Most banks open at 9 a.m. and close between 4 and 6 p.m. on weekdays, with limited or no hours on weekends
Bank hours vary by location and institution, but the standard weekday window is 9 a.m. to 5 p.m., with many branches staying open until 6 p.m. on Fridays. Most banks close entirely on Saturdays and Sundays, though some larger branches in urban areas or shopping centers may open Saturday mornings. Holiday closures follow the federal banking calendar — your bank will be closed on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
The hours posted on your bank's website or app reflect that specific branch, not all branches of the bank. If you need to visit in person, check your branch's schedule before you go — it may differ from the main office or a branch across town.
Key Takeaways
- Standard bank hours are 9 a.m. to 5 p.m. weekdays, with many branches open until 6 p.m. on Friday.
- Most banks close on weekends and federal holidays, though some branches in retail locations may have Saturday hours.
- ATMs and online banking work 24/7, so you can deposit checks, transfer money, and check balances outside branch hours.
- Mobile check deposit through your bank's app lets you deposit checks from home without visiting a branch.
- If you need cash or a service that requires a teller, plan your visit during posted hours or find a branch with extended weekday hours.
How to find your bank's hours right now
The fastest way is to search "[Your Bank Name] near me" in Google Maps or your bank's official website. Google Maps shows hours, phone numbers, and whether the branch is open today. Your bank's mobile app usually has a branch locator with hours for every location.
If you cannot find the hours online, call the branch directly. The number is on your debit card, your bank statements, or the bank's website. Do not rely on a general customer service number — ask to be transferred to your specific branch to confirm they are open.
What you can do outside of branch hours
ATMs work around the clock, so you can withdraw cash, deposit checks, and transfer money between your own accounts at any time. Most banks let you deposit checks through their mobile app by photographing the front and back — the money usually appears in your account within one business day.
Online banking is available 24/7 through your bank's website or app. You can pay bills, transfer money between accounts, check your balance, and set up automatic payments without visiting a branch. Wire transfers and ACH transfers (which move money between banks) can be started online, though they process during business hours and may take one to three business days to complete.
If you need to speak with someone outside business hours, many banks offer phone support in the evening and on weekends. Check your bank's website for the customer service number and hours.
Services that require a teller and branch hours
Some transactions must happen in person with a teller. These include cashing a check that is not yours, depositing cash, getting a cashier's check, opening a new account, or discussing a loan. If you need one of these services, you must visit during posted hours.
If your branch closes before you can get there, look for another branch location with extended hours, or plan your visit for the next business day. Many banks have branches in grocery stores or shopping centers that stay open later than traditional bank buildings.
Banks closed on weekends and holidays
Nearly all banks close on Saturdays and Sundays. A few branches in major cities or inside retail stores may open Saturday mornings, but this is rare. If you need to handle banking on a weekend, use an ATM, mobile app, or online banking.
Federal holidays when banks close include New Year's Day (January 1), Memorial Day (last Monday in May), Independence Day (July 4), Labor Day (first Monday in September), Thanksgiving (fourth Thursday in November), and Christmas (December 25). Some banks also close on Presidents' Day (third Monday in February). If a holiday falls on a weekend, banks close on the observed date — usually the Friday before or Monday after.
What to do if you need money urgently
If you need cash right now, use an ATM. Most ATMs dispense cash 24/7, and you can withdraw up to your daily limit (usually $500 to $1,000, depending on your bank and account type). Check your bank's app or website to find the nearest ATM.
If you need a service that requires a teller and the branch is closed, you have a few options. Some banks have 24-hour customer service lines that can help with certain transactions over the phone. Credit unions sometimes have shared branching networks, meaning you can visit another credit union's branch to conduct business. Call your bank to ask what services are available outside normal hours.
Planning ahead for time-sensitive transactions
If you need to deposit a check or handle a transaction that requires a teller, do it early in the week if possible. Deposits made after 2 p.m. on Friday may not post until Monday, and weekend deposits do not process until Monday either. This matters if you are counting on the money being available by a certain date.
For wire transfers or ACH transfers, remember that they process during business hours only. A transfer started at 6 p.m. on Friday will not begin processing until Monday morning. If you need money to move by a specific time, initiate the transfer well before the deadline.
Frequently Asked Questions
Are banks open on Saturday?
Most banks are closed on Saturdays. Some branches in shopping centers or urban areas may open Saturday mornings, but this is not standard. Check your specific branch's hours on Google Maps or your bank's website.
What time do banks close on Friday?
Most banks close at 5 p.m. on Friday, though many stay open until 6 p.m. Some branches in retail locations may stay open later. Check your branch's posted hours.
Can I deposit a check after the bank closes?
Yes, if your bank offers mobile check deposit through its app. You photograph the front and back of the check, and it deposits into your account. The funds usually appear within one business day. You can also use an ATM if your bank has check deposit capability.
Do banks close on federal holidays?
Yes, banks close on all federal banking holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some banks also close on Presidents' Day. Check your bank's holiday schedule on its website.
Can I transfer money if the bank is closed?
You can start a transfer through your bank's app or website at any time, but it will not process until the next business day. ATM transfers between your own accounts process immediately. Wire transfers and ACH transfers to other banks only process during business hours.