Check your bank's website or call their main number
The fastest way to know if your bank is open today is to visit their website and look for "hours" or "locations." Most banks list their branch hours on the homepage or in a dedicated section. If you know which branch you need, search for that specific location — hours vary by branch, and a downtown location may stay open later than a suburban one.
If you can't find hours online, call your bank's main customer service number. The phone menu usually tells you whether branches are open before you speak to anyone. This takes less than a minute and works even if their website is slow or outdated.
For banks with many branches, Google Maps is often faster than the bank's own site. Search "[Bank name] near me" and the results show hours for each location, real-time status (open now / closed), and phone numbers.
Key Takeaways
- Most banks close at 5 or 6 p.m. on weekdays and do not open on Sundays, though some branches have Saturday hours.
- Holiday closures vary by bank and by holiday — federal holidays like Thanksgiving and Christmas always close branches, but some banks also close on regional holidays.
- Your bank's website, a Google search, or a phone call to the main number will tell you the exact hours for your specific branch today.
- If you need cash or to deposit a check and the branch is closed, ATMs and mobile deposit work 24 hours.
Standard bank hours and what changes them
Most bank branches open between 8 and 10 a.m. on weekdays and close between 4 and 6 p.m. Saturday hours, when available, are usually 9 a.m. to 1 or 2 p.m. Banks do not open on Sundays except for a small number of branches in major cities, and those hours are limited.
Holiday schedules are the main reason hours change. All banks close on federal holidays: 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 Good Friday or other regional holidays depending on where they operate.
Weather and emergencies can close branches without notice. If a storm or power outage affects your area, call ahead rather than making a trip. Banks also occasionally close a branch for renovations or staffing changes — their website usually posts this information a few weeks in advance.
How to find hours for a specific branch
If you bank with a large national chain like Bank of America, Chase, Wells Fargo, or Citibank, go to their main website and use the branch locator tool. Enter your zip code or address and the tool shows every nearby branch with its hours, address, and phone number. This is the most reliable method because it pulls directly from the bank's system.
For smaller regional or local banks, the branch locator may be less detailed. In that case, call the main number and ask for the hours of your specific branch. Have your branch name or address ready so they can give you accurate information without confusion.
Credit unions work the same way — visit their website or call to confirm hours. Some credit unions have fewer branches and more limited hours than banks, so checking ahead is especially important if you use a credit union.
What to do if your branch is closed
If you need to deposit a check, use your bank's mobile app to deposit it remotely. Most banks let you photograph the front and back of a check and submit it through the app within seconds. The funds usually appear in your account within one business day.
If you need cash, find an ATM. Your bank's ATM is free to use, and most banks have ATMs at multiple locations — grocery stores, gas stations, and other retail partners. If you use an out-of-network ATM, you may pay a fee, but it still works 24 hours.
If you need to speak to someone — to dispute a charge, ask about a loan, or handle something that requires a person — you can call customer service. Most banks have phone support during business hours, and some have 24-hour lines for urgent issues like fraud or lost cards.
Holiday closures and when to plan ahead
Banks close on all federal holidays. If a holiday falls on a weekday, branches are closed that day. If it falls on a weekend, banks close on the nearest weekday — usually the Friday before if the holiday is on Saturday, or the Monday after if it's on Sunday.
The holidays that most often affect banking are Thanksgiving (fourth Thursday in November), Christmas (December 25), and New Year's Day (January 1). If you need to handle banking on or around these dates, do it a day or two early. The day before a holiday is usually busy, so plan accordingly.
Some banks publish their full holiday schedule on their website at the start of the year. If you want to know the exact dates your bank will be closed, search "[Bank name] holiday hours" or call and ask them to email you the schedule.
Using online and mobile banking when branches are closed
Most banking tasks no longer require a branch visit. You can transfer money between accounts, pay bills, send money to other people, and check your balance through your bank's website or app at any time, day or night.
If you need to deposit cash (not a check), you may need a branch or ATM that accepts cash deposits. Not all ATMs do this — some only dispense cash. Your bank's app or website usually shows which ATMs near you accept deposits.
For questions that require a person, call customer service. Most banks have phone support during their branch hours, and many have extended hours or 24-hour lines for urgent problems like fraud, lost cards, or account lockouts.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open on Saturday, usually from 9 a.m. to 1 or 2 p.m., but not all. Check your specific branch's hours online or call ahead. Sunday hours are rare and only available at a small number of branches in major cities.
What time do banks close on weekdays?
Most branches close between 4 and 6 p.m. on weekdays, though some stay open until 7 p.m. Check your branch's hours online or call to confirm, because times vary by location and by bank.
Can I deposit a check if the bank is closed?
Yes. Use your bank's mobile app to deposit the check by photographing it. The funds usually appear in your account within one business day, and you can do this anytime, even at midnight.
Do banks close on all federal holidays?
Yes. All banks close on federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day. Some banks also close on regional holidays or Good Friday, so check your bank's holiday schedule if you're unsure.
What if I need cash and the bank is closed?
Use an ATM. Your bank's ATM is free and works 24 hours. If you use an out-of-network ATM, you may pay a fee, but you can still withdraw cash anytime.