Most major banks are closed on Saturdays, but some branches and credit unions stay open
The short answer: most national banks like Bank of America, Chase, Wells Fargo, and Citibank close on Saturday. However, many regional banks, credit unions, and online banks operate on Saturday mornings or afternoons. Your specific branch may differ from the national pattern, so checking directly is the only way to know for certain.
Saturday hours vary widely by bank, location, and branch. A Chase branch in one city might be open 9 a.m. to 1 p.m. on Saturday while another Chase branch across town is closed entirely. Credit unions are more likely to offer Saturday hours than large national banks, though not all do.
If you need to handle banking on Saturday, you have options beyond walking into a branch: ATMs work 24/7 at most banks, mobile apps let you transfer money and pay bills, and many banks now offer Saturday phone or chat support even when branches are closed.
Key Takeaways
- Major national banks (Chase, Bank of America, Wells Fargo, Citibank) typically close on Saturday, though some branches in busy areas may have limited Saturday hours.
- Credit unions and smaller regional banks are more likely to be open on Saturday mornings or early afternoons than large national chains.
- The only reliable way to know your specific branch's Saturday hours is to call the branch directly, check the bank's website, or use Google Maps.
- ATMs, mobile banking apps, and online transfers work on Saturday even when branch locations are closed.
- If you need to speak with someone on Saturday, many banks now offer phone or chat support during limited hours even when physical branches are shut.
How to find your bank's Saturday hours
Start with the bank's official website. Most banks have a branch locator tool where you enter your zip code or address and see hours for that specific location. This is the most accurate source because it reflects what that individual branch actually does, not a corporate average.
If the website doesn't show Saturday hours clearly, call the branch directly. The phone number is usually on the locator page. A staff member can tell you immediately whether they're open Saturday and what time they close.
Google Maps is another quick check: search your bank name and location, and the hours appear in the right panel. Google pulls this data from the bank's own listings, so it's usually current, though it can lag by a day or two if a branch recently changed hours.
Which banks commonly open on Saturdays
Credit unions are your best bet for Saturday banking. Most credit unions operate on Saturday mornings, typically 9 a.m. to noon or 9 a.m. to 1 p.m. This is not universal — some credit unions close on Saturday — but it's far more common than at national banks.
Regional and community banks vary. Banks with strong local presence, especially in urban areas, are more likely to staff a Saturday shift than banks with only a few branches. Examples include local savings banks, community banks, and some regional chains, but you cannot assume any specific bank does this without checking.
Online banks like Ally, Charles Schwab, and Discover have no physical branches, so the question of Saturday hours doesn't apply to them. You handle everything through their app or website, which operates around the clock.
What you can do on Saturday without visiting a branch
ATM withdrawals and deposits work on Saturday at virtually every bank. Most ATMs accept cash deposits and dispense cash 24 hours a day, seven days a week. Deposits made at an ATM on Saturday may not post to your account until Monday, depending on your bank's processing schedule.
Mobile banking apps let you transfer money between your own accounts, send money to other people (through services like Zelle or your bank's own transfer tool), and pay bills on Saturday. These transactions usually process on the next business day, but the action itself happens immediately through the app.
Many banks now offer Saturday phone support or live chat, even when branches are closed. Check your bank's website or app to see whether Saturday customer service is available. Hours are often limited — perhaps 9 a.m. to 2 p.m. — but this can solve problems without waiting until Monday.
What you cannot do on Saturday at a closed branch
You cannot cash a check at a closed branch, though some banks let you deposit checks through ATMs or mobile apps (you photograph the check with your phone). Cashing a check typically requires a teller, so you'll need to wait for Monday or find a branch that's open Saturday.
You cannot open a new account at a closed branch. Account opening usually requires a conversation with a banker and verification of your identity, which cannot happen through an ATM or app. If you need a new account urgently, some banks let you start the process online and complete it in a branch on Monday.
You cannot get a cashier's check or money order at a closed branch. These require a teller to issue and sign. If you need one on Saturday, you may be able to get a money order at a grocery store, pharmacy, or post office instead.
Saturday hours at the largest U.S. banks
| Bank | Saturday Branch Hours | Notes |
|---|---|---|
| Chase | Closed at most branches | Some urban branches open 9 a.m.–1 p.m.; check your location |
| Bank of America | Closed at most branches | A few branches in major cities open 9 a.m.–1 p.m. |
| Wells Fargo | Closed at most branches | Limited Saturday hours at select locations only |
| Citibank | Closed at most branches | Check your specific branch; hours vary |
| U.S. Bank | Closed at most branches | Some branches in busy areas may have Saturday hours |
| Credit unions | Often 9 a.m.–1 p.m. | Most credit unions open Saturday; verify with yours |
Frequently Asked Questions
Can I deposit a check on Saturday if the branch is closed?
You can deposit checks through an ATM or mobile app on Saturday at most banks. ATM deposits post to your account by Monday morning. Mobile deposits (photographing the check with your phone) usually post within one business day. If you need the money immediately, you'll need to find a branch that's open Saturday or wait until Monday.
Do banks open on Sunday?
Almost no banks open on Sunday. A very small number of branches in major cities may have Sunday hours, but this is extremely rare. Check your bank's locator tool if you need Sunday banking, but plan on Monday as your default.
What if I need cash on Saturday and the branch is closed?
Use an ATM to withdraw cash 24/7. ATMs are available at your bank's locations, at other banks in the same network (if your bank is part of a shared ATM network), and at many retail stores, gas stations, and convenience stores. You may pay a fee if you use an ATM outside your bank's network.
Can I open a bank account on Saturday?
Most banks require you to open an account in person at a branch or through their website. If your bank lets you open online, you can start the process on Saturday and complete verification on Monday. If your bank requires an in-person visit, you'll need to go to a branch during the week or find one open Saturday.
Do online banks have Saturday hours?
Online banks don't have physical branches, so the question of Saturday hours doesn't apply. You can use their app or website 24/7, including Saturday. Customer support hours may be limited on weekends, so check before you need help.