Most U.S. banks close on federal holidays, weekends, and after 5 or 6 p.m. on weekdays
Whether your bank is open today depends on three things: the day of the week, whether it is a federal holiday, and your bank's specific hours. Most brick-and-mortar branches operate Monday through Friday from 9 a.m. to 5 p.m., with some staying open until 6 p.m. or offering Saturday hours. All banks close on Sundays and on the 11 federal holidays observed by the Federal Reserve — including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
The fastest way to know if your bank is open right now is to call the branch directly or check your bank's website or mobile app. Most banks display branch hours on their homepage, and many apps show a green "open" or red "closed" indicator. If you need to handle money today and your branch is closed, you can use ATMs, mobile banking, or online transfers — these work 24/7 regardless of branch hours.
Key Takeaways
- Standard bank hours are Monday through Friday, 9 a.m. to 5 or 6 p.m., with some branches open on Saturday mornings.
- All banks close on Sundays and on 11 federal holidays each year, including Christmas, Thanksgiving, Independence Day, and Memorial Day.
- The quickest way to confirm your bank is open is to call your branch, check your bank's website, or look at your mobile app.
- ATMs, online transfers, and mobile banking work around the clock even when branches are closed.
- If you need cash or in-person service on a holiday or weekend, credit unions and some online banks may have different hours.
Federal holidays when all U.S. banks close
The Federal Reserve recognizes 11 holidays each year when all banks must close. These are: New Year's Day (January 1), Birthday of Martin Luther King Jr. (third Monday in January), Washington's Birthday (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 Day (fourth Thursday in November), and Christmas Day (December 25).
When one of these holidays falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, they close on Monday. Some banks may also observe additional state or regional holidays beyond the federal list, so it is worth checking your specific branch's calendar if you are planning around a less common date.
How to check if your bank is open today
The most direct method is to visit your bank's website and look for "branch hours" or "locations." Enter your zip code or select your branch from a list, and you will see today's hours and whether the branch is currently open. Most major banks — including Bank of America, Chase, Wells Fargo, Citibank, and regional institutions — display this information prominently on their homepage.
Your bank's mobile app usually shows the same information and may include a map, phone number, and directions. If you are unsure which branch you use, log into your account online or in the app and look for a "find a branch" or "locations" tab. You can also call your branch directly; the number is on your debit card, in your account statements, or on the bank's website.
What you can do when your bank branch is closed
Bank branches close, but most banking services do not. You can withdraw cash from any ATM in your bank's network or from partner networks, deposit checks using mobile check deposit (available in most bank apps), transfer money between accounts online, pay bills through online banking, and send money to other people via wire transfer or peer-to-peer apps. These services work 24/7, including weekends and holidays.
If you need to speak with someone, many banks offer phone support during extended hours or even around the clock. Some banks have chat support through their website or app. If your issue requires in-person service — such as opening a new account, getting a cashier's check, or resolving a complex problem — you will need to wait until a branch reopens.
Credit unions and online banks may have different hours
Credit unions often have different hours than traditional banks and may be open on some days when major banks are closed. However, they still close on federal holidays. If you belong to a credit union, check its website or call to confirm today's hours, as they vary widely by location and institution.
Online banks (sometimes called digital banks) have no physical branches, so the concept of "open" and "closed" does not apply in the same way. You can access your account and move money anytime, but customer service availability may be limited on weekends and holidays. Check your online bank's support hours if you need to reach someone today.
Planning ahead for holidays and weekends
If you know you will need cash or in-person service on a holiday or weekend, withdraw money and handle your banking before the branch closes. Most banks close at 5 p.m. on weekdays, so plan to visit in the morning or early afternoon if you need to see a teller. For upcoming federal holidays, mark your calendar and take care of banking needs the business day before.
If you regularly need banking services outside standard hours, consider setting up automatic bill payments, using mobile check deposit, and keeping extra cash on hand. These habits reduce your dependence on branch hours and make managing money easier when you cannot visit in person.
Frequently Asked Questions
Is my bank open on Christmas or Thanksgiving?
No. All U.S. banks close on Christmas Day (December 25) and Thanksgiving Day (the fourth Thursday in November) because these are federal holidays. If either falls on a Saturday, banks close on Friday instead. If either falls on a Sunday, banks close on Monday.
Can I use my ATM on a holiday?
Yes. ATMs work 24/7, including on federal holidays and weekends. You can withdraw cash, check your balance, and deposit checks (if your ATM has that feature) anytime, even when your branch is closed.
What if I need to deposit a check on a Sunday?
Use your bank's mobile app to deposit the check by taking a photo of the front and back. The deposit will be processed when the bank reopens on Monday. If your bank does not offer mobile check deposit, you can mail the check or wait until Monday to deposit it in person or at an ATM.
Do banks close early on the day before a holiday?
Most banks keep their regular hours on the day before a federal holiday. However, some branches may close early, so it is worth calling ahead if you plan to visit late in the afternoon.
Are there any banks open on Sundays?
Traditional bank branches do not open on Sundays. Some credit unions may have Sunday hours, and online banks are accessible anytime, but you cannot visit a physical branch on Sunday at any major U.S. bank.