Most banks are open Monday through Friday, 9 a.m. to 5 p.m., but hours vary by location and holiday
Whether your bank is open right now depends on three things: what day it is, whether a federal holiday is happening, and which specific branch you're trying to reach. Large national banks like Bank of America, Chase, Wells Fargo, and Citibank follow similar schedules, but regional banks and credit unions often have different hours. Some branches open at 8 a.m., others at 10 a.m. Many close at 4 p.m. instead of 5 p.m. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. — and most banks are closed on Sundays.
Federal holidays shut down all banks nationwide. The full list includes 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. If today is one of those days, your bank is closed, regardless of the day of the week.
Key Takeaways
- Standard bank hours are Monday through Friday, 9 a.m. to 5 p.m., but individual branches may open earlier or close earlier.
- Saturday hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m.; most banks do not open on Sunday.
- All banks close on the 11 federal holidays recognized by the U.S. government, including Christmas, Thanksgiving, and Independence Day.
- The fastest way to confirm your specific branch's hours is to search your bank's name plus "hours" online or call the branch directly.
How to find your bank's hours right now
The easiest method is to search "[Your Bank Name] hours near me" in Google Maps or your phone's maps app. The result will show your nearest branch, its full address, phone number, and today's hours in real time. If the branch is open, it will say "Open now" or show the closing time. If it is closed, it will say "Closed" and show when it opens next.
You can also visit your bank's official website and use their branch locator tool. Most major banks have a "Find a Branch" or "Locations" page where you enter your zip code and see all nearby branches with their hours. This method is reliable because banks update their websites when hours change for holidays or other reasons.
Calling the branch directly is the most certain method if you need to know right now. The phone number appears in Google Maps, on the bank's website, or on your debit card or bank statements. A staff member can tell you immediately whether the branch is open and answer questions about specific services.
Why banks close on certain days
Federal holidays are mandatory closures. The Federal Reserve and the U.S. government require all banks to close on these days, so no bank can stay open even if it wanted to. This affects not just in-person branches but also some online services — wire transfers, for example, may not process on federal holidays even though you can still log into your account.
Individual banks may also close on additional days for internal reasons, such as staff training or system maintenance. Some credit unions close on days that national banks stay open. This is why checking your specific branch's hours matters rather than assuming all banks follow the same schedule.
What you can do when your bank is closed
ATMs operate 24/7 at most banks, so you can withdraw cash, deposit checks (if your ATM has a deposit slot), and check your balance any time, even on holidays and Sundays. ATM withdrawals and deposits usually process immediately or within one business day.
Online banking — checking balances, transferring money between your own accounts, paying bills, and viewing statements — works around the clock. However, some transactions like wire transfers, loan applications, and account changes may not process until the next business day, even if you submit them while the bank is closed.
Mobile apps let you deposit checks by taking a photo, send money to other people through services like Zelle or Venmo, and manage most routine tasks without visiting a branch. If you need to speak to a person, many banks offer phone support during extended hours, though not always 24/7.
Federal holidays when all U.S. banks close
| Holiday | Typical Date |
|---|---|
| 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 |
| Christmas | December 25 |
Differences between national banks, regional banks, and credit unions
Large national banks like Chase, Bank of America, and Wells Fargo typically open at 9 a.m. on weekdays and close at 5 p.m., with Saturday hours from 9 a.m. to 1 p.m. or 2 p.m. Most have no Sunday hours. These banks follow federal holiday closures strictly.
Regional and community banks often have shorter hours — some open at 10 a.m. or close at 4 p.m. — and may have fewer Saturday locations. Credit unions vary widely; some open earlier or stay open later than national banks, while others have more limited hours. A few credit unions offer Saturday and even Sunday hours, but this is uncommon.
Online-only banks have no physical branches, so there are no branch hours to check. You handle everything through their app or website, and customer service is available by phone or chat during their stated support hours, which may differ from traditional bank hours.
What happens if you need banking services on a holiday or Sunday
Use an ATM to withdraw cash, deposit checks, or transfer money between your own accounts. ATMs never close and work on holidays and Sundays just like any other day.
Handle routine tasks through online banking or your mobile app — checking balances, paying bills, and moving money between your accounts. These services work around the clock, though some transactions may not process until the next business day.
If you need to speak to a representative, call your bank's customer service line. Many banks offer phone support on holidays and weekends, though wait times are often longer. Check your bank's website or the back of your debit card for the customer service number and their hours.
For urgent matters like fraud or a lost card, banks maintain 24/7 hotlines. The number is usually on your card or in your online account.
Frequently Asked Questions
Are banks open on Saturdays?
Most national bank branches open on Saturday from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though some locations may have different hours. Call your specific branch or check Google Maps to confirm. Credit unions and regional banks may have different Saturday hours or no Saturday service at all.
What time do banks close on weekdays?
Most banks close at 5 p.m. on weekdays, but some close at 4 p.m. or stay open until 6 p.m. Hours vary by branch and bank. The fastest way to know is to search your bank's name and "hours" on Google Maps or call the branch directly.
Can I do banking on a federal holiday?
You cannot visit a branch or speak to a representative, but you can use ATMs, online banking, and mobile apps. Wire transfers and other transactions that require staff processing will not go through until the next business day.
Do all banks have the same hours?
No. National banks, regional banks, and credit unions all have different standard hours, and individual branches within the same bank may vary. Some banks open at 8 a.m., others at 10 a.m. The only way to know your branch's hours is to look them up directly.
What should I do if I need cash on Sunday?
Use your bank's ATM, which operates 24/7. If your bank does not have an ATM near you, use an ATM from another bank — you may pay a fee, but you can still withdraw cash. Some credit unions and online banks partner with ATM networks that offer surcharge-free withdrawals at thousands of locations.