Most banks follow the same schedule, but tomorrow's hours depend on the day of the week and whether it's a federal holiday
Banks in the United States are closed on Sundays and federal holidays. Monday through Friday, most banks open at 9 a.m. and close between 4 p.m. and 6 p.m., though some branches stay open later. 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 on Saturday at all.
The fastest way to know if your specific branch is open tomorrow is to search your bank's name plus "hours" in Google, call the branch directly, or check your bank's mobile app. Most apps show branch hours and let you filter by location. If you're planning to visit an ATM or use mobile banking, those work 24/7 regardless of branch hours.
Key Takeaways
- Banks are always closed on Sundays and federal holidays, regardless of the bank or branch.
- Weekday hours are typically 9 a.m. to 4 p.m. or 5 p.m., but individual branches vary.
- Your bank's mobile app or website shows the exact hours for your nearest branch.
- ATMs and mobile banking work around the clock, even when the branch is closed.
- If tomorrow is a federal holiday, call ahead or check online before making a trip.
Federal holidays when all banks close
Banks close on the same federal holidays every year. These 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. Some banks also close on the day after Thanksgiving.
If tomorrow is one of these dates, your bank will be closed no matter what time you planned to go. Check your calendar or search "federal holidays 2024" or "federal holidays 2025" to confirm. If you need cash or need to make a deposit on a holiday, use an ATM or mobile deposit (most banks let you photograph a check and deposit it through the app).
How to check your specific branch's hours right now
Open your bank's website or mobile app and search for "branch locator" or "hours." Enter your zip code or city, and the results will show every branch near you with its exact hours. Most apps let you filter by services — some branches don't have a teller, for example, or only handle certain transactions.
If you don't have the app, call your branch directly. The number is usually on your debit card, on your bank statements, or in a Google search for "[Bank Name] [Your City]." A staff member can tell you tomorrow's hours in seconds and answer questions about whether you need an appointment.
What to do if you need banking services and the branch is closed
ATMs work 24 hours a day, seven days a week. You can withdraw cash, deposit checks (if your bank offers mobile deposit through the app), transfer money between accounts, and check your balance. Some ATMs charge a fee if you're not a customer of that bank, so use your bank's ATM when possible.
Mobile banking through your bank's app lets you pay bills, transfer money, deposit checks by photograph, and send money to other people. These services work anytime, including nights, weekends, and holidays. If you need to speak to someone, most banks offer phone support during extended hours — check your app or website for the customer service number and hours.
Saturday and Sunday hours vary by bank and branch
Some banks open on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 5 p.m. Others don't open on Saturday at all. A few large banks and credit unions open on Sunday afternoons, but this is rare. The only way to know is to check your specific branch.
If you're planning a Saturday or Sunday banking trip, look up your branch hours the day before. Don't assume your branch is open just because you've seen other branches open on weekends — policies differ by location and can change.
Banks that might have different hours
Credit unions sometimes keep different hours than traditional banks. Some open earlier or stay open later on weekdays. Some credit unions share branching networks, meaning you can visit another credit union's branch and use their services even if it's not your bank. Check your credit union's website or app for branch hours and shared branching locations.
Online banks (banks with no physical branches) don't have hours — they operate 24/7 through their website and app. If you bank online and need cash, you can withdraw from any ATM in their network, which usually includes thousands of locations nationwide.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 9 a.m. to 5 p.m., but many are not. Check your specific branch's hours online or call ahead. Sunday hours are rare and vary by bank.
What if I need to deposit a check and the bank is closed?
Use mobile deposit through your bank's app — photograph the front and back of the check and submit it. Most banks process mobile deposits within one business day. You can also deposit at an ATM if your bank offers that service.
Do all banks close on the same holidays?
Yes, all banks close on federal holidays. These include New Year's Day, Independence Day, Thanksgiving, Christmas, and others. Some banks also close on the day after Thanksgiving. Check your bank's website for its complete holiday schedule.
Can I withdraw money if the bank is closed?
Yes, use an ATM. ATMs work 24/7 and let you withdraw cash, deposit checks (at some banks), and transfer money. Use your bank's ATM to avoid out-of-network fees.
How do I know if my bank has an appointment system?
Call your branch or check the website. Some banks require appointments for certain services, especially for opening accounts or meeting with a financial advisor. The branch hours page usually notes whether appointments are needed.