Most Massachusetts banks open at 9 a.m. on weekdays and close between 4 and 6 p.m.
The exact hours depend on which bank you use and which branch. Bank of America, Citizens Bank, and Santander — the three largest in Massachusetts — typically open at 9 a.m. on Monday through Friday, but closing times vary by location. Some branches close at 4 p.m., others at 5 p.m. or 6 p.m. Saturday hours are usually 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., and most branches are closed on Sunday.
The fastest way to know your branch's actual hours is to search the bank's name plus "hours" on Google Maps or call the branch directly. Hours change seasonally and sometimes without notice, so checking before you go saves a trip.
Key Takeaways
- Most Massachusetts bank branches open at 9 a.m. on weekdays and close between 4 and 6 p.m., but hours vary by location and bank.
- Google Maps shows real-time hours for your specific branch, including whether it is open right now.
- Saturday hours are usually 9 a.m. to 2 p.m., and nearly all branches are closed on Sunday.
- If you need to deposit money or withdraw cash outside branch hours, use your bank's ATM or mobile app to transfer funds.
How to find your branch's hours right now
Open Google Maps on your phone or computer and search for your bank's name — for example, "Citizens Bank near me" or "Bank of America Boston." The first result will show your nearest branch with its hours displayed directly below the address. A green "Open" label means the branch is open right now. A red "Closed" label means it is closed.
If you do not have internet access, call the branch directly. The phone number is on your debit card, in your bank statements, or in the bank's app. A staff member can tell you today's hours and whether you need an appointment for certain services.
Saturday and Sunday hours in Massachusetts
Most Massachusetts banks are open on Saturday from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though some larger branches stay open until 3 p.m. or 4 p.m. Hours are shorter than weekdays because fewer staff are scheduled.
Almost no bank branches in Massachusetts are open on Sunday. If you need to deposit a check or withdraw cash on Sunday, use your bank's ATM. If you need to speak to a person, you will have to wait until Monday or call the bank's customer service line, which may have limited Sunday hours.
What to do if you cannot reach your branch today
If your branch is closed or you cannot get there during business hours, your bank's mobile app or website lets you transfer money between your own accounts, pay bills, and deposit checks by taking a photo. These services work 24 hours a day, seven days a week.
If you need to withdraw cash, find an ATM that belongs to your bank or a network your bank is part of — most Massachusetts banks are part of the Allpoint or MoneyPass networks, which have thousands of ATMs nationwide. ATMs do not charge your bank's fees when you use them, though some ATMs charge a small fee to you.
For questions that require a person — a lost card, a fraud dispute, or a loan question — call your bank's customer service number. Most banks have phone lines open until 8 p.m. or 9 p.m. on weekdays and shorter hours on Saturday.
Holiday closures in Massachusetts
All Massachusetts 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. Some banks also close on the day after Thanksgiving.
If a holiday falls on a Saturday or Sunday, most banks close on the nearest weekday instead. Check your bank's website or call ahead if you are planning a banking trip around a holiday.
Differences between major Massachusetts banks
Bank of America branches in Massachusetts typically open at 9 a.m. and close at 5 p.m. on weekdays, with Saturday hours from 9 a.m. to 1 p.m. Citizens Bank, which has the most branches in the state, usually opens at 9 a.m. and closes at 5 p.m. on weekdays, with Saturday hours from 9 a.m. to 2 p.m. Santander branches open at 9 a.m. and close at 4 p.m. on weekdays, with Saturday hours from 9 a.m. to 1 p.m.
Smaller regional banks and credit unions may have different hours. Eastern Bank, a large Massachusetts credit union, typically opens at 9 a.m. and closes at 5 p.m. on weekdays, with Saturday hours from 9 a.m. to 1 p.m. Always check your specific branch because hours vary by location even within the same bank.
Frequently Asked Questions
Can I do my banking outside of branch hours?
Yes. ATMs work 24/7 for cash withdrawals and deposits. Your bank's app or website lets you transfer money, pay bills, and deposit checks by photo at any time. For questions that need a person, call customer service — most banks have phone lines open until 8 or 9 p.m. on weekdays.
Do I need an appointment to visit my bank branch?
Most routine transactions — deposits, withdrawals, account questions — do not need an appointment. For services like opening a new account, applying for a loan, or a safe deposit box, calling ahead to schedule an appointment can save you a wait, especially on busy days like Friday afternoon.
What if my bank branch is closed but I need cash today?
Use an ATM that belongs to your bank or a network your bank is part of. If you do not have a card or your card is lost, call your bank's customer service line and ask about emergency cash options or the nearest ATM location.
Are Massachusetts banks open on Presidents' Day or other holidays?
No. All Massachusetts banks close on federal holidays, including Presidents' Day, Memorial Day, Labor Day, and Thanksgiving. If a holiday falls on Saturday or Sunday, most banks close on the nearest weekday instead. Check your bank's website to confirm.