Most banks are closed on Saturdays and Sundays, but you have options
The vast majority of brick-and-mortar bank branches do not open on weekends. Saturday and Sunday are not business days for traditional banking, which means you cannot walk into a Chase, Bank of America, Wells Fargo, or most regional banks on Saturday morning to deposit a check or withdraw cash. The same applies to credit unions — most close on weekends as well.
However, you are not locked out of your money. ATMs run 24 hours a day, seven days a week at most banks. Online banking platforms let you transfer money, pay bills, and check balances any time. Some banks now offer limited Saturday hours at select locations, and a few credit unions have expanded weekend service. The key is knowing which method works for what you need to do.
Key Takeaways
- ATMs are available around the clock on weekends, so you can withdraw cash or deposit checks at any hour, though some deposits may not post until Monday.
- Online banking and mobile apps work 24/7 for transfers, bill payments, and balance checks, with no branch visit required.
- A small number of banks offer Saturday hours at certain branches, but Sunday hours are extremely rare — call ahead to confirm before you go.
- If you need to speak to a person on the weekend, some banks offer phone support or chat, though response times may be slower than weekday service.
- Money deposited at an ATM on Saturday or Sunday typically does not post to your account until Monday or Tuesday, depending on the bank.
ATM access on weekends — what you can and cannot do
ATMs are your most reliable weekend option. You can withdraw cash, deposit checks, deposit cash, and transfer money between your own accounts at most ATMs on Saturday and Sunday. The machine does not close, and your bank's ATM network is available around the clock.
The catch is timing. A check you deposit in an ATM on Saturday morning will not show up in your account until Monday at the earliest — often Tuesday. The bank does not process weekend deposits until the next business day. Cash deposits sometimes post faster, but do not count on same-day credit. If you need the money to clear by Monday morning, depositing it Saturday is too late.
Out-of-network ATMs — machines that belong to a different bank — usually work on weekends too, but you will pay a fee (typically $2 to $3) unless your bank has a surcharge-free network agreement. Check your bank's website or app to find ATMs in your bank's network before you need one.
Online and mobile banking on weekends
Your bank's website and mobile app are open all weekend. You can log in at 2 a.m. on Sunday and transfer money between your accounts, send money to someone else, pay bills, or check your balance. These transactions process immediately in your account, though they may not reach the recipient until the next business day.
If you need to send money to another person's bank account, use your bank's bill pay or transfer service. The money leaves your account right away, but it typically arrives at the recipient's bank on the next business day (Monday if you send it on the weekend). Some banks offer faster options like Zelle or same-day ACH, but these still process on business days only.
Mobile apps often have the same features as the website, and some banks prioritize the app for the fastest experience. Check whether your bank offers any weekend-only features or limitations in its app before you need them.
Saturday hours at select bank branches
A growing number of banks offer Saturday hours at certain locations, but this is not standard across the industry. Banks like Chase, Bank of America, and Wells Fargo have Saturday hours at some branches, typically from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., but not all branches participate. Smaller regional banks and credit unions vary widely — some have Saturday service, others do not.
The only way to know if your branch is open Saturday is to call ahead or check the bank's website. Search for your branch by address and look for hours listed. Do not assume that because one branch is open Saturday, yours is too. Sunday hours are almost nonexistent — you will find them at very few locations, if any.
If you need a service that requires a teller or banker — depositing a large amount of cash, getting a cashier's check, opening a new account, or discussing a loan — Saturday hours at your branch may be your only option outside the weekday 9-to-5 window.
Phone and chat support on weekends
Many banks offer phone support on Saturday, though hours are often shorter than weekday service. Some start at 8 a.m. or 9 a.m. and close by 1 p.m. or 2 p.m. on Saturday. Sunday phone support is less common, and when it exists, it is usually limited to urgent issues like fraud or a locked account.
Chat support through the bank's website or app may be available on weekends, but response times are typically longer than during business hours. If you have a question that is not urgent, email support sent on Saturday or Sunday will usually get a response by Monday or Tuesday.
Check your bank's website for weekend phone hours before you call. The number is usually listed under "Contact Us" along with the hours each day of the week.
What to do if you need money urgently on a weekend
If you need cash right now, use an ATM. If you need to send money to someone else, use your bank's online transfer or bill pay service — it will leave your account immediately, even if it does not reach the recipient until Monday. If you need a check or a service that requires a teller, look for a branch with Saturday hours in your area.
If your bank does not have Saturday hours and you cannot use an ATM or online banking, consider opening an account at a bank or credit union that does offer weekend service. Some online banks and fintech companies offer 24/7 customer service and faster processing, though they do not have physical branches.
For truly urgent situations — like a fraud alert or a compromised card — call your bank's fraud line. Most banks staff this line 24/7, even on weekends, because fraud does not wait for Monday morning.
How weekend deposits affect your account balance
When you deposit money at an ATM on Saturday or Sunday, your bank receives it, but the funds do not post to your account until the next business day. This means the money shows up in your account on Monday (or sometimes Tuesday), not on the weekend. If you are counting on a deposit to cover a check or payment due Monday, depositing it Saturday is risky.
Checks deposited at an ATM on Friday will usually post by Monday. Checks deposited Saturday or Sunday will post Monday or Tuesday. Cash deposits sometimes post faster, but the bank is not required to credit them immediately. If you need money to be available by a specific time, call your bank to ask about their specific posting schedule for weekend deposits.
Frequently Asked Questions
Can I deposit a check at an ATM on Sunday and have it available Monday morning?
Probably not. Most banks do not process ATM deposits until the next business day, so a check deposited Sunday will not post until Monday or Tuesday. If you need the money Monday morning, depositing it Sunday is too late. Deposit it Friday instead, or use online transfer if you are sending money to someone else.
Are credit unions open on Saturdays?
Some are, but most are not. Credit union hours vary by location and institution. Call your credit union or check its website to see if your branch has Saturday hours. A few credit unions offer limited Saturday service, but Sunday hours are extremely rare.
Can I withdraw money from my bank account on Sunday?
Yes, if you use an ATM. You can withdraw cash 24/7 from your bank's ATM network. If you need to speak to a person or access a service that requires a teller, you will need to wait until Monday or find a branch with Sunday hours (which is very uncommon).
What if I need to deposit cash on the weekend?
Use an ATM if your bank has one available. Cash deposits at ATMs usually post by the next business day. If you need the money to be available immediately, you will have to wait until a branch opens during the week, or use a different method like mobile check deposit if your bank offers it.
Do banks charge fees for weekend ATM use?
Your bank does not charge a fee for using your own bank's ATM on the weekend. However, if you use an ATM that belongs to a different bank, you will typically pay a fee of $2 to $3 unless your bank has a surcharge-free network agreement with that ATM operator.