Most banks are closed tomorrow if it's a Saturday, Sunday, or federal holiday
Whether your bank is open tomorrow depends on three things: what day of the week it is, whether a federal holiday falls on that day, and which bank you use. If tomorrow is a weekday and not a federal holiday, most banks will be open during their regular hours — typically 9 a.m. to 5 p.m., though some branches open earlier or close later. If tomorrow is Saturday or Sunday, the vast majority of brick-and-mortar branches will be closed, though you can still use ATMs and online banking.
Federal holidays shut down most banks nationwide. The days that close banks are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on the day after Thanksgiving. If tomorrow is one of these holidays, plan to handle banking through ATMs or mobile apps instead.
Key Takeaways
- Most bank branches close on Saturdays, Sundays, and all eleven federal banking holidays, but ATMs and mobile apps work around the clock.
- Weekday hours vary by bank and branch — call your specific branch or check your bank's website to confirm tomorrow's hours.
- Credit unions often keep different hours than banks, so check directly if you bank with a credit union.
- If you need cash or to deposit a check tomorrow and the branch is closed, use your bank's ATM or mobile deposit feature instead.
How to check if your specific bank is open tomorrow
The fastest way is to call your branch directly or check your bank's website. Most banks have a branch locator tool where you enter your zip code, select your branch, and see tomorrow's hours listed. You can also open your bank's mobile app — many show branch hours and ATM locations right on the home screen.
If you bank with a large national chain like Bank of America, Wells Fargo, Chase, or Citibank, hours are usually 9 a.m. to 5 p.m. Monday through Friday, with Saturday hours at some locations (typically 9 a.m. to 1 p.m.) and Sunday closures. Smaller regional banks and credit unions vary widely, so do not assume your branch keeps the same hours as a competitor's.
What you can do if your bank is closed tomorrow
ATMs work 24 hours a day, seven days a week at most banks. You can withdraw cash, deposit checks (if your bank offers mobile deposit or ATM check deposit), transfer money between accounts, and check your balance without stepping inside a branch. If your bank's ATM does not accept check deposits, use your mobile app's mobile deposit feature instead — photograph the front and back of the check and submit it through the app.
Online banking and mobile apps let you pay bills, transfer money, set up automatic payments, and contact customer service through chat or email even when branches are closed. If you need to speak to a person, most banks offer phone support during extended hours or even 24/7, separate from branch hours. Look for a customer service number on your bank statement or the back of your debit card.
Federal holidays that close banks in 2024 and 2025
| Holiday | 2024 Date | 2025 Date |
|---|---|---|
| New Year's Day | Monday, January 1 | Wednesday, January 1 |
| Martin Luther King Jr. Day | Monday, January 15 | Monday, January 20 |
| Presidents' Day | Monday, February 19 | Monday, February 17 |
| Memorial Day | Monday, May 27 | Monday, May 26 |
| Juneteenth | Wednesday, June 19 | Thursday, June 19 |
| Independence Day | Thursday, July 4 | Friday, July 4 |
| Labor Day | Monday, September 2 | Monday, September 1 |
| Columbus Day | Monday, October 14 | Monday, October 13 |
| Veterans Day | Wednesday, November 11 | Thursday, November 11 |
| Thanksgiving | Thursday, November 28 | Thursday, November 27 |
| Christmas | Wednesday, December 25 | Thursday, December 25 |
When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, most banks close on Monday. Some banks also close on the day after Thanksgiving (Black Friday), though this is not a federal holiday and varies by institution.
Differences between bank branches, credit unions, and online banks
Traditional bank branches follow the federal holiday schedule and typically close on weekends. Credit unions often keep different hours — some open on Saturdays or stay open later on weekdays, while others close earlier. Call your credit union to confirm tomorrow's hours; do not assume they match a nearby bank's schedule.
Online-only banks like Ally, Charles Schwab, and Marcus have no physical branches, so the concept of "closed" does not apply the same way. You can transfer money, pay bills, and deposit checks through their apps at any time. However, wire transfers and other services may process slower on weekends and holidays because the banking system itself moves slower on those days.
What happens to deposits and transfers on closed days
If you deposit a check through an ATM or mobile app on a day the branch is closed, the deposit is timestamped but usually does not process until the next business day. The same applies to transfers and bill payments initiated after hours or on weekends — they queue up and process when the bank reopens. Wire transfers initiated on a closed day typically do not move until the next business day either.
If you need money to clear by a specific date, do not wait until the last day before a weekend or holiday. Deposit checks or initiate transfers at least one business day before you need the funds available. If tomorrow is a holiday or weekend and you need the money urgently, check whether your bank offers same-day transfer options through services like Zelle or your bank's own platform.
Frequently Asked Questions
Can I use my bank's ATM if the branch is closed tomorrow?
Yes. ATMs operate 24 hours a day, seven days a week at nearly all banks. You can withdraw cash, check your balance, deposit checks (if your ATM has that feature), and transfer money between your own accounts. If you need to deposit a check and your ATM does not accept deposits, use your bank's mobile app instead.
Will my check deposit process if I submit it through mobile deposit on a Sunday?
The deposit is submitted and timestamped on Sunday, but processing does not begin until Monday morning. Most mobile check deposits clear by the next business day, though some banks take two business days. Check your bank's mobile app or website for their specific mobile deposit timeline.
What if I need to speak to someone and the branch is closed?
Call your bank's customer service number, usually found on the back of your debit card or on your statement. Most banks offer phone support during extended hours or 24/7, separate from branch hours. You can also use chat or email through your mobile app or online banking portal.
Do credit unions have the same hours as banks?
No. Credit unions set their own hours and often differ from nearby banks. Some credit unions open on Saturdays or stay open later on weekdays. Check your specific credit union's website or call the branch directly to confirm tomorrow's hours.
If tomorrow is a federal holiday, can I still pay bills online?
Yes. You can set up bill payments through online banking or your mobile app at any time, including holidays. However, the payment does not process until the next business day. If the bill is due tomorrow, you may miss the deadline — call your biller to ask for an extension or pay through their website directly instead.