Most U.S. banks are open Monday through Friday from 9 a.m. to 5 p.m., but hours vary by branch and bank
Whether your bank is open right now depends on three things: what day it is, what time it is, and which specific branch you use. Large national banks like Bank of America, Chase, Wells Fargo, and Citibank follow similar schedules, but regional banks and credit unions often have different hours. Some branches open as early as 7 a.m. or stay open until 7 p.m., while others close at 3 p.m. or don't open on Saturday at all.
The fastest way to know if your bank is open today is to search "[Your Bank Name] hours" plus your city or zip code, or to call your specific branch directly. Most banks post their hours on their website and on Google Maps. If you need to deposit a check or withdraw cash and your branch is closed, ATMs are available 24/7 at most banks.
Key Takeaways
- Standard bank hours are Monday through Friday, 9 a.m. to 5 p.m., but individual branches vary widely.
- Saturday hours differ by bank and location — some open 9 a.m. to 1 p.m., others don't open Saturday at all.
- Banks are closed on federal holidays, including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
- ATMs work 24/7 for deposits, withdrawals, and balance checks even when the branch is closed.
- Calling your branch or checking your bank's website is faster and more accurate than a general search.
Standard weekday and weekend hours by bank type
National banks typically open at 9 a.m. Monday through Friday and close between 4 p.m. and 5 p.m. Some branches in busy areas or downtown locations stay open until 6 p.m. or 7 p.m. Weekend hours are less consistent: many branches open Saturday from 9 a.m. to 1 p.m., but some open until 3 p.m., and others don't open Saturday at all. Almost no banks open on Sunday, though a few credit unions in major cities may have limited Sunday hours.
Credit unions often have shorter hours than national banks — many close at 4 p.m. on weekdays and don't open on Saturday. Regional banks fall somewhere in between. If you bank with a smaller institution, assume 9 a.m. to 4 p.m. Monday through Friday unless you have checked their specific schedule.
Federal holidays when all banks close
Banks are closed on all federal holidays, and this is the most common reason a branch that is normally open will be shut. The full list includes 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 Day (fourth Thursday in November), and Christmas Day (December 25).
If one of these holidays falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, they close on Monday. ATMs remain open on federal holidays, so you can still withdraw cash or deposit checks even if the branch is closed.
How to find your specific branch's hours right now
The most reliable method is to visit your bank's official website and use their branch locator tool. Enter your zip code or city, and the site will show you the address, phone number, and exact hours for each nearby branch. This information updates when hours change for holidays or staffing reasons.
You can also search your bank's name and "hours" on Google Maps, which displays the branch's current status (open, closed, or closing soon) and lists the full weekly schedule. If you are unsure whether today is a holiday or your branch has special hours, calling the branch directly is the fastest way to confirm — most banks answer within a few minutes during business hours.
What to do if your bank is closed
If you need to deposit a check or withdraw cash and your branch is closed, use an ATM. Most ATMs accept check deposits 24/7, and the funds typically appear in your account within one business day. Cash withdrawals are instant. If you need to speak with someone — to dispute a charge, open an account, or get a loan — you will have to wait until the branch reopens.
Many banks also offer phone banking and online banking for routine tasks like transferring money, paying bills, or checking your balance. If your issue requires a teller or manager, note the branch's opening time and plan to call or visit then. Some banks have customer service phone lines that are staffed on weekends or holidays, though they cannot process all transactions.
Extended hours and weekend banking options
A small number of bank branches in major cities stay open later than 5 p.m. on weekdays or open on Sunday. Chase, Bank of America, and Wells Fargo occasionally have branches with extended hours, but this is rare and location-specific. Check your bank's website or call ahead if you need evening or weekend access to a teller.
If your bank does not have extended hours in your area, consider opening an account with an online bank or credit union that offers phone support on weekends. Some online banks have partnerships with ATM networks that let you withdraw cash at thousands of locations nationwide, even if you cannot visit a physical branch.
Frequently Asked Questions
Are banks open on Saturday?
Most banks open on Saturday from 9 a.m. to 1 p.m., but many close on Saturday entirely. Check your specific branch's website or call to confirm. ATMs are always available on Saturday.
What time do banks close today?
Standard closing time is 4 p.m. to 5 p.m. Monday through Friday, but some branches close at 3 p.m. and others stay open until 6 p.m. or 7 p.m. Search your bank's name and location online or call your branch to see the exact time.
Can I deposit a check if the bank is closed?
Yes. Most ATMs accept check deposits 24/7. The check will be processed and the funds will appear in your account within one business day, even if you deposit it after hours or on a weekend.
Is my bank open on Thanksgiving or Christmas?
No. All banks are closed on Thanksgiving and Christmas. They are also closed on other federal holidays like Independence Day, Labor Day, and New Year's Day. ATMs remain open on all holidays.
How do I know if my bank is open right now?
Search your bank's name plus your city on Google Maps, or visit your bank's website and use their branch locator. Both show current hours and whether the branch is open now. You can also call your branch directly.