Most banks are closed on weekends and federal holidays, but some branches and online services stay open
Whether a bank is open today depends on the day of the week, the holiday calendar, and the specific branch. Most traditional bank branches operate Monday through Friday, 9 a.m. to 5 p.m., with reduced hours on Saturday and no in-person service on Sunday. However, ATMs and online banking work around the clock. If you need to speak to someone or deposit a check in person, you'll need to check your bank's actual hours — they vary by location and by bank.
The fastest way to find out is to search "[Your Bank Name] hours near me" on Google Maps or your bank's website. You can also call the branch directly or use your bank's mobile app, which usually shows hours for every location. If today is a federal holiday — like Thanksgiving, Christmas, New Year's Day, or Independence Day — most banks will be closed even if it falls on a weekday.
Key Takeaways
- Most bank branches are open Monday through Friday during business hours, with Saturday hours at some locations and no Sunday service.
- Google Maps and your bank's website show the exact hours for your nearest branch, updated in real time.
- Federal holidays close almost all bank branches, even if the holiday falls on a weekday.
- ATMs and online banking are available 24/7, so you can transfer money, check balances, and pay bills any time.
- Credit unions and online-only banks may have different hours than traditional banks, so check before you go.
How to check your bank's hours right now
Open Google Maps on your phone or computer and search for your bank by name. The branch locations will appear on the map with hours listed directly below the address. If the branch is open today, it will say "Open now" in green. If it's closed, it will show the next time it opens. This method works for every major bank and most regional ones.
Alternatively, go to your bank's official website and look for a "Locations" or "Find a Branch" link. Enter your zip code or city, and the site will show you nearby branches with their hours. Many banks also display hours in their mobile app — open the app, tap "Locations" or "Branches," and select the one closest to you.
If you're in a hurry, call the branch directly. The phone number is on Google Maps, your bank's website, or your debit card. A staff member can tell you immediately whether they're open and how long they'll be open today.
Federal holidays when banks close
Banks observe these federal holidays and close all branches:
- 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)
- Christmas Day (December 25)
If a holiday falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, they close on Monday. The Federal Reserve publishes the official holiday schedule each year, and all banks follow it.
What you can do when the branch is closed
You don't need a branch to handle most banking tasks. ATMs let you withdraw cash, deposit checks, and transfer money between your own accounts 24/7. Online banking through your bank's website or app lets you pay bills, send money to other people, check your balance, and dispute charges at any time of day or night.
If you need to deposit a check and the branch is closed, use mobile check deposit through your bank's app — you photograph the front and back of the check, and the bank processes it within one or two business days. Many banks also offer check deposit through ATMs that scan the check on the spot.
For questions that require a person, most banks offer phone support during business hours and some offer chat or email support around the clock. Check your bank's website or app to see what support options are available to you.
Differences between bank types
Traditional banks (Chase, Bank of America, Wells Fargo, etc.) typically open at 9 a.m. on weekdays and close at 5 p.m., with some Saturday hours. Hours vary by location.
Credit unions often have different hours than banks. Some open earlier or stay open later, and some offer Saturday service. Check your specific credit union's website or call ahead.
Online-only banks (Ally, Charles Schwab, etc.) have no physical branches. You handle everything through their app or website, and customer service is available by phone or chat during their posted hours — usually extended beyond traditional bank hours.
If you use a smaller regional bank or credit union, its hours may not show up on Google Maps. Call the branch directly or check the institution's website.
What to do if you need cash or a service right now
If it's after hours and you need cash, find an ATM. Most ATMs are available 24/7, though some are inside bank lobbies that close at night. ATMs at convenience stores, grocery stores, and gas stations are usually accessible around the clock. You may pay a fee if you use an ATM outside your bank's network — typically $1 to $3 per transaction.
If you need to deposit a check, use your bank's mobile app to deposit it by photo, or wait until the branch opens tomorrow. Checks deposited after 2 p.m. on a business day usually don't post until the next day anyway.
If you need to send money to someone urgently, use your bank's online transfer service or a money transfer app like Venmo, PayPal, or Square Cash. These work 24/7, though the money may take a few hours or until the next business day to arrive depending on the service and the recipient's bank.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 2 p.m., but not all locations offer Saturday service. Check your specific branch on Google Maps or your bank's website to see if it's open this Saturday. ATMs and online banking are always available.
What time do banks close on weekdays?
Most banks close at 5 p.m. on weekdays, though some stay open until 6 p.m. or later. A few branches in busy areas may have extended hours. Check your branch's hours on Google Maps or your bank's website — hours vary by location.
Can I deposit a check on Sunday?
You can deposit a check on Sunday using your bank's mobile app if it offers mobile check deposit, or by using an ATM that accepts check deposits. The check will be processed when the bank reopens on Monday. In-person deposits at a branch require waiting until Monday.
Do banks close early on holidays?
Banks close completely on federal holidays, not just early. They are not open at all on days like Thanksgiving, Christmas, or Independence Day. Plan ahead if you need to visit a branch on or near a holiday.
Can I use my bank's services if the branch is closed?
Yes. ATMs work 24/7, and online banking through your app or website is always available. You can transfer money, pay bills, check your balance, and deposit checks by photo any time. Phone and chat support hours vary by bank — check your bank's website to see when customer service is available.