Check your bank's website or call the branch directly
The fastest way to know if your bank is open today is to visit its website and look for "Hours" or "Branch Locator." Most banks list today's hours on the homepage or let you search by location. If you have the bank's phone number, call the branch — an automated message will tell you whether it's open and when it closes.
If you're looking at a specific branch, Google Maps also shows real-time hours. Search your bank's name and location, and the hours appear on the right side of the screen, with a label like "Open now" or "Closed." This works for most major banks and credit unions.
Key Takeaways
- Your bank's website or Google Maps will show today's hours in seconds — faster than calling.
- Most banks close at 5 or 6 p.m. on weekdays and are closed on Sundays and federal holidays.
- If you need to deposit a check or withdraw cash after hours, ATMs and mobile deposit are available 24/7.
- Federal holidays like Thanksgiving, Christmas, and New Year's Day close all banks nationwide, though some credit unions may have different schedules.
- Saturday hours vary widely — some branches open 9 a.m. to 1 p.m., others stay closed, so check before you go.
Standard bank hours and what changes them
Most banks open at 9 a.m. on weekdays and close between 5 and 6 p.m., though some branches stay open until 7 p.m. or later. Saturday hours are shorter and inconsistent — many branches open 9 a.m. to 1 p.m., but some don't open on Saturday at all. All banks are closed on Sundays.
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, no teller services are available, though ATMs and online banking continue to work.
Individual branches sometimes have different hours than the main bank's standard schedule. A downtown branch might stay open later than a suburban one, or a smaller branch might close for lunch. This is why checking your specific location matters rather than assuming all branches operate the same way.
What you can do if the bank is closed
If your bank is closed but you need to move money or deposit a check, you have options that work around the clock. ATMs let you withdraw cash, transfer money between accounts, and check your balance at any time. Mobile deposit — available through your bank's app — lets you photograph a check and deposit it without visiting a branch.
Online banking lets you pay bills, send money to other people, and manage your accounts from your phone or computer, even at 2 a.m. If you need to speak to someone, many banks offer phone support during extended hours, sometimes 24/7. Credit unions often have shorter hours than big banks but may offer after-hours phone support or shared branch networks that let you use another credit union's location.
Planning ahead for holidays and weekends
If you know you'll need to visit a branch — to get a cashier's check, sign loan documents, or handle something that requires a teller — plan for a weekday morning or early afternoon. Branches are busiest on Fridays and the day before a holiday, so you'll wait longer then.
Before a long holiday weekend, deposit checks and withdraw cash early. If you wait until Friday afternoon before a three-day weekend, you might find the branch closed or the line too long. For time-sensitive transactions like wire transfers, call ahead to confirm the branch is open and ask what time you need to arrive to complete the transaction that day.
Credit unions and smaller banks may have different hours
Credit unions often close earlier than big banks — some close at 4 p.m. on weekdays — and many don't open on Saturday. However, credit unions that belong to shared branching networks let you use another credit union's location to deposit checks or withdraw cash, which can extend your options.
Online banks and credit unions with no physical branches don't have hours at all — you handle everything through their app or website. If you need in-person service, you won't find it, but you also don't have to worry about whether they're open.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open Saturday mornings, usually 9 a.m. to 1 p.m., but many are closed all day Saturday. Check your specific branch's hours on the bank's website or call ahead. All banks are closed on Sunday.
What happens if I need to deposit a check after hours?
Use mobile deposit through your bank's app — photograph the front and back of the check and submit it. The check usually posts to your account within one business day. If your bank doesn't offer mobile deposit, you can deposit at an ATM if it has a check slot, or wait until the branch opens.
Are banks closed on federal holidays?
Yes, all banks close on the 11 federal holidays recognized by the U.S. government, including Thanksgiving, Christmas, and New Year's Day. ATMs and online banking remain available. Some credit unions may have different holiday schedules, so check with yours.
Can I withdraw money if the bank is closed?
Yes, use an ATM to withdraw cash, check your balance, and transfer money between accounts. ATMs work 24/7. If you need a large amount of cash or a service an ATM can't provide, you'll need to wait until the branch opens.
What time do most banks close?
Most banks close between 5 and 6 p.m. on weekdays, though some stay open until 7 p.m. or later. Call your branch or check its website for the exact closing time, since it varies by location and bank.