Most banks open at 9 a.m. and close at 5 p.m. on weekdays, but hours vary by branch and bank
Bank hours are not the same everywhere. A Chase branch in one city might close at 4 p.m. while another stays open until 6 p.m. Some banks open at 8 a.m., others at 10 a.m. The only way to know when your specific branch is open today or tomorrow is to check directly with that branch — not the bank's main number, but the location you plan to visit.
Most major banks (Bank of America, Wells Fargo, Citibank, Chase, US Bank) follow a similar pattern: weekdays 9 a.m. to 5 p.m., Saturday 9 a.m. to 1 p.m., closed Sunday. But this is a starting point, not a rule. Credit unions, regional banks, and online-only banks operate on different schedules. Some branches close for lunch. Some stay open until 7 p.m. on certain weekdays. A few open on Sunday.
If you need to visit a branch today or tomorrow, the fastest way to learn about it is open is to search the bank's name plus "hours" in Google Maps, call the specific branch directly, or log into your bank's app or website — most show branch hours on the location page.
Key Takeaways
- Standard weekday hours for most major banks are 9 a.m. to 5 p.m., but individual branches vary by location and bank.
- Saturday hours are typically 9 a.m. to 1 p.m., and most banks are closed on Sunday.
- Google Maps, your bank's website, or a call to your specific branch will show you the exact hours for today and tomorrow.
- Credit unions and regional banks often have different schedules than national chains, so do not assume the same hours apply.
- Some branches close for lunch or stay open later on certain days, so checking ahead saves a wasted trip.
How to find your bank's hours right now
Google Maps is the fastest tool. Search "[Bank Name] near me" and click on the branch closest to you. The hours appear on the right side of the screen, along with whether it is open now. This works for any bank, credit union, or savings bank.
Your bank's official website or mobile app is equally fast. Log in or visit the "Locations" or "Find a Branch" page, enter your zip code or address, and click on the branch you want to visit. Hours are listed there, and many apps show a green "Open now" label if the branch is currently operating.
Calling the branch directly is the most reliable method if you need to be certain. Do not call the main customer service line — that number routes you to a call center. Instead, search for your branch's direct phone number on Google Maps or your bank's website and call that location. A staff member can tell you the exact hours and whether anyone is available to help with your specific task.
Why bank hours matter for refunds and payments
If you are waiting for a refund to arrive or need to deposit a check, bank hours affect when your money is processed. Deposits made after the cutoff time (usually 2 p.m. or 3 p.m. on weekdays) are credited the next business day. Deposits made on Saturday or Sunday are credited Monday. Knowing when your branch is open helps you time a deposit if you need the money quickly.
For tax refunds, stimulus payments, and insurance refunds, the bank's hours do not change when the money arrives — those deposits happen automatically through the ACH system, which runs 24/7. But if you need to speak to someone about a deposit that has not shown up, you need to know when the branch is staffed.
Weekend and holiday hours
Saturday hours are typically 9 a.m. to 1 p.m. at major banks, though some branches stay open until 3 p.m. or close earlier at 11 a.m. Sunday hours are rare — most banks are closed, though some credit unions and online banks offer limited Sunday service.
On federal holidays (New Year's Day, Memorial Day, Independence Day, Thanksgiving, Christmas, and others), banks are closed. This means any deposit you make on a holiday is not processed until the next business day. If a refund is scheduled to arrive on a holiday, it typically arrives the day before or the day after, depending on the bank and the payment method.
What to do if you cannot visit during regular hours
Most banks offer ATM access 24/7, which means you can deposit checks or withdraw cash at any time. ATM deposits are usually processed the next business day, the same as in-branch deposits made after the cutoff time.
Mobile deposit through your bank's app allows you to photograph a check and submit it without visiting a branch. This works any time of day or night and is often faster than an ATM deposit. Log into your app, select "Mobile Deposit" or "Deposit a Check," photograph the front and back of the check, and submit. The funds are typically available the next business day.
If your bank is closed and you need to speak to someone, most banks offer phone support during extended hours — sometimes until 8 p.m. or 9 p.m. on weekdays, and some offer weekend phone support. Check your bank's website for the customer service hours.
Banks that operate on different schedules
Online-only banks (Ally, Charles Schwab, Discover) have no physical branches, so there are no branch hours. Customer service is available by phone or chat during set hours, usually 7 a.m. to 11 p.m. or 8 a.m. to 10 p.m. on weekdays. Deposits and withdrawals happen through ATMs, transfers, or mobile deposit.
Credit unions often have shorter hours than national banks — many close at 4 p.m. on weekdays and do not open on Saturday. Some credit unions are part of shared branching networks, which means you can visit a different credit union's branch to conduct business. Check your credit union's website or call ahead to confirm hours.
Community banks and regional banks vary widely. Some open as early as 7:30 a.m. or stay open until 6 p.m. Others keep traditional 9 a.m. to 5 p.m. hours. Always check the specific branch rather than assuming.
Frequently Asked Questions
Can I deposit a check on Sunday?
Most banks are closed on Sunday, but you can use an ATM to deposit a check 24/7. The deposit is processed the next business day, which is Monday. Mobile deposit through your bank's app also works on Sunday and is often faster than an ATM deposit.
What time do banks stop accepting deposits?
Most banks stop accepting deposits at 2 p.m. or 3 p.m. on weekdays for same-day processing. Deposits made after that time are credited the next business day. ATM and mobile deposits do not have a cutoff time — they are processed the next business day regardless of when you submit them.
Are banks open on federal holidays?
No, banks are closed on federal holidays including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas. Any refund or payment scheduled for a holiday typically arrives the day before or after, depending on the bank and payment method.
How do I find my bank's phone support hours?
Log into your bank's website or app and look for "Contact Us" or "Customer Service." The phone number and hours are listed there. Many banks offer phone support until 8 p.m. or 9 p.m. on weekdays and limited weekend hours.
Do online banks have different hours than brick-and-mortar banks?
Online banks have no physical branches, so there are no branch hours. Customer service is available by phone or chat during set hours, usually 7 a.m. to 11 p.m. on weekdays. Deposits happen through ATMs, transfers, or mobile deposit, which work 24/7.