Most banks are open Monday through Friday, 9 a.m. to 5 p.m., but hours vary by branch and bank

Your bank's Monday hours depend on which bank you use and which specific branch. The majority of major banks — Chase, Bank of America, Wells Fargo, Citibank — open at 9 a.m. on Monday and close between 4 p.m. and 6 p.m., though some branches stay open until 7 p.m. or later. Credit unions often have different schedules, sometimes opening at 8:30 a.m. or closing earlier. The only way to know your branch's exact Monday hours is to check directly.

Banks are closed on federal holidays, even if the holiday falls on a Monday. If Monday is a federal holiday — Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, or New Year's Day — your branch will be closed. Some banks open on the day after a holiday if the holiday falls on a Friday, but this is not standard.

Key Takeaways

  • Call your branch or check your bank's website to confirm Monday hours, since they vary by location and institution.
  • If Monday is a federal holiday, your branch will be closed; check your bank's holiday schedule before you plan a visit.
  • Most banks offer online banking, mobile apps, and ATMs that work 24/7, so you can handle many transactions without visiting a branch on Monday.
  • If you need to speak to someone on Monday and your branch is closed, call the customer service number on the back of your card or check whether your bank offers phone banking hours.

How to find your branch's Monday hours

The fastest way is to search your bank's name plus "branch hours" or "locations" on Google. Most banks have a branch locator tool on their website where you enter your zip code and see hours for nearby branches. Hours often differ between branches in the same city, so make sure you are looking at the right location.

If you cannot find the hours online, call the branch directly. The phone number is usually on your bank statement, your debit card, or your bank's website. Ask specifically about Monday hours and whether the branch is open on the upcoming Monday you plan to visit.

What to do if your branch is closed on Monday

If your branch is closed or you cannot visit during business hours, you have several options that work around the clock. Most banks let you deposit checks, transfer money, pay bills, and check your balance through their mobile app or website. You can also use any ATM owned by your bank to withdraw cash, check your balance, and sometimes deposit checks (if your bank's ATMs have that feature).

If you need to speak to a person, call your bank's customer service line. The number is on the back of your debit card. Many banks offer phone banking during extended hours, including evenings and weekends. Some banks also offer video chat with a banker through their app or website, which may have different hours than branch visits.

Federal holidays when banks close on Monday

Banks close on these federal holidays, even if you normally visit on Monday:

  • 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)
  • Thanksgiving Day (fourth Thursday in November)
  • Christmas Day (December 25)

If a holiday falls on a Saturday or Sunday, banks may close on the Friday before or the Monday after instead. Check your bank's holiday schedule on their website or call ahead if you are unsure.

When you need cash or a deposit on a closed Monday

If your branch is closed and you need cash, use an ATM. Most banks let you withdraw from any ATM in their network for free. If you need to deposit a check and your bank's ATMs do not have mobile deposit or check-scanning features, you will need to wait until the branch reopens. However, most banks now let you deposit checks through their mobile app by taking a photo of the front and back of the check.

If you need to speak to someone urgently — for example, to report fraud or a missing card — call the customer service number on the back of your card. Banks staff these lines 24/7, even on Mondays when branches are closed.

Frequently Asked Questions

Can I deposit a check at an ATM on Monday if the branch is closed?

It depends on your bank and ATM. Many banks now offer mobile check deposit through their app, which works anytime. Some ATMs have check-scanning features, but not all. The fastest way to know is to check your bank's app or call customer service and ask whether your account has mobile deposit.

What if I need to open a new account on Monday and the branch is closed?

Most banks let you open a checking or savings account online or through their mobile app without visiting a branch. You will need your Social Security number, a government ID, and an initial deposit amount (which varies by bank). If you prefer to open an account in person, you will need to wait until the branch reopens.

Do credit unions have different Monday hours than banks?

Yes, credit union hours vary widely. Some open earlier or stay open later than traditional banks, while others have shorter hours. Check your credit union's website or call your branch to confirm Monday hours, since they are not standardized.

What if Monday is a holiday and I need to access my money?

Use your bank's ATM to withdraw cash or check your balance. If you need to deposit a check, use mobile deposit through your bank's app if available. For urgent issues like fraud, call the customer service number on your card — these lines are staffed 24/7, including holidays.