Most banks are closed on weekends and federal holidays, but many have Saturday hours and nearly all have ATMs and mobile apps that work 24/7
Whether a bank is open today depends on the day of the week, whether it is a federal holiday, and which bank you use. Large national banks like Bank of America, Chase, and Wells Fargo typically close at 5 or 6 p.m. on weekdays and do not open on Sundays. Many open on Saturday mornings, usually from 9 a.m. to 1 p.m., though hours vary by location. Credit unions often have shorter hours than banks and may close earlier or not open on Saturday at all.
If you need to deposit a check, withdraw cash, or speak to someone in person, you will need to know your specific branch's hours. The fastest way to find out is to call the branch directly, search the bank's website for your location, or use Google Maps to see posted hours. If today is a federal holiday — like Thanksgiving, Christmas, New Year's Day, or Independence Day — assume the branch is closed unless the bank's website says otherwise.
Key Takeaways
- Most bank branches close by 5 or 6 p.m. on weekdays and do not open on Sundays, though Saturday hours vary by location.
- The fastest way to check if your branch is open today is to call the branch directly or search the bank's website for your location.
- Federal holidays close nearly all bank branches, even if they normally open on that day of the week.
- ATMs, mobile apps, and online banking work 24/7 regardless of branch hours, so you can move money or check your balance anytime.
- Credit unions often have shorter hours than national banks and may not open on Saturday.
How to check your bank's hours right now
The most direct method is to call your branch. Look up the number on your bank card, your statement, or the bank's website. A staff member can tell you whether the branch is open today and what time it closes. This takes less than a minute and removes any doubt.
If you prefer to look it up yourself, go to your bank's website and search for "branch locator" or "find a branch." Enter your zip code or city, and the site will show you nearby locations with their hours. Google Maps also displays bank hours — search your bank name and your city, click on the branch, and the hours appear on the right side of the screen. Hours listed online are usually current, but they can be wrong if the bank changed them recently, so a phone call is still the safest bet on a day when you are unsure.
What to do if your branch is closed
If the branch is closed today but you need to move money or check your balance, use your bank's mobile app or website. You can transfer funds between your own accounts, send money to another person, pay bills, and deposit checks by taking a photo of the front and back — all without visiting a branch. These services work around the clock, even on holidays and weekends.
If you need cash, find an ATM. Most banks let you withdraw from any ATM in their network for free, and many participate in shared networks that include ATMs at other banks. Your bank's app or website usually has an ATM locator. If you need to deposit cash or a check and the branch is closed, you can deposit the check through the app (if your bank offers mobile check deposit) or wait until the branch reopens. Cash deposits usually have to go in person.
Federal holidays when banks close
Banks close on all federal holidays observed by the U.S. government. The main ones are New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25).
If today is one of these holidays, your bank branch will be closed even if it normally opens on that day of the week. ATMs and online banking still work. If you are unsure whether today is a federal holiday, search "federal holidays 2024" or check the U.S. Office of Personnel Management website, which lists all observed holidays.
Saturday and Sunday hours at major banks
Most national banks open on Saturday, but hours are shorter than weekdays. Chase, Bank of America, and Wells Fargo typically open at 9 a.m. and close between 1 and 3 p.m. on Saturday. Some branches stay open until 5 p.m., but this is less common. Hours vary by location, so check your specific branch.
Nearly all banks are closed on Sunday. A very small number of branches in major cities may open on Sunday afternoon, but this is rare. If you need banking services on Sunday, your only option is usually an ATM, mobile app, or online banking. Credit unions almost never open on Sunday and often close earlier than banks on Saturday, sometimes as early as noon.
Why bank hours matter for deposits and checks
If you deposit a check or transfer money after the branch closes, the transaction usually does not process until the next business day. A check deposited on Friday evening will not clear until Monday. A check deposited on Saturday will not clear until Monday. This matters if you need the money urgently or if you are trying to avoid an overdraft. Mobile check deposit through the app often processes faster than in-person deposits, though it still takes at least one business day.
Cash deposits must happen during branch hours and are usually available immediately. If you need cash today and the branch is closed, an ATM can help if you have a debit card, but you cannot deposit cash into an ATM at most banks.
Frequently Asked Questions
Can I deposit a check if the bank is closed?
You can deposit a check through your bank's mobile app anytime, even if the branch is closed. Take a photo of the front and back of the check and submit it through the app. The check will not clear until the next business day, but the deposit is recorded immediately. In-person deposits at a closed branch are not possible.
Are ATMs open when the bank is closed?
Yes. ATMs work 24/7 and are not affected by branch hours. You can withdraw cash, check your balance, and transfer money between your accounts at an ATM anytime, even on holidays and Sundays. Some ATMs charge a fee if you use a different bank's machine, so use your bank's ATM when possible.
What time do banks usually close on weekdays?
Most banks close between 5 and 6 p.m. on weekdays, though some close as early as 4 p.m. or as late as 7 p.m. Hours vary by location and bank. Call your branch or check the bank's website to confirm the exact closing time.
Do banks open on New Year's Day or Christmas?
No. Banks are closed on both New Year's Day and Christmas, as well as all other federal holidays. If you need to move money on these days, use your mobile app, website, or ATM. Online and mobile banking work 24/7 regardless of holidays.
Can I speak to someone at the bank if it is closed?
Most banks have a customer service phone line that operates during or after branch hours, though wait times are often long. Check your bank card or website for the customer service number. For urgent issues, some banks offer chat support through their website or app, which may have shorter wait times than phone lines.