Most banks close at 5 or 6 p.m. on weekdays, but the exact time depends on your bank and branch
Your bank's closing time is not the same everywhere. Large national banks like Chase, Bank of America, and Wells Fargo typically close between 5 and 6 p.m. on Monday through Friday, but some branches stay open until 7 p.m. or later. Credit unions often close earlier—sometimes at 4 or 5 p.m. Online banks have no physical branches, so there is no closing time for in-person visits. The only way to know your branch's exact hours is to call, check the bank's website, or look at the hours posted on the branch door.
Saturday hours vary widely. Many branches open on Saturday morning and close by 1 or 2 p.m., while others stay open until 4 or 5 p.m. Some branches do not open on Saturday at all. Sunday hours are rare—most traditional banks do not open on Sunday, though a few branches in high-traffic areas may open for a few hours. If you need to do banking on the weekend, call ahead or check online before you go.
Key Takeaways
- Weekday closing times are usually 5 or 6 p.m., but this varies by bank and branch location.
- Saturday and Sunday hours differ from weekday hours, and many branches do not open on weekends at all.
- Transactions you submit after closing may not process until the next business day, which affects when money leaves your account.
- Banks close on federal holidays, and transactions submitted on holidays do not process until the following business day.
- Online banking and ATMs work 24/7, even when the branch is closed.
What happens to deposits and withdrawals after the bank closes
If you deposit a check or cash after your bank closes, the deposit does not post to your account that day. Most banks have a cutoff time—usually 2 p.m. or later—and deposits made before that time post the same day. Deposits made after the cutoff post the next business day. If you deposit on a Friday after 2 p.m., the money will not show up in your account until Monday (or Tuesday if Monday is a holiday).
ATM deposits work the same way. Even though you can use an ATM at any hour, the bank does not process the deposit until the next business day. If the ATM is at a different bank, the deposit may take even longer—sometimes two to three business days.
Withdrawals from an ATM happen immediately, even after the bank closes. The money comes out of your account right away, though the transaction may not show up in your online banking until the next morning. If you withdraw money after hours and then check your balance on your phone, you might see the old balance for a few hours until the system updates.
How bank holidays affect closing times and transaction processing
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. On these days, branches do not open, and no transactions process. If you submit a payment or deposit on a holiday, it does not post until the next business day.
This matters most for bill payments and loan payments. If your loan payment is due on a Monday that is a federal holiday, the bank is closed. Payments submitted on that Monday do not process until Tuesday. If your payment is already late, submitting it on the holiday does not stop late fees—the bank counts the holiday as a non-business day, so the payment is still late. Call your lender before the holiday to ask whether they will waive the late fee if you pay on the holiday.
Some banks observe holidays that others do not. For example, some banks close on Juneteenth while others do not. Check your bank's holiday schedule on their website or by calling the branch.
Wire transfers and ACH payments after closing time
Wire transfers submitted after your bank closes do not send until the next business day. Most banks have a cutoff time for wire transfers—often 2 or 3 p.m.—and wires submitted before that time go out the same day. Wires submitted after the cutoff wait until the next business day. If you need to send a wire urgently, call your bank to ask what time the cutoff is and whether you can submit it in person before closing.
ACH payments (the system used for direct deposits, bill payments, and peer transfers) also have a cutoff time, usually 5 p.m. or later. ACH payments submitted before the cutoff process that night and show up in the recipient's account the next business day. Payments submitted after the cutoff do not process until the following night, so the recipient gets the money one day later. If you are paying a bill and the due date is tomorrow, submit the payment today before the cutoff, or you will be late.
ATMs and online banking work around the clock
Your bank's branch may close at 6 p.m., but you can still access your money 24/7 through ATMs and online banking. You can check your balance, transfer money between accounts, pay bills, and deposit checks using your phone or computer at any hour. These transactions process according to the same cutoff times as in-person transactions—a bill payment submitted at midnight may not process until the next business day—but you can submit them whenever you need to.
ATM withdrawals happen immediately, even at 3 a.m. on a Sunday. ATM deposits post the next business day, just like deposits made during branch hours. If your bank is part of a network like Allpoint or MoneyPass, you can use ATMs from other banks in the network without paying a fee, even when your own branch is closed.
What to do if you need to bank outside regular hours
If you need to speak to someone at your bank outside branch hours, call the customer service number on the back of your debit card. Most banks have phone support 24/7, though wait times are longer at night and on weekends. You can report fraud, ask about a transaction, or get help with your account over the phone.
If you need to make a deposit urgently and the branch is closed, use an ATM if your bank has one. If you need cash and the ATM is out of money or broken, you can use an ATM from another bank (you may pay a fee), or wait until the branch opens. If you need to wire money urgently and it is after the cutoff time, call your bank and ask whether they can process it as an exception—some banks will do this for a fee.
If you bank online only, you do not have to worry about branch hours. You can deposit checks by taking a photo with your phone, transfer money instantly to other accounts, and pay bills at any time. The transactions still process according to cutoff times, but you never have to visit a physical location.
Frequently Asked Questions
Can I deposit a check in the ATM after the bank closes?
Yes. ATM deposits work 24/7, even when the branch is closed. The deposit posts to your account the next business day, the same as if you deposited during branch hours. If the ATM is at a different bank, the deposit may take longer to process.
What time do I need to submit a wire transfer so it goes out today?
Most banks have a wire cutoff between 2 and 3 p.m. on business days. Call your bank or check their website to find out your specific cutoff time. Wires submitted after the cutoff do not go out until the next business day.
If my bank is closed on a holiday, does a payment submitted that day count as on time?
No. Payments submitted on a holiday do not process until the next business day, so they are considered late if the due date was the holiday. Contact your lender before the holiday to ask if they will waive the late fee.
Can I use my debit card to withdraw money after the bank closes?
Yes, if you use an ATM. The money comes out immediately, and the transaction posts to your account right away. You cannot withdraw cash over the counter at the branch after it closes.
Do online banks have closing times?
No. Online banks have no physical branches, so there is no closing time for in-person visits. You can access your account and submit transactions 24/7. Transactions still process according to cutoff times, but you can submit them whenever you want.