Check your bank's website or call before you go
The fastest way to know if your bank is open is to visit their website or call the main number on your debit card. Most banks post holiday hours and branch closures on their homepage, and a quick phone call to your local branch takes less than a minute. If you call the main line, you'll usually hear a recorded message that tells you whether branches are open today and what time they close.
Many banks also let you check branch hours through their mobile app. Open the app, search for your branch by location, and you'll see today's hours and whether it's currently open. This works even if the website is slow or you're on the go.
Key Takeaways
- Call your bank's main number or visit their website to confirm hours before making a trip to the branch.
- Banks close on federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day, though hours vary by location.
- Most bank branches close between 4 and 6 p.m. on weekdays and are closed on Sundays, but some branches have extended hours or Saturday service.
- If you need to deposit money or withdraw cash on a day the branch is closed, use an ATM or mobile deposit through your bank's app.
Federal holidays when banks are typically closed
Banks close on federal holidays, which means you won't be able to visit a branch or speak to a teller on those days. The main holidays when banks shut down 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 may also close on Good Friday.
Even though the branch is closed, ATMs stay open 24/7, so you can still withdraw cash or check your balance. If you need to make a deposit, most banks let you use mobile deposit through their app, which means you photograph your check and submit it without visiting the branch.
Regular weekday and weekend hours
Most bank branches open between 8 and 10 a.m. on weekdays and close between 4 and 6 p.m., though this varies by location and bank. Some branches in busy areas or shopping centers stay open until 7 or 8 p.m. on weekdays. A few banks offer extended hours on certain days, so it's worth checking your specific branch rather than assuming standard times.
Nearly all banks are closed on Sundays. Saturday hours vary widely—some branches open at 9 a.m. and close by 1 or 2 p.m., while others don't open on Saturday at all. If you need to do banking on the weekend, an ATM is your only option at most branches.
What to do if the branch is closed
If you arrive at your bank and it's closed, you have several options depending on what you need. For cash withdrawals or balance checks, use the ATM outside the branch—it works around the clock. For check deposits, use mobile deposit through your bank's app: photograph the front and back of the check, enter the amount, and submit it. The check usually posts to your account within one business day.
If you need to speak to someone, call the bank's customer service line. Most banks have phone support during business hours, and some offer 24/7 support for urgent issues like fraud or a lost card. You can also visit a different branch location if one is nearby and open.
Planning ahead for time-sensitive transactions
If you need to make a large deposit, transfer money, or handle something that requires a teller, plan to visit during business hours on a weekday. Weekday mornings are usually less crowded than afternoons. If you're near a holiday, check your bank's schedule at least a day in advance so you're not caught off guard.
For recurring payments like bills or loan payments, set them up through your bank's online bill pay or through the biller's website. This way, payments go through automatically even if you can't visit the branch. If you're expecting a check or transfer, remember that deposits made after business hours or on weekends won't post until the next business day.
Frequently Asked Questions
Are banks open on Saturday?
Some banks are open on Saturday, but hours are usually shorter than weekdays—often 9 a.m. to 1 p.m. Many banks are closed on Saturday entirely. Check your specific branch's hours on the bank's website or app, since it varies by location.
Can I use an ATM if the bank is closed?
Yes. ATMs work 24/7, even when the branch is closed. You can withdraw cash, deposit cash or checks (if your bank's ATM accepts deposits), and check your balance at any time of day or night.
What happens if I deposit a check after the branch closes?
If you deposit a check at an ATM after business hours, it usually posts the next business day. If you use mobile deposit through your app, the timing is the same. Deposits made on weekends or holidays post on the next business day.
Do banks close early on certain days?
Some banks close early on certain days, particularly the day before a holiday or on Fridays at some locations. Check your branch's hours on their website or app, which should show the exact closing time for each day of the week.
What if I need to speak to someone and the branch is closed?
Call your bank's customer service number, which is usually on your debit card or the bank's website. Most banks offer phone support during business hours, and many have 24/7 support for urgent issues like fraud or a lost card.