Most banks are closed on weekends and federal holidays, and open Monday through Friday from 9 a.m. to 5 p.m., though hours vary by branch and bank

Whether your bank is open today depends on three things: what day of the week it is, whether a federal holiday falls today, and the specific hours your branch keeps. Major banks like Chase, Bank of America, Wells Fargo, and Citibank follow the same basic pattern — closed Saturday and Sunday, closed on federal holidays like Thanksgiving and Christmas, and open weekdays during standard business hours. But "standard" is not the same everywhere. A Chase branch in a downtown office building might close at 3 p.m., while one in a shopping center stays open until 6 p.m. or later.

The fastest way to know if your bank is open right now is to search "[Your Bank Name] hours near me" on Google Maps or your bank's website. Google will show you the exact hours for your specific branch, whether it is open today, and how long until it closes. Your bank's mobile app usually has the same information under a "Locations" or "Find a Branch" tab. If you are looking ahead to tomorrow or next week, the same tools will show you those hours too.

Key Takeaways

  • Most bank branches are open Monday through Friday from 9 a.m. to 5 p.m., but hours vary by location and bank.
  • All banks close on federal holidays including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
  • Google Maps and your bank's website show the exact hours for your specific branch in seconds.
  • Many banks now offer Saturday hours at certain locations, and nearly all offer 24/7 access to ATMs and mobile banking.
  • If you need to deposit a check or withdraw cash outside branch hours, ATMs and mobile deposit are available around the clock.

Federal holidays when all banks close

Banks close on the same federal holidays every year. These are: 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. Some banks also close on the day after Thanksgiving, though this is less common. If you are unsure whether today is a bank holiday, your bank's website will show it clearly — the branch locator will say "Closed" rather than listing hours.

How to check your specific branch's hours right now

Open Google Maps on your phone or computer and search "[Bank Name] near me" — for example, "Chase near me" or "Bank of America near me." The results will show every branch within a few miles, and each one will display today's hours in green text if open, or "Closed" in red if not. Click on your branch to see the full weekly schedule, phone number, and address. This method works for any bank.

Alternatively, go directly to your bank's website and look for a "Find a Branch" or "Locations" link, usually in the footer or top menu. Enter your zip code or city, and the site will show you nearby branches with their hours. Most banks also include this information in their mobile app — open the app, tap "Locations" or "Branches," and search for your branch. The app will often show whether the branch is open right now and how many minutes until it closes.

Saturday hours and extended weekday hours

Not all banks are closed on Saturday. Many large banks now open select branches on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Smaller regional banks and credit unions are more likely to have Saturday hours than national chains, though this varies by location. Some branches stay open until 6 p.m. or 7 p.m. on weekdays, especially in urban areas or shopping centers. The only way to know what your branch offers is to check the hours for that specific location.

If your branch does not have Saturday hours, you can still deposit checks and withdraw cash 24/7 using an ATM. Most banks also offer mobile deposit through their app, which lets you photograph a check and deposit it without visiting a branch at all. These options mean you do not have to wait for the branch to open if you need to handle basic banking tasks.

What to do if you need banking services outside branch hours

If your branch is closed and you need cash, use an ATM. Your bank's ATM is free, and most banks have thousands of them nationwide. If you need to deposit a check, use mobile deposit through your bank's app — photograph the front and back of the check, and it will be processed within one or two business days. If you need to speak to someone, call your bank's customer service line, which is usually open 24/7 and can handle many issues over the phone.

For wire transfers, bill payments, account changes, or other transactions that require a teller or banker, you will need to wait for the branch to open. If you are in a time crunch, some banks offer video banking through their app or website, where you can speak to a banker in real time during extended hours — check your bank's website to see if this is available. Credit unions often have shared branching networks that let you use another credit union's branch if yours is closed.

Planning ahead for bank visits

If you know you need to visit a branch tomorrow or later this week, check the hours now so you do not make a wasted trip. Keep in mind that branches can have shorter hours on certain days — some close at 3 p.m. on Fridays, or open later on Mondays. If you are traveling or moving to a new area, search for branches near your destination and note their hours before you arrive. Saving the branch location in Google Maps or your bank's app makes it easy to find the address and hours when you need them.

If you regularly need to visit your bank and the current hours do not work for you, consider switching to a bank with better hours or one that offers more online and mobile banking options. Many banks now let you handle most tasks without visiting a branch at all — opening accounts, transferring money, paying bills, and depositing checks can all be done through an app or website.

Frequently Asked Questions

Are banks open on Sundays?

No. All banks are closed on Sundays. Some banks open on Saturday mornings, but this varies by location. Check your specific branch's hours on Google Maps or your bank's website to see if Saturday hours are available near you.

What time do banks usually close?

Most banks close at 5 p.m. on weekdays, but hours vary. Some close as early as 3 p.m., while others stay open until 6 p.m. or later. Check your branch's hours online — they are different for every location.

Can I deposit a check if the bank is closed?

Yes. Use mobile deposit through your bank's app to photograph and deposit a check anytime, day or night. You can also use an ATM to deposit checks at most banks, though not all ATMs accept deposits. Check your bank's app or website to see which ATMs near you have deposit capability.

Do banks close early on holidays?

No. Banks are fully closed on federal holidays — they do not open for shortened hours. If a holiday falls on a weekend, the bank closes on the nearest weekday instead (Friday if the holiday is Saturday, Monday if it is Sunday).

What if I need to talk to someone and the branch is closed?

Call your bank's customer service line, which is open 24/7 for most major banks. You can also use video banking through your bank's app or website if available, or wait until the branch opens. For urgent issues, ATMs and mobile banking can handle many common tasks without speaking to anyone.