 p.m. on weekdays, though some stay open until 7 or 8 p.m. Hours vary by location and bank. Your branch's website or a quick phone call will confirm the exact closing time.
Can I deposit a check if the bank is closed?
Yes. You can photograph the check with your mobile app and deposit it without visiting a branch. The funds typically appear in your account within one to two business days. ATMs at some banks also accept check deposits.
Do online banks have physical locations I can visit?
No. Online-only banks like Ally and Marcus operate entirely through apps and websites. They do not have branches. If you need in-person banking, you will need a traditional bank with physical locations.
What if I need cash and my bank is closed?
Use an ATM, which operates 24/7. If you use your own bank's ATM, there is no fee. If you use another bank's ATM, expect a fee of $2 to $3 unless your bank has a shared network agreement.