Most banks are closed on Sundays, but you can still move money
The vast majority of brick-and-mortar bank branches do not open on Sundays. Chase, Bank of America, Wells Fargo, Citibank, and most regional and local banks keep their physical locations closed on Sundays. If you need to deposit a check, withdraw cash, or speak to a teller, you will need to wait until Monday or visit on Saturday if your branch is open that day.
However, being closed on Sunday does not mean your bank is unavailable. You can still transfer money between your own accounts, pay bills, send wire transfers, and check your balance through online banking and mobile apps at any hour. ATMs run 24/7 at most banks, so you can withdraw cash or deposit checks at the machine even when the branch is dark.
A small number of banks do operate on Sundays, usually in major cities or at high-traffic locations. Some credit unions also open on Sundays. The only way to know whether your specific branch is open is to call the branch directly, check the bank's website, or use Google Maps, which shows current hours for most financial institutions.
Key Takeaways
- Nearly all major banks close their physical branches on Sundays, including Chase, Bank of America, Wells Fargo, and Citibank.
- You can still transfer money, pay bills, and check balances through online banking and mobile apps on Sunday at any time.
- ATMs are available 24/7 at most banks, so you can withdraw cash or deposit checks on Sunday without entering a branch.
- A few banks and credit unions do open on Sundays in certain locations; check your bank's website or call your branch to confirm.
- Wire transfers and other services initiated online on Sunday may not process until Monday morning, depending on your bank's cutoff times.
What you can do on Sunday without a branch
Online banking and mobile apps work around the clock, including Sundays. You can log in to your account, transfer money between your own checking and savings accounts, set up bill payments, and send money to other people through services like Zelle or your bank's own transfer tool. These transactions often process immediately or by the next business day, depending on the type of transfer and your bank's processing schedule.
ATMs let you withdraw cash, deposit checks, and check your balance on Sunday. Most banks own their ATMs outright and keep them running 24/7. If you use an ATM outside your bank's network, you may pay a fee, but the machine will still work. Check deposits made at an ATM on Sunday typically post to your account by Monday or Tuesday, though some banks hold mobile check deposits for longer.
If you need to send a wire transfer on Sunday, you can initiate it through online banking, but it will not leave your bank until Monday morning. Most banks have a cutoff time—often 2 p.m. or 3 p.m. Eastern time on business days—after which wire requests wait until the next day. Sunday requests sit in the queue until Monday morning.
What requires a branch visit
Depositing cash, getting a cashier's check, opening a new account, and speaking to a banker about a loan or investment all require a teller or banker in person. You cannot do these things on Sunday if your branch is closed. If you need cash urgently on a Sunday, an ATM will help. If you need a cashier's check, you will have to wait until Monday or find a branch that opens on Saturday.
Some banks offer Saturday hours at certain locations, which can help if you cannot visit during the week. A few branches in urban areas or shopping centers stay open on Sunday afternoons or evenings. Your bank's website usually lists which branches have extended hours, or you can call ahead to ask.
How to find a bank open on Sunday
Search Google Maps for your bank name and your city. The search result will show you the hours for each branch near you, including whether any open on Sunday. Call the branch directly if the hours are unclear or if you want to confirm before you travel there.
Credit unions sometimes have different hours than banks. If you belong to a credit union, check its website or call to see whether your branch or any nearby branches open on Sunday. Some credit unions participate in shared branching networks, which means you can visit a different credit union's branch and conduct basic transactions even if your own branch is closed.
If you use an online bank with no physical branches—such as Ally, Charles Schwab, or Discover—you have no branch to visit on any day. These banks handle everything through their website and phone support. If you need to deposit a check, you use mobile check deposit through the app. If you need cash, you use an ATM or transfer money to another bank's account.
Wire transfers and time-sensitive payments on Sunday
If you initiate a wire transfer on Sunday through online banking, your bank receives the request but does not send the wire until Monday morning. The receiving bank then processes it, which usually takes one business day. A wire sent on Sunday morning might not arrive until Tuesday afternoon, depending on the receiving bank's processing schedule.
If you need to send money urgently on a Sunday, consider using a service like Zelle, which often moves money between accounts at different banks within minutes or hours, even on weekends. Zelle is free and works through most major banks' online banking platforms. However, Zelle has daily and monthly limits—usually $500 to $2,000 per day depending on your bank—so it does not work for large transfers.
Bill payments scheduled through your bank's bill pay service may process on Sunday, but they will not reach the payee until Monday or later. If you have a bill due on Monday, do not wait until Sunday to pay it through your bank. Pay it on Friday or earlier to ensure it arrives on time.
Saturday as an alternative
Many banks open on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though hours vary by location and bank. If you need to visit a branch but cannot go during the week, Saturday is often your best option. Check your bank's website or call ahead to confirm Saturday hours at your branch, because not all locations are open on Saturday.
Some branches in rural areas or small towns do not open on Saturday. Urban branches and branches in shopping centers are more likely to have Saturday hours. If your branch does not open on Saturday, you may need to visit a different branch in your area or wait until Monday.
Frequently Asked Questions
Can I deposit a check at an ATM on Sunday?
Yes. Most ATMs accept check deposits 24/7, including on Sunday. The check will post to your account by Monday or Tuesday, depending on your bank. Mobile check deposit through your bank's app also works on Sunday and often posts faster than ATM deposits.
Will my wire transfer go through if I send it on Sunday?
No. Your bank will accept the request on Sunday, but the wire will not actually send until Monday morning. The receiving bank then processes it, so the money typically arrives on Monday or Tuesday. If you need money to move faster, use Zelle or another peer-to-peer service, which can transfer money within hours on weekends.
Can I withdraw money from my bank account on Sunday?
Yes, through an ATM. You can withdraw cash 24/7 from your bank's ATMs. If you need to withdraw a large amount of cash and your ATM has a daily limit, you may have to wait until Monday to visit a teller, or you can withdraw the maximum allowed on Sunday and return on Monday for the rest.
Are credit unions open on Sundays?
Most credit unions are closed on Sundays, just like banks. However, some credit unions in larger cities or shopping centers do open on Sunday afternoons. Check your credit union's website or call to see if any branches near you are open on Sunday. You may also be able to use shared branching to visit a different credit union's branch.
What if I need a cashier's check on Sunday?
You cannot get a cashier's check on Sunday if your branch is closed. Cashier's checks require a teller to issue them. If you need one urgently, visit on Saturday if your branch is open, or wait until Monday. Some banks can mail a cashier's check to you, but that takes several days.