Most banks are closed on weekends and federal holidays, open Monday through Friday from 9 a.m. to 5 p.m., but hours vary by branch and bank
Whether your bank is open tomorrow depends on what day tomorrow is and which bank you use. If tomorrow is Saturday or Sunday, most retail bank branches are closed, though some banks offer limited Saturday hours. If tomorrow is a federal holiday—like Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, or Christmas—your branch will be closed even if it falls on a weekday. The fastest way to know is to search your bank's name plus "hours" or call the specific branch you plan to visit.
Bank hours are not uniform across the industry. A Chase branch in one city might close at 4 p.m. while another Chase branch closes at 6 p.m. Some credit unions open at 8:30 a.m., others at 10 a.m. Regional banks often have different schedules than national chains. The only reliable source is your own bank's website or a direct call to your branch.
Key Takeaways
- Most bank branches are closed Saturday and Sunday, and closed on all federal holidays regardless of the day of the week.
- Weekday hours typically run 9 a.m. to 5 p.m., but individual branches vary by as much as two hours on either end.
- Your bank's website or mobile app shows your specific branch's hours, and you can call the branch directly to confirm before you go.
- If you need to deposit money or access cash when your branch is closed, ATMs and mobile banking are available 24/7.
How to check your specific branch's hours
Go to your bank's official website and look for a "Locations" or "Find a Branch" tool. Enter your zip code or the address of the branch you plan to visit. The result will show that branch's hours for each day of the week, including tomorrow. Most banks also display holiday closures on this same page, so you can see at a glance whether tomorrow is a day the branch will be closed.
If you use your bank's mobile app, the branch locator is usually on the home screen or in a menu labeled "Locations" or "Branches." The app often shows hours in real time and may even tell you how busy the branch is right now. If you do not have internet access or prefer to speak to someone, call the branch directly. The phone number is on your bank statement, your debit card, or the bank's website.
Federal holidays when banks close
Banks observe the following federal holidays and close all branches on these days: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (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).
If a holiday falls on a weekend, most banks close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks typically close on Friday. Some banks may close on the day after Thanksgiving as well, though this is not a federal holiday. Check your bank's holiday schedule on their website to be certain, especially around less common holidays like Juneteenth, which some banks began observing more recently.
Saturday and Sunday hours
Most national banks do not open on Saturday or Sunday. However, some regional banks and credit unions offer limited Saturday hours, typically from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. A few banks in competitive markets may open on Saturday mornings only. Sunday hours are rare and usually found only at credit unions or banks in high-traffic areas.
If you need to do banking on a weekend, check your bank's website first. If your branch does not open on Saturday, you can still deposit checks and transfer money through your mobile app or ATM. Withdrawals and deposits made at an ATM on Saturday will typically post to your account by Monday morning, depending on your bank's processing schedule.
What to do if your branch is closed tomorrow
If your bank is closed tomorrow and you need to deposit a check, use mobile check deposit through your bank's app. Take a photo of the front and back of the check, enter the amount, and submit it. The check will usually post within one business day. If you need cash, find an ATM belonging to your bank or a network your bank participates in (such as Allpoint or MoneyPass for some credit unions). ATMs are available 24/7 and do not have holiday closures.
If you need to speak to someone at your bank tomorrow and the branch is closed, call the customer service number on the back of your debit card or on your bank's website. Most banks staff phone lines during business hours even on days when branches are closed, and some offer 24/7 phone support. For urgent issues like a lost card or suspected fraud, banks typically have a dedicated line that operates around the clock.
How bank hours affect check deposits and transfers
Checks deposited at a branch during business hours usually post the same day or the next business day. Checks deposited after hours at an ATM or through mobile deposit typically post the next business day. If you deposit a check on Friday after the branch closes, it will not post until Monday at the earliest, and may not post until Tuesday if Monday is a holiday.
Electronic transfers between accounts at the same bank are usually instant or post within a few hours, regardless of the time of day or whether the branch is open. Transfers to another bank (called ACH transfers) typically take one to three business days. Wire transfers are faster but cost money and require you to initiate them during business hours at most banks. If you need to send money urgently and your branch is closed, call customer service to ask about wire transfer options.
Frequently Asked Questions
Can I use an ATM if the bank is closed?
Yes. ATMs are available 24/7 and do not close on weekends or holidays. You can withdraw cash, deposit checks, and transfer money between your own accounts at any time. Deposits made at an ATM may take until the next business day to post to your account.
Do all banks close on the same holidays?
Most banks close on the same federal holidays, but some credit unions and smaller regional banks may have different schedules. Check your specific bank's website to see which holidays they observe. A few banks may close on additional days beyond the standard federal holidays.
What if I need to speak to someone and the branch is closed?
Call the customer service number on the back of your debit card or on your bank's website. Most banks have phone support during regular business hours, and many offer 24/7 support for urgent issues like fraud or lost cards. You can also use your mobile app to message your bank or schedule a callback.
Will my deposit post if I use the ATM on a holiday?
Deposits made at an ATM on a holiday will not post until the next business day after the holiday. If you deposit a check on Thanksgiving, it will not post until Friday at the earliest. Mobile check deposits follow the same rule.
Do banks have different hours on weekdays?
Yes. Some branches open at 8:30 a.m. and close at 4 p.m., while others open at 9 a.m. and close at 6 p.m. or later. Hours also vary by day of the week—many branches close earlier on Friday or have shorter hours on certain weekdays. Check your branch's specific schedule on your bank's website.