Most banks follow the same hours, but yours might not
Large national banks like Chase, Bank of America, Wells Fargo, and Citibank typically open at 9 a.m. and close at 5 p.m. on weekdays, with shorter Saturday hours (usually 9 a.m. to 1 p.m.) and closed Sundays. But your bank may have different hours depending on the branch location, the day of the week, and whether today is a federal holiday. The fastest way to know for certain is to search your bank's name plus "hours" on Google, call the branch directly, or check your bank's mobile app or website.
If you need to deposit a check, transfer money, or handle cash, knowing whether your branch is open matters. If you need to check your balance, pay a bill, or move money between your own accounts, you can do those things 24/7 through your bank's website or app, regardless of branch hours.
Key Takeaways
- Google search, your bank's website, or a phone call to the branch are the three fastest ways to confirm hours for today.
- Most large bank branches open at 9 a.m. on weekdays and close at 5 p.m., but credit unions and smaller regional banks often have different schedules.
- Federal holidays close most bank branches, even if the day falls on a weekday — check your bank's holiday calendar if today is near a holiday.
- You can handle most banking tasks online or through your mobile app at any time, even when the branch is closed.
How to find your bank's hours right now
Open Google and type your bank's name, the word "hours," and your city or zip code. Google will pull the branch location, phone number, and hours for today and the rest of the week. This works for national chains, credit unions, and local banks.
If Google does not show the information or you want to confirm, go directly to your bank's website. Most banks have a "Find a Branch" or "Locations" page where you can enter your zip code and see hours for each nearby branch. Some branches in the same city may have different hours, so make sure you are looking at the right location.
Call the branch directly if you are unsure. The phone number appears in Google results and on the bank's website. A staff member can tell you whether the branch is open now and when it closes today.
Why your bank might be closed today
Federal holidays close most bank branches. The main ones are 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. If today is one of these holidays or falls on a Monday after a holiday weekend, your branch is likely closed.
Some banks also close on regional or religious holidays. Check your bank's holiday calendar on its website to see the full list for your area.
Weather emergencies, power outages, or staffing issues can also close a branch without notice. If you cannot reach the branch by phone and the website does not say it is closed, try calling back in a few minutes or visiting a different branch nearby.
What you can do when the branch is closed
Most banking tasks do not require a physical branch. You can transfer money between your own accounts, pay bills, deposit checks through mobile check deposit, and check your balance through your bank's website or app at any time of day or night.
Mobile check deposit lets you photograph the front and back of a check and submit it through your bank's app. The funds usually appear in your account within one to two business days. This works for most personal checks and many business checks.
If you need cash and the branch is closed, use an ATM. Most banks own ATMs or belong to a network of ATMs you can use for free. If you need to deposit cash or handle a transaction that requires a teller, you will have to wait until the branch reopens.
Credit unions and smaller banks often have different hours
Credit unions frequently have shorter hours than national banks. Many open at 9 a.m. and close at 4 p.m. on weekdays, with limited Saturday hours or no Saturday service at all. Some credit unions close for lunch. Check your credit union's website or call ahead.
Regional and community banks vary widely. Some have extended hours (open until 6 or 7 p.m.) or Sunday hours, while others close at 3 p.m. Do not assume your smaller bank follows the same schedule as Chase or Bank of America.
What to do if you need cash or a teller service urgently
If the branch is closed and you need cash, find an ATM. Your bank's app or website usually has an ATM locator. You can withdraw up to your daily limit, which varies by bank but is often $500 to $1,000.
If you need to deposit cash or handle a transaction that requires a teller and the branch is closed, you have three options: wait until the branch reopens, visit a different branch that is open, or handle the task online if possible. Some banks let you set up bill payments or transfers through their website instead of visiting a teller.
If you bank with a large national chain, you may be able to visit any branch in the country, not just your home branch. Check your bank's website to see whether all branches share the same hours or whether hours vary by location.
Frequently Asked Questions
Are banks open on Saturdays?
Most large bank branches open on Saturday mornings, usually from 9 a.m. to 1 p.m., though some stay open until 2 or 3 p.m. Credit unions and smaller banks may have no Saturday hours or limited hours. Check your specific branch.
What time do banks close on weekdays?
Most national bank branches close at 5 p.m. on weekdays, though some close at 4 p.m. or stay open until 6 p.m. Credit unions often close at 4 p.m. Call your branch or check online to confirm.
Can I deposit a check after the branch closes?
Yes, through mobile check deposit on your bank's app. Photograph the front and back of the check and submit it through the app. The funds usually appear within one to two business days. You can also mail the check or deposit it at an ATM if your bank offers ATM check deposit.
Are banks open on federal holidays?
No, most bank branches close on federal holidays like Thanksgiving, Christmas, Independence Day, and Labor Day. Some banks may close the day after a holiday if it falls on a weekend. Check your bank's holiday calendar to be sure.
Can I do banking if the branch is closed?
Yes. You can transfer money, pay bills, check your balance, and deposit checks through your bank's website or app 24/7. You can also withdraw cash at an ATM. You only need a teller for tasks like depositing cash, getting a cashier's check, or handling disputes.