Most banks close at 5 or 6 p.m. on weekdays, but the exact time depends on your branch and bank
Bank closing times vary by location and institution. Large national banks like Chase, Bank of America, and Wells Fargo typically close between 5 p.m. and 6 p.m. on weekdays, though some branches stay open until 7 p.m. Credit unions often close earlier, sometimes at 4:30 p.m. or 5 p.m. Your specific branch may have different hours than the bank's standard time, especially if it is in a grocery store, mall, or smaller town.
The fastest way to find your branch's exact closing time is to search the bank's name plus "hours" on Google Maps, call the branch directly, or check your bank's website. Most banks list hours for each location separately because they vary. If you are planning to visit in person—to deposit a check, withdraw cash, or speak with someone—check before you go, because arriving five minutes before closing may not give you enough time to complete your transaction.
Key Takeaways
- Weekday closing times are usually 5 p.m. or 6 p.m., but your specific branch may close earlier or stay open later.
- Saturday hours are shorter than weekday hours, and many branches are closed on Sunday entirely.
- Transactions made after closing or on a day the bank is closed will not process until the next business day.
- ATMs and mobile banking work 24/7, so you can deposit checks, transfer money, and check balances outside of branch hours.
- Federal holidays close all banks, and some banks also observe regional holidays that others do not.
Saturday and Sunday hours are shorter or nonexistent
Most banks are open on Saturday, but with reduced hours. A typical Saturday schedule is 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though some larger branches may stay open until 4 p.m. or 5 p.m. Sunday hours are rare; most banks are closed on Sunday entirely, though a small number of branches in major cities or high-traffic areas may open for a few hours in the afternoon.
If you need to handle banking on the weekend, check your branch's specific Saturday and Sunday hours before you plan your trip. Many people assume all branches have the same weekend schedule, but they do not. A branch in a busy downtown area may have longer Saturday hours than a branch in a residential neighborhood.
What happens when you deposit or transfer money after closing time
A deposit made after the bank closes—whether through an ATM, mobile app, or night deposit box—will not post to your account until the next business day. If you deposit a check at 6:15 p.m. on a Friday, the bank will not process it until Monday morning (assuming Monday is not a holiday). The same rule applies to transfers between accounts or to other banks: they initiate after hours but do not complete until the next business day.
This matters if you are counting on the money being available immediately. If you need cash or need to pay a bill that same evening, you will have to use an ATM or a different method. If you are depositing a check and need it to clear quickly, deposit it as early in the business day as possible, because banks process deposits in batches throughout the day.
ATMs and mobile banking work around the clock
You can deposit checks, withdraw cash, transfer money, and check your balance 24 hours a day through your bank's ATM or mobile app. ATM deposits are processed the next business day, just like deposits made after hours at a branch, but you do not have to wait for the bank to open. Mobile deposits—taking a photo of a check through your bank's app—also post the next business day and work at any time.
If you need to speak to a person after hours, many banks offer phone support during extended hours or 24/7, though the person on the phone cannot access your account as quickly as someone at a branch can. Check your bank's website or the back of your debit card for the customer service number and hours.
Federal holidays close all banks; some banks also close on regional holidays
All banks close on federal holidays: 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. Transactions made on a federal holiday will not process until the next business day.
Some banks also observe regional holidays or holidays specific to their home state. For example, a bank headquartered in Texas may close on Texas Independence Day (March 2), or a bank in Hawaii may close on Statehood Day. If you are unsure whether your bank is closed on a specific day, call the branch or check the bank's website, which usually lists all observed holidays.
Plan ahead if you need to handle banking on a holiday or weekend
If you know you will need to deposit money, transfer funds, or withdraw cash on a weekend or holiday, use your ATM or mobile app instead of planning to visit a branch. Both work 24/7 and will process your transaction the next business day. If you need the money to be available on a specific date—for example, to pay a bill that is due on Monday—deposit it on Friday during business hours so it processes over the weekend.
If you are sending money to someone else and they need it by a certain date, remember that transfers initiated after hours or on weekends will not complete until the next business day. If the next business day is a holiday, the transfer will not go through until the day after that. Plan at least one business day ahead when timing matters.
Frequently Asked Questions
Can I still use my bank's ATM after the branch closes?
Yes. ATMs are available 24/7, even when the branch is closed. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any time. Deposits made after hours will post the next business day.
What if I need to speak to someone after the bank closes?
Call the customer service number on the back of your debit card or on your bank's website. Many banks offer phone support during extended evening hours or 24/7, though they may not be able to resolve every issue without access to a branch.
Do all branches of the same bank have the same closing time?
No. Each branch sets its own hours based on location and staffing. A downtown branch may close at 6 p.m. while a suburban branch closes at 5 p.m. Always check your specific branch's hours before you visit.
If I deposit a check on Friday evening, when will it be available?
A check deposited after hours on Friday will not post until Monday morning, assuming Monday is not a holiday. If Monday is a holiday, it will post on Tuesday. Deposits made during business hours on Friday may post the same day or by Monday, depending on the bank's processing schedule.
Are banks open on all federal holidays?
No. All banks close on federal holidays like Thanksgiving, Christmas, Independence Day, and New Year's Day. Some banks also close on regional holidays. Check your bank's holiday schedule on its website or by calling your branch.