Most major banks close on Saturday, but some branches and online services stay available
The vast majority of brick-and-mortar bank branches in the United States do not open on Saturday. Chase, Bank of America, Wells Fargo, Citibank, and most regional banks operate Monday through Friday only, with hours typically ending by 5 or 6 p.m. on weekdays. If you need to visit a physical location on Saturday, you will need to check whether your specific branch is one of the exceptions — and exceptions are rare.
However, "open on Saturday" means different things depending on what you need to do. If you need to deposit a check, transfer money, or pay a bill, you can do those things on Saturday through online banking, mobile apps, or ATMs. If you need to speak to a person or handle something that requires a teller, your options narrow significantly. Some credit unions and smaller banks do maintain Saturday hours, but you will need to call ahead or check their website to confirm.
Key Takeaways
- Most major bank branches (Chase, Bank of America, Wells Fargo, Citibank) are closed on Saturday; Monday through Friday is standard.
- You can deposit checks, transfer money, and pay bills on Saturday using your bank's mobile app, website, or ATM without visiting a branch.
- Some credit unions and regional banks do open on Saturday, but you must call or check their website first — Saturday hours vary widely by location.
- If you need to speak to a banker on Saturday, customer service phone lines are often available, though wait times may be longer than weekday calls.
- ATMs are available 24/7 at most banks, so you can withdraw cash or deposit checks at any hour, including Saturday.
What you can do on Saturday without visiting a branch
Saturday banking through digital channels works the same way it does on any other day. Log into your bank's website or mobile app to transfer money between your own accounts, send money to another person's account at the same bank, or initiate a payment to a bill. These transactions process immediately or within one business day, depending on the type of transfer.
Mobile check deposit — taking a photo of the front and back of a check through your bank's app — is available on Saturday for most major banks. The check is typically held for one to two business days before the funds appear in your account. ATM deposits also work on Saturday; you can insert an envelope containing checks or cash, and the bank processes it during business hours on the next business day.
If you need cash on Saturday, any ATM owned by your bank or part of its network is available around the clock. If your bank is part of a shared network like Allpoint or MoneyPass, you can withdraw from thousands of ATMs nationwide without a fee. Check your bank's website or app to find the nearest ATM.
Which banks and credit unions open on Saturday
Credit unions are more likely than large national banks to maintain Saturday hours, but this varies by location and institution. Some credit unions open 9 a.m. to 1 p.m. on Saturday; others open until 3 p.m. or later. You must contact your specific credit union to learn their Saturday schedule, because hours differ from branch to branch and change seasonally.
Smaller regional banks and community banks sometimes open on Saturday as well. Examples include some branches of PennyMac Bank, Axion Bank, and various local institutions, but Saturday hours are not standard across their networks. A branch in one city may be open Saturday while another branch 20 miles away is closed. The only reliable way to know is to call the branch directly or check their website.
Online-only banks like Ally, Charles Schwab Bank, and Discover Bank do not have physical branches at all, so the question of Saturday hours does not apply. However, you can access your account and conduct transactions on Saturday through their website or app, and customer service is often available by phone or chat.
How to learn about your bank branch is open Saturday
Start by visiting your bank's website and using their branch locator tool. Enter your zip code or city, and the results will show hours for each nearby branch. Most locators display Saturday hours if they exist. If the locator does not show Saturday hours, the branch is closed that day.
If the website is unclear, call the branch directly. The phone number is listed in the branch locator. Ask specifically: "Are you open on Saturday, and if so, what are your hours?" This takes 30 seconds and eliminates guesswork. If you are calling a credit union, ask whether all services are available on Saturday or whether some services (like loan applications or account opening) require a weekday visit.
Some banks display Saturday hours only during certain seasons or for specific branches. If you plan to visit regularly on Saturday, confirm the schedule before making the trip.
What you cannot do on Saturday without a branch visit
Certain transactions require a person: opening a new account, applying for a loan, ordering a cashier's check, reporting a lost or stolen card in person, or resolving a dispute that needs immediate investigation. If your branch is closed on Saturday, you will need to wait until Monday or handle what you can through phone or online channels.
If you have an urgent issue on Saturday — such as a fraudulent transaction or a card that was compromised — call your bank's customer service line. Most major banks staff their phone lines on Saturday, though wait times are often longer than on weekdays. They can place a fraud hold, temporarily block your card, or begin an investigation without you visiting a branch.
ATMs and Saturday banking outside your bank's network
If you need to withdraw cash or deposit a check on Saturday and your bank branch is closed, an ATM is your fastest option. Most ATMs accept deposits and dispense cash 24 hours a day. If you use an ATM outside your bank's network, you will typically pay a fee — usually $2 to $3 per transaction — unless your bank has a fee-waiver agreement with that ATM network.
Check whether your bank participates in a shared branching network. Some credit unions and smaller banks belong to networks like CO-OP or Allpoint, which allow you to conduct basic transactions (withdrawals, deposits, balance inquiries) at any member institution's ATM or branch on Saturday, even if it is not your bank. Your bank's website will tell you whether you have access to shared branching.
Planning ahead for Saturday banking needs
If you know you will need to visit a branch on Saturday, plan your errand for Friday instead. Most banks extend their Friday hours slightly to accommodate people who cannot visit during the week, and you avoid the risk of finding the branch unexpectedly closed.
If Saturday is your only option, handle what you can online or through an ATM, and save the in-person tasks for the following Monday. For time-sensitive issues — a lost card, a fraud report, or a payment that is due — call customer service on Saturday rather than waiting for Monday. The phone line is staffed, and many issues can be resolved without a branch visit.
Frequently Asked Questions
Can I deposit a check on Saturday if my bank is closed?
Yes. Use mobile check deposit through your bank's app by photographing the front and back of the check, or deposit it in an ATM. Both methods work on Saturday; the bank processes the deposit during business hours on Monday (or the next business day if Saturday is not a banking day in your region).
Do all credit unions open on Saturday?
No. Some credit unions open on Saturday; others do not. Hours vary by location and branch. Call your credit union directly or check their website to confirm Saturday hours at your nearest branch.
What if I need to speak to someone on Saturday?
Call your bank's customer service line. Most major banks staff phone support on Saturday, though wait times may be longer than on weekdays. For urgent issues like fraud or a lost card, the phone line can often resolve the problem without a branch visit.
Are online banks open on Saturday?
Online-only banks like Ally and Discover do not have physical branches, so Saturday hours do not apply. You can access your account and conduct transactions on Saturday through their website or app. Customer service is often available by phone or chat on Saturday as well.
Can I use another bank's ATM on Saturday?
Yes. ATMs are available 24/7, including Saturday. If you use an ATM outside your bank's network, you will typically pay a fee of $2 to $3 unless your bank has a fee-waiver agreement with that ATM network.