Most banks close at 5 or 6 p.m. on weekdays, but hours vary by branch and bank
Bank closing time is not the same everywhere. A Chase branch in one neighborhood might close at 5 p.m. while another closes at 6 p.m. Credit unions often close earlier than large banks—sometimes at 4:30 p.m. Regional banks and community banks set their own hours. The only way to know your specific branch's closing time is to check directly with that branch or look it up on the bank's website.
Saturday hours are shorter than weekday hours at most branches. Many banks open at 9 a.m. on Saturday and close between 1 and 3 p.m. Some branches do not open on Saturday at all. Sunday hours are rare; most traditional bank branches do not operate on Sunday, though some credit unions do.
After the branch closes, you cannot walk in to deposit cash, withdraw money, or speak to a teller. However, ATMs stay available 24/7 at most banks, and you can still deposit checks and withdraw cash through the ATM even after the branch closes.
Key Takeaways
- Weekday closing time is typically 5 or 6 p.m., but your specific branch may differ—call or check the bank's website to confirm.
- Saturday hours are usually 9 a.m. to 1 or 3 p.m., and many branches close entirely on Saturday.
- ATMs work 24/7, so you can deposit checks and withdraw cash outside branch hours.
- If you need to speak to a person after hours, most banks offer phone support during business hours and some offer chat or email.
- Wire transfers, loan applications, and other services that require a teller are only available during branch hours.
Why closing time matters for your transactions
Closing time affects when your deposit will be processed. If you deposit a check at the teller window before closing time, the bank typically processes it the same business day. If you deposit after closing time—even at 5:01 p.m. if the branch closes at 5 p.m.—the bank treats it as received the next business day. This matters because checks take one to three business days to clear after they are deposited, and the clock starts from the day the bank receives them.
Cash deposits made at the teller window before closing are usually available immediately. Deposits made at the ATM after hours are typically available the next business day. Some banks hold cash deposits for 24 hours even if made before closing, so check your bank's policy.
If you need to withdraw a large amount of cash or perform a transaction that requires a teller, you must do it during branch hours. ATMs have daily withdrawal limits—often $500 to $1,000—so you cannot always get the cash you need from an ATM alone.
How to find your bank's closing time
The fastest way is to search "[Your Bank Name] near me" on Google Maps or the bank's website. The map result shows hours for each branch. You can also call your branch directly—the phone number is on your debit card, your bank statements, or the bank's website.
If you use online banking, log in and look for a "Find a Branch" or "Locations" link. Most banks list hours there. Some banks also show hours in their mobile app. If you are unsure whether a branch is open on a specific day, call ahead rather than making a trip.
Holiday hours are different from regular hours. Banks close on federal holidays like Thanksgiving, Christmas, and New Year's Day. Some banks also close on Presidents' Day or other holidays. Check your bank's website or call the branch to confirm holiday hours.
What you can do outside branch hours
ATMs let you withdraw cash, deposit checks, and transfer money between your own accounts 24/7. Mobile banking apps let you pay bills, transfer money, check your balance, and deposit checks by taking a photo of the front and back. You can also set up automatic payments and recurring transfers through online banking without visiting a branch.
Many banks offer phone support during extended hours—sometimes until 8 or 9 p.m. on weekdays and a few hours on Saturday. Chat support and email are available on some banks' websites, though response times vary. If you have an urgent issue after hours, call the customer service number on the back of your debit card.
Wire transfers, cashier's checks, and notarized documents require a teller and can only be done during branch hours. If you need one of these services, plan ahead and visit during business hours or ask whether your bank can process it by phone or mail.
Deposits made after closing time
A deposit made after the branch closes is treated as received on the next business day. This means if you deposit a check at 6:15 p.m. on a Friday when the branch closes at 6 p.m., the bank counts it as a Friday deposit for processing purposes. However, if you deposit at 6:15 p.m. on a Friday and the branch closes at 6 p.m., the bank may count it as a Monday deposit because the deposit was made after hours.
The exact timing depends on your bank's cutoff policy. Some banks have a cutoff time—say, 5 p.m.—and anything deposited after that is treated as the next day's deposit, even if the branch is technically open until 6 p.m. Check your bank's deposit cutoff policy in your account agreement or by calling customer service.
ATM deposits are almost always treated as received the next business day, regardless of when you make them. If you need a deposit to post today, use the teller window before the branch closes.
Extended hours and weekend banking options
Some banks offer extended weekday hours at certain branches. A few large banks open as early as 7 a.m. and stay open until 7 or 8 p.m. on weekdays. These branches are usually in busy downtown areas or shopping centers. Check your bank's website to see whether any branches near you have extended hours.
Credit unions sometimes have different hours than banks. Some credit unions close earlier on weekdays but open on Saturday or Sunday. If you belong to a credit union network, you may be able to use ATMs and services at other credit unions even if your home branch is closed.
Online banks do not have physical branches, so there is no closing time for deposits or transfers made through their apps or websites. However, if you need to deposit cash, you will have to use a partner bank's ATM or mail a check, which takes longer.
What happens if you need cash after the bank closes
Use an ATM. Most banks' ATMs are available 24/7, and you can withdraw up to your daily limit. If your bank's ATM is not nearby, look for an ATM in the bank's network or a shared ATM network. Some ATMs charge a fee if you use a different bank's machine—usually $2 to $3—but your bank may reimburse out-of-network fees depending on your account type.
If you need more cash than your daily ATM limit allows, you have to wait until the branch opens. Plan ahead if you know you will need a large withdrawal. Some banks let you request a cash advance through their app or by calling customer service, though this may incur a fee or require a credit line.
If you need a cashier's check or other service that requires a teller, you cannot get it from an ATM. You will have to visit during branch hours or ask whether the bank can mail it to you.
Frequently Asked Questions
Can I deposit a check after the bank closes?
Yes, you can deposit a check at an ATM 24/7. The bank will process it the next business day. If you deposit at the teller window before closing, it may process the same day. Check your bank's cutoff time—some banks stop accepting teller deposits before the branch officially closes.
What if I need to withdraw cash and the bank is closed?
Use an ATM. Most banks' ATMs work around the clock. Your daily withdrawal limit is usually $500 to $1,000, depending on your account and bank. If you need more, you will have to wait until the branch opens or call customer service to request a higher limit.
Do banks close earlier on Fridays?
No, most banks keep the same closing time on Friday as they do on other weekdays—usually 5 or 6 p.m. However, some branches may close earlier on Friday, so check your specific branch. Saturday hours are shorter, and most branches close by 3 p.m. or do not open at all.
Can I wire money after the bank closes?
Wire transfers initiated through online banking or mobile apps may be processed after hours, but they will not actually send until the next business day when the bank opens. If you need a wire to go out the same day, you must initiate it before the branch closes. Call your bank to confirm the cutoff time for same-day wire transfers.
What if my bank is closed on a holiday?
Banks close on federal holidays like Thanksgiving, Christmas, and New Year's Day. You can still use ATMs and online banking. Any deposits made on a holiday are treated as received the next business day. If you need a teller service on a holiday, you will have to wait until the next business day.