Most banks close on weekends and federal holidays, but hours vary by branch and bank
Whether your bank is open today depends on three things: what day it is, which bank you use, and which branch location you're visiting. Most banks operate Monday through Friday from 9 a.m. to 5 p.m., but many now open Saturday mornings and some stay open later on weekdays. All banks close on Sundays and on federal holidays like Thanksgiving, Christmas, and New Year's Day — though ATMs stay available around the clock.
The fastest way to know is to call your branch directly or check your bank's website or mobile app. Most banks show branch hours right on their homepage, searchable by location. If you're in a hurry and need cash or to deposit a check, an ATM works any time, and many banks now let you deposit checks through their app by taking a photo.
Key Takeaways
- Standard bank hours are Monday through Friday, 9 a.m. to 5 p.m., but many branches open Saturday and some stay open until 6 or 7 p.m. on weekdays.
- All banks close on Sundays and on federal holidays, including Thanksgiving, Christmas, New Year's Day, Independence Day, and Labor Day.
- Your bank's website or mobile app shows exact hours for your specific branch location in seconds.
- ATMs and mobile deposit work 24/7, so you can handle most routine transactions without waiting for the branch to open.
- If you need to speak to a person, call ahead rather than showing up, because hours can change without notice during holidays or emergencies.
How to find your bank's hours right now
Go to your bank's website and look for a "Branch Locator" or "Hours" link, usually in the footer or top menu. Type in your zip code or city and the site will show you every branch near you with its exact hours for today and the rest of the week. Most banks also list holiday closures a month or two in advance, so you can plan around them.
If you use a major bank like Chase, Bank of America, Wells Fargo, or Citibank, their mobile apps show branch hours and let you search by location without leaving the app. You can also call your branch directly — the phone number is on your debit card, your statements, or the bank's website. A teller can tell you whether the branch is open today and whether you need an appointment for what you're trying to do.
Federal holidays when all banks close
Banks close on the same federal holidays every year. These are: 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 (fourth Thursday in November), and Christmas (December 25).
When a federal holiday falls on a weekend, banks usually close on the nearest weekday instead. For example, if Christmas falls on a Saturday, most banks close on Friday. Check your bank's website in November and December to confirm the exact closure dates, because some banks close on the day before or after a holiday depending on their policy.
Saturday and extended weekday hours
Many banks now open on Saturday mornings, typically from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though this varies widely by branch and bank. Smaller branches and branches in rural areas are less likely to have Saturday hours. Some banks extend their weekday hours to 6 or 7 p.m. on certain days, especially Thursday and Friday, to serve people who work during standard business hours.
Credit unions often have different hours than banks — some stay open later on weekdays or open on Saturday, while others keep shorter hours. If you bank with a credit union, check their website or call your local branch, because hours can differ significantly from branch to branch even within the same credit union.
What you can do when the branch is closed
ATMs work 24/7 and let you withdraw cash, deposit cash or checks (at most banks), transfer money between accounts, and check your balance. Many banks now let you deposit checks through their mobile app by taking a photo of the front and back — this is often faster than going to an ATM and works at any time of day or night.
You can also pay bills, transfer money, and send wire transfers through your bank's website or app without visiting a branch. If you need to speak to someone, most banks offer phone support during extended hours, sometimes 24/7. Some banks have video chat with a teller available outside normal branch hours. Check your bank's website to see what services are available after hours.
What to do if you need the branch to be open
Call ahead rather than showing up. A teller can tell you whether your branch is open today, whether you need an appointment, and whether they can handle what you need to do. Some transactions — like opening a new account, getting a cashier's check, or discussing a loan — require an in-person appointment, and branches often book these days or weeks in advance.
If your branch is closed and you need cash urgently, use an ATM at your bank or at another bank in the same network. If you need to deposit a large amount of cash or a check and can't wait, most banks let you deposit through an ATM or mobile app. If neither works for your situation, ask whether another branch nearby is open today or whether you can handle it by phone or video chat.
Frequently Asked Questions
Do banks stay open later on certain days?
Many banks stay open until 6 or 7 p.m. on Thursday and Friday, and some extend hours on Wednesday. Call your branch or check the website to see what days have extended hours, because this varies by location and bank.
Are banks open on the day after Thanksgiving?
Most banks are open the day after Thanksgiving (the Friday after the fourth Thursday in November), though some close on that day as well. Check your bank's website or call to confirm, because policies vary.
Can I deposit a check if the branch is closed?
Yes. You can deposit checks through an ATM at most banks, or through your mobile app by taking a photo of the check. Both work 24/7 and the funds usually show up in your account within one or two business days.
What if my bank's website doesn't show today's hours?
Call your branch directly — the number is on your debit card or bank statements. A teller can tell you whether the branch is open today and what services are available. You can also try searching "[your bank name] hours near me" in Google Maps, which often shows current hours.
Do all branches of the same bank have the same hours?
No. Hours vary by branch location, and some branches in busy areas stay open later or on weekends while others keep shorter hours. Always check the specific branch you plan to visit.