Most NYC banks open at 9 a.m. on weekdays, close at 5 or 6 p.m., and have limited Saturday hours
The major banks operating in New York City—Chase, Bank of America, Citibank, and Amalgamated Bank—typically open at 9 a.m. on Monday through Friday and close between 5 and 6 p.m. Saturday hours vary by branch, usually 9 a.m. to 1 or 2 p.m., and most branches are closed on Sunday. However, hours differ by location and change seasonally, so checking your specific branch online takes 30 seconds and is more reliable than a general answer.
The fastest way to confirm today's hours is to search "[Bank Name] near me" on Google Maps, which shows the exact branch location, current hours, and whether it's open right now. You can also call the branch directly or visit the bank's website and use their branch locator tool. If you need to deposit a check or withdraw cash outside business hours, most banks have ATMs available 24/7.
Key Takeaways
- Weekday hours for major NYC banks are typically 9 a.m. to 5 or 6 p.m., but individual branches vary.
- Saturday hours are usually 9 a.m. to 1 or 2 p.m., and most branches do not open on Sunday.
- Google Maps shows real-time hours for your nearest branch and whether it is currently open.
- ATMs are available 24/7 at most bank locations for deposits, withdrawals, and balance checks.
- Holiday schedules change bank hours, so check ahead if today is a federal holiday or the day after one.
How to find your branch's exact hours
Do not rely on a general schedule. Banks close for holidays, adjust hours seasonally, and sometimes close individual branches for maintenance. The most direct method is to open Google Maps on your phone or computer, search the bank name, and look at the branch nearest you. The hours appear at the top of the listing, and a green "Open" label means the branch is currently serving customers.
If you prefer calling, the main customer service number for each bank connects you to a representative who can confirm hours for any branch. Chase customer service is 1-800-935-9935, Bank of America is 1-800-432-1000, and Citibank is 1-800-627-1111. Have your zip code or branch address ready so they can give you the right information immediately.
What to do if the branch is closed
If you need to deposit a check or withdraw cash and the branch is closed, use the ATM. Most bank ATMs accept check deposits 24/7, and you receive a receipt showing the deposit amount. The check typically clears within one to two business days. For withdrawals, your debit card works at any ATM in your bank's network at any hour.
If you need to speak to a person—to dispute a charge, open an account, or discuss a loan—and the branch is closed, call the customer service number. Many banks offer phone support during extended hours, sometimes until 8 or 9 p.m. on weekdays. Some also offer chat support through their website or mobile app.
Holiday closures and schedule changes
Banks close on federal holidays, including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. When a holiday falls on a weekend, banks typically close on the following Monday. Check your bank's website or call ahead if today or tomorrow is near a holiday, because hours may be reduced or the branch may be closed entirely.
Some branches also adjust hours during summer months or around major events. If you are planning a visit and want to be certain, a quick phone call or online search removes any doubt and saves a wasted trip.
ATM access and after-hours banking
Every major bank in NYC has ATMs available around the clock. You can deposit checks, withdraw cash, transfer money between accounts, and check your balance without entering a branch. Chase has over 4,700 ATMs in New York State alone, Bank of America has thousands across the city, and Citibank and Amalgamated Bank have extensive networks as well. Your debit card works at any ATM in your bank's network.
If you need to deposit cash or a check after hours, the ATM is your option. Check deposits typically post within one to two business days. If you need to deposit a large amount of cash, some banks have night deposit boxes at branch locations—ask a teller about this service if you visit during business hours.
Mobile banking and online options
You do not need to visit a branch for many common tasks. Most banks let you transfer money, pay bills, deposit checks by photo, and manage your account through their mobile app or website. Chase Mobile, Bank of America's app, Citibank's online portal, and Amalgamated Bank's digital tools all work 24/7. If you need to deposit a check, take a photo of the front and back with your phone and submit it through the app—no branch visit required.
For questions about your account, many banks offer live chat through their website or app during business hours and automated support anytime. This is often faster than calling or visiting a branch, especially if you have a simple question.
Frequently Asked Questions
Are banks open on Saturday in NYC?
Most major bank branches in New York City open on Saturday from 9 a.m. to 1 or 2 p.m., but hours vary by location. Some branches have longer Saturday hours, and a few may be closed. Check Google Maps or call your branch to confirm.
What time do banks close on weekdays?
Most NYC bank branches close between 5 and 6 p.m. on weekdays, though some close earlier and a few stay open until 7 p.m. Your specific branch's closing time appears on Google Maps or the bank's website.
Can I deposit a check after the branch closes?
Yes. Use the ATM to deposit a check 24/7, or use mobile check deposit through your bank's app if you have a smartphone. Both methods typically post the deposit within one to two business days.
Do banks close on holidays?
Yes. Banks close on all federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. When a holiday falls on a weekend, the branch usually closes the following Monday.
Is there a way to bank outside of branch hours?
Yes. ATMs work 24/7 for deposits and withdrawals, mobile apps let you transfer money and pay bills anytime, and most banks offer phone or chat support during extended hours, sometimes until 8 or 9 p.m. on weekdays.