Most banks open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., but hours vary by location and bank
Bank hours are not uniform across the industry. A Chase branch in downtown Chicago may stay open until 6 p.m. on weekdays, while a branch in a suburb closes at 5 p.m. A credit union in a small town might open at 10 a.m. instead of 9 a.m. The only reliable way to know when your specific branch opens and closes 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 banks—typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m.—and many branches are closed on Sundays entirely. Some banks do not open on Sundays at all; others operate limited Sunday hours at select locations. Holiday closures also affect when you can visit in person.
If you need to deposit money or withdraw cash outside of branch hours, you can use an ATM 24 hours a day, 7 days a week. ATMs do not require the branch to be staffed. However, if you need to speak to a person—to resolve an account issue, dispute a charge, or get a loan—you must visit during business hours or call customer service.
Key Takeaways
- Standard weekday hours at most banks are 9 a.m. to 5 p.m., but individual branches may open as early as 8 a.m. or stay open as late as 7 p.m.
- Saturday hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., and many banks are closed on Sundays.
- ATMs are available 24/7 for deposits and withdrawals, even when the branch is closed.
- To find your branch's exact hours, search the bank's website by location or call the branch directly.
- Banks are closed on federal holidays, and some observe additional holidays depending on the bank's headquarters location.
How to find your bank's hours online
Every major bank has a branch locator tool on its website. Go to the bank's homepage, look for "Find a Branch" or "Locations," and enter your zip code or address. The results will show each nearby branch with its address, phone number, and hours of operation for each day of the week.
If you use a smaller bank or credit union, the same method works—search their website for a branch locator. If the website does not have one, call the main customer service line and ask for the hours of your local branch. Many banks also list hours on Google Maps, which you can search by bank name and location.
Hours listed online are usually current, but construction, staffing changes, or holidays can alter them without warning. If you are planning to visit for something time-sensitive, a quick phone call to the branch before you go is worth the effort.
Weekday hours and what you can do during them
Most banks open between 8 a.m. and 9 a.m. on weekdays and close between 4 p.m. and 6 p.m. During these hours, you can deposit checks or cash, withdraw money, open a new account, apply for a loan, dispute a transaction, or speak to a banker about investment or savings options. Tellers are staffed, and loan officers are available for appointments.
If your bank opens at 9 a.m. and you need to deposit a check before work, you may not make it. Some banks open earlier—as early as 7 a.m. or 8 a.m.—at select locations, particularly in business districts. Check your specific branch's hours before planning your visit.
The last hour before closing is often the busiest time, especially on Fridays. If you want shorter wait times, visit mid-morning or mid-afternoon on a Tuesday, Wednesday, or Thursday.
Saturday and Sunday hours
Saturday hours are limited at most banks. A typical Saturday schedule is 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Some larger banks in urban areas may stay open until 3 p.m. or 4 p.m. on Saturday, but this is less common. You can usually deposit checks and withdraw cash on Saturday, but services like loan applications or account disputes may not be available or may require an appointment.
Most traditional banks are closed on Sundays. Some online banks and credit unions operate limited Sunday hours at certain branches, but you should not assume your bank is open on Sunday. Check the hours before you plan a visit.
If you need to deposit money on a weekend and your branch is closed, use the ATM. Most banks process ATM deposits the next business day, so a Saturday deposit will post on Monday morning.
Federal holidays and bank closures
Banks are closed on all federal holidays, including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday, though this is not a federal holiday.
If a federal holiday falls on a weekday, the bank will be closed that day. If it falls on a weekend, the bank is already closed, so there is no additional impact. However, some banks observe the holiday on the nearest weekday—for example, if Christmas falls on a Saturday, some banks may close on Friday instead.
Check your bank's holiday schedule on its website or call ahead if you need to visit around a holiday. ATMs remain available even on holidays, so you can still withdraw cash or deposit checks.
What to do if you need banking services outside of branch hours
ATMs are available 24/7 for cash withdrawals and check deposits. Most banks process ATM deposits within one business day. If you need to deposit a large amount of cash, use the ATM during the day so the deposit posts the same day rather than waiting until the next business day.
Many banks offer phone banking and online banking services that work around the clock. You can transfer money between accounts, pay bills, check your balance, and view recent transactions at any time. If you need to speak to a person outside of branch hours, call the customer service number on the back of your debit card. Most banks have 24/7 phone support for account issues, fraud reports, and lost card replacement.
If you need to open a new account or apply for a loan outside of branch hours, some banks allow you to start the process online and complete it with a banker during business hours. Others offer video banking appointments, where you can meet with a banker via video call at a time that works for you.
How bank hours affect refund deposits and payments
If you are waiting for a refund to be deposited into your bank account—whether from the IRS, an insurance company, or a business—the timing depends partly on when your bank processes deposits. Refunds sent via direct deposit are usually processed overnight, but the funds may not appear in your account until the next business day after the bank receives them.
If a refund is scheduled to arrive on a Friday evening, it may not post to your account until Monday morning because banks do not process deposits on weekends. Similarly, if a refund arrives on a holiday, it will not post until the next business day. This is why refunds sometimes take longer than expected—not because the sender was slow, but because the deposit landed on a weekend or holiday.
If you are sending a payment to a business or government agency by check, mail it early enough that it arrives during business hours. A check mailed on Friday may not arrive until Monday or Tuesday, and the recipient may not process it until the day after it arrives.
Frequently Asked Questions
Can I deposit a check at my bank on Sunday?
Most banks are closed on Sundays, so you cannot visit a branch. However, you can deposit a check in the ATM 24/7. The deposit will post to your account on Monday morning, the next business day. If Monday is a holiday, the deposit will post on Tuesday.
What time do banks close on Friday?
Most banks close between 4 p.m. and 6 p.m. on Friday, the same as other weekdays. Some branches stay open later on Friday—until 6 p.m. or 7 p.m.—but this varies by location. Check your specific branch's hours online or call ahead.
Do all branches of the same bank have the same hours?
No. Different branches of the same bank can have different hours depending on location, staffing, and local demand. A downtown branch may open earlier and close later than a suburban branch. Always check the hours for your specific branch, not just the bank's general hours.
Can I withdraw money from my bank account at 2 a.m.?
Yes, if you use an ATM. ATMs are available 24/7 and allow you to withdraw cash at any time, day or night. You cannot visit a teller at 2 a.m., but you can use the ATM outside the branch.
What happens if I try to deposit a check after the bank closes?
If you deposit a check in an ATM after the branch closes, the deposit will be processed the next business day. If you try to deposit a check at a teller window after the branch closes, you cannot—the branch will be locked. Use the ATM instead.