Citizens Bank branch hours vary by location, but most open at 9 a.m. and close between 4 p.m. and 6 p.m. on weekdays

Citizens Bank does not have a single closing time across all branches. Each location sets its own hours based on local demand and staffing. Most branches open at 9 a.m. on Monday through Friday and close at either 4 p.m., 5 p.m., or 6 p.m.—you need to check your specific branch to know for certain.

Saturday hours are shorter: most branches open at 9 a.m. or 10 a.m. and close by 1 p.m. or 2 p.m. Many Citizens Bank branches are closed on Sundays, though some locations in high-traffic areas may have limited Sunday hours. The fastest way to find your branch's exact hours is to visit the Citizens Bank website, use their branch locator tool, or call the branch directly.

Key Takeaways

  • Most Citizens Bank branches close between 4 p.m. and 6 p.m. on weekdays, but hours vary by location.
  • Saturday hours are typically 9 a.m. to 1 p.m. or 2 p.m., and most branches are closed Sundays.
  • You can find your branch's exact hours through the Citizens Bank website branch locator or by calling ahead.
  • ATMs and online banking are available 24/7, so you can deposit checks, transfer money, and check balances outside branch hours.

How to find your specific branch's closing time

The Citizens Bank website has a branch locator tool that shows hours for each location. Go to the main Citizens Bank site, select "Locations" or "Find a Branch," enter your zip code or city, and the results will display the full weekly schedule for branches near you. This is the most reliable method because it pulls directly from the bank's system.

If you do not have internet access or prefer to speak with someone, call Citizens Bank's main customer service line or the branch directly. The phone number for your branch appears in the locator results. Calling ahead is especially useful if you need to do something specific—like speak with a loan officer or access a safe deposit box—because some services may have different hours than the branch itself.

Banking outside of branch hours

You do not have to wait for the branch to open to handle most banking tasks. Citizens Bank ATMs are available 24/7 for deposits, withdrawals, and balance inquiries. If you have a Citizens Bank debit card, you can use any Citizens Bank ATM without fees.

Online banking through the Citizens Bank website or mobile app lets you transfer money between accounts, pay bills, deposit checks by phone camera, and review transactions at any time. Mobile check deposit is particularly useful: photograph the front and back of a check, submit it through the app, and the funds typically post within one business day. For urgent transfers to other banks, you can set up an external transfer online, though it may take one to three business days depending on the receiving bank.

What you cannot do outside branch hours

Some transactions require a teller or banker and cannot be completed through ATMs or online. These include opening a new account, applying for a loan or credit card, accessing a safe deposit box, ordering cashier's checks, or resolving disputes about transactions. If you need to do any of these, you must visit during branch hours or schedule an appointment.

Citizens Bank sometimes offers appointment-based services outside normal hours. Call your branch to ask whether they can schedule you for early morning, evening, or Saturday service if your schedule does not fit standard hours.

Holiday hours and closures

Citizens Bank branches close on federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on additional holidays depending on the state or region. ATMs and online banking remain available on holidays, but any transactions you submit may not process until the next business day.

Check the Citizens Bank website or call your branch before a holiday weekend to confirm whether it will be open. If you need cash or need to make a payment before a holiday, plan ahead and visit the branch the day before.

Using other banks' ATMs and services

If you need cash and no Citizens Bank ATM is nearby, you can use ATMs from other banks, though you may pay a fee. Citizens Bank is part of the MoneyPass and Allpoint networks, which means you can use thousands of ATMs nationwide without a surcharge. Check whether the ATM displays the MoneyPass or Allpoint logo before you use it.

For deposits at non-Citizens Bank ATMs, mobile check deposit through the app is usually faster and cheaper than trying to find a compatible ATM. If you need to deposit cash at another bank's ATM, that bank may charge you a fee, and Citizens Bank may charge an additional fee on top of it.

Planning ahead for time-sensitive transactions

If you need to complete a transaction that requires a teller—like depositing a large check, getting a cashier's check, or resolving a payment issue—do not wait until the end of the business day. Call your branch in the morning to confirm they have the right person available and ask how long the task typically takes. This prevents you from arriving at 3:50 p.m. only to find out the branch closes at 4 p.m. and the task takes 20 minutes.

For payments that are due on a specific date, use online bill pay or schedule a transfer at least one business day before the deadline. If you mail a check or use a slow payment method, the payment may not arrive in time, and you could face late fees or damage to your credit.

Frequently Asked Questions

Can I deposit a check at a Citizens Bank ATM after the branch closes?

Yes. Citizens Bank ATMs accept check deposits 24/7. The check will be processed and the funds will typically post to your account within one business day. You do not need to visit a teller to deposit a check.

What if I need to speak to someone after hours?

Citizens Bank offers phone support during extended hours. Call the number on the back of your debit card or the main customer service line to reach someone. For complex issues, you may need to schedule a callback or visit the branch during business hours.

Do all Citizens Bank branches have the same hours?

No. Each branch sets its own hours based on location and demand. Some branches in busy areas may stay open until 6 p.m., while others close at 4 p.m. Use the branch locator tool to find the exact hours for your location.

Can I open an account online instead of visiting the branch?

Citizens Bank may allow you to open certain accounts online, depending on the account type and your state. Check the website or call customer service to learn which accounts can be opened remotely and which require a branch visit.

What happens if I try to use online banking right when the branch closes?

Online banking is always available. Transactions you submit after hours will be processed according to the bank's schedule—usually the next business day for transfers to other banks, and immediately for transfers between your own Citizens Bank accounts.