Banks and post offices follow different schedules, and both close on federal holidays

Most banks are open Monday through Friday from 9 a.m. to 5 p.m., with some branches opening on Saturday mornings and closing by noon or 1 p.m. Post offices typically run Monday through Friday from 9 a.m. to 5 p.m. and Saturday mornings from 9 a.m. to 1 p.m., though hours vary by location. Both are closed on Sundays and federal holidays — including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.

The fastest way to know if your specific branch is open today is to search for it by name and address on Google Maps, your bank's website, or USPS.com. These sources show real-time status, holiday closures, and any temporary changes. Calling ahead takes two minutes and removes doubt, especially if you need a specific service like a cashier's check or passport application.

Key Takeaways

  • Google Maps and your bank's official website show whether your branch is open right now, including holiday closures and temporary hour changes.
  • Most banks close at 5 p.m. on weekdays and do not open on Sunday; post offices close at 1 p.m. on Saturday and are closed Sunday.
  • Both banks and post offices close on all federal holidays, which include Christmas, Thanksgiving, Independence Day, and Memorial Day.
  • Calling your branch directly is the safest option if you need a service that requires a teller or postal clerk, since some locations have reduced staffing.

How to find your bank's hours right now

Open Google Maps and search for your bank by name and branch location. The map result shows hours, whether it is open now, and a phone number. If the branch shows "Closed" in red text, it is not operating at this moment. If it shows "Open" in green, you can walk in or use the drive-through.

Alternatively, go to your bank's website and use their branch locator tool. Most major banks — Chase, Bank of America, Wells Fargo, Citibank — have a search box where you enter your zip code or address and see all nearby branches with their hours. Some banks also list holiday schedules on a separate page, so if today is a federal holiday, you can confirm the closure there.

If you need a specific service like a cashier's check, wire transfer, or account change that requires a teller, call the branch before you go. Some locations have reduced staffing on certain days or may require an appointment for certain transactions.

How to find your post office's hours right now

Go to USPS.com and click "Find Locations" at the top of the page. Enter your address or zip code and select your post office from the results. The listing shows hours for today and the rest of the week, holiday closures, and services available at that location.

Google Maps also works for post offices. Search "USPS near me" or the name of your post office and the town, and the map will show whether it is open now. The hours listed are usually current, though USPS sometimes changes hours without updating Google immediately, so calling is safer if you are making a special trip.

Post office hours are more likely to vary by location than bank hours. A small rural post office may close for lunch or run shorter hours than a downtown location. If you need a service like passport photos, certified mail, or a money order, confirm the post office offers it before you go — not all locations have all services.

Federal holidays when banks and post offices close

Both banks and post offices close on these federal holidays every year: 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).

When a federal holiday falls on a weekend, the observed holiday is usually the following Monday. For example, if Christmas falls on a Saturday, banks and post offices close on Monday instead. Check your bank's or USPS's holiday schedule to confirm the exact date, since some institutions observe holidays differently.

What to do if your branch is closed today

If your bank is closed, you can use an ATM to withdraw cash, check your balance, or deposit a check (if your bank's ATM accepts mobile deposits). You can also use your bank's mobile app to transfer money, pay bills, or send money to another person. For services that require a teller — like opening a new account, getting a cashier's check, or disputing a transaction — you will need to return when the branch is open.

If your post office is closed, you can use a package drop box if your location has one — these are available 24/7 for outgoing mail and packages. You can also schedule a pickup for a package through USPS.com or use a UPS or FedEx location as an alternative for shipping. For services like passport applications or certified mail that only the post office handles, you will need to wait until it reopens.

Extended hours and Sunday banking options

Some bank branches in urban areas or shopping centers stay open until 6 or 7 p.m. on weekdays and open on Saturday or even Sunday. Chase, Bank of America, and other large banks sometimes have Sunday hours at select locations, usually from 10 a.m. to 3 p.m. Check your bank's website or call ahead to see if your branch is one of them.

Post offices do not open on Sunday at any location. If you need to mail something on Sunday, use a USPS collection box (mail will be picked up the next business day) or use UPS or FedEx, which have some Sunday hours at certain locations.

Frequently Asked Questions

Is my bank open on Christmas or Thanksgiving?

No. All banks close on Christmas (December 25) and Thanksgiving (fourth Thursday in November). If either holiday falls on a weekend, the observed closure is usually the following Monday. Check your bank's website to confirm the exact dates for your location.

Can I deposit a check at an ATM if the bank is closed?

Yes, if your bank's ATM accepts mobile or remote deposits. Most major banks allow you to deposit checks through their ATM or mobile app 24/7. The funds may not be available until the next business day, but the deposit is recorded immediately.

What if I need to mail something and the post office is closed?

Use a blue USPS collection box to drop off mail — it will be picked up the next business day. For packages or time-sensitive mail, use UPS or FedEx, which have more flexible hours and some Sunday availability at certain locations.

Do all bank branches have the same hours?

No. Hours vary by location, especially for branches in rural areas, small towns, or inside grocery stores. Always check your specific branch on Google Maps or your bank's website rather than assuming all locations have the same hours.

Can I do banking on my phone if the branch is closed?

Yes. You can transfer money, pay bills, check balances, deposit checks, and send money to other people through your bank's mobile app or website 24/7. Services that require a teller — like opening an account or getting a cashier's check — must wait until the branch reopens.