Most banks follow the same schedule, but hours vary by location and day
Whether a bank is open tomorrow depends on three things: the day of the week, whether it's a federal holiday, and the specific branch location. Large national banks like Chase, Bank of America, Wells Fargo, and Citibank typically open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., but some branches stay open until 7 p.m. or later. Saturday hours are usually 9 a.m. to 1 p.m. or 2 p.m., and most banks are closed on Sundays. Credit unions and smaller regional banks may have different schedules entirely.
The fastest way to check is to search the bank's name plus "hours" on Google Maps or go directly to the bank's website and enter your zip code. Both methods show you the exact hours for your nearest branch. If tomorrow is a federal holiday — Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, or New Year's Day — most banks will be closed, though some branches in certain states may have different observance dates.
Key Takeaways
- Most major banks open at 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., but hours vary by branch location.
- Google Maps and the bank's official website are the fastest ways to check tomorrow's hours for your specific branch.
- Banks are closed on Sundays and on federal holidays like Christmas, Thanksgiving, and New Year's Day.
- Credit unions and regional banks often have different hours than national chains, so check their websites separately.
- If you need to deposit money or handle transactions tomorrow and your bank is closed, ATMs and mobile banking are available 24/7.
How to check your bank's hours online
Go to Google Maps, type your bank's name, and search. The results page will show your nearest branches with their hours listed directly. Click on the specific branch address to see the full weekly schedule. This method works for any bank and takes less than a minute.
Alternatively, visit your bank's official website. Most have a "Find a Branch" or "Locations" section where you enter your zip code or city. The results show hours for each nearby branch. Some banks, like Chase and Bank of America, also let you filter by services available (like drive-through or safe deposit boxes) so you know what to expect when you arrive.
If you're banking with a credit union, use the same approach: search the credit union's name on Google Maps or visit their website. Credit union hours often differ from national banks, so don't assume they follow the same schedule.
What to do if your bank is closed tomorrow
If your bank is closed tomorrow and you need to deposit a check or withdraw cash, use the ATM. Most ATMs are available 24/7 and accept deposits through an envelope slot or a mobile deposit feature (if your bank offers it). Mobile deposit — where you photograph a check using your phone and submit it through the bank's app — is often faster than an ATM and works at any time.
For other transactions like opening an account, getting a cashier's check, or discussing a loan, you'll need to wait until the bank reopens. If the delay is urgent, call the bank's customer service line (usually on the back of your debit card or on their website) to see if they can help over the phone or direct you to a branch in a nearby city that may be open.
Some banks offer Saturday hours, so if tomorrow is a weekday and your branch is closed for a holiday, check whether a nearby branch is open on Saturday instead. A few banks also operate limited Sunday hours in select locations, though this is rare.
Federal holidays when most banks close
Banks observe the following federal holidays and are typically closed on these dates:
- 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)
Some banks may close on the day after Thanksgiving or on the day after Christmas if those days fall on a weekday. A few regional banks or credit unions may observe additional holidays based on state law or their own policies, so check your specific bank's holiday calendar on their website.
Differences between national banks, regional banks, and credit unions
National banks like Chase, Bank of America, Wells Fargo, and Citibank typically have consistent hours across most branches: 9 a.m. to 5 p.m. on weekdays, with some locations open until 6 p.m. or 7 p.m. Saturday hours are usually 9 a.m. to 1 p.m. or 2 p.m. These banks have thousands of branches, so you're likely to find one open even if your main branch is closed.
Regional banks — like PNC, TD Bank, Huntington, or local institutions — may have longer hours than national banks. Some TD Bank locations, for example, stay open until 8 p.m. on weekdays and open on Sundays. Regional banks often have fewer branches, so check your specific location's hours rather than assuming they match a neighboring branch.
Credit unions typically have shorter hours than banks: often 9 a.m. to 5 p.m. on weekdays and 9 a.m. to noon on Saturday, with no Sunday hours. However, many credit unions are part of shared branching networks, which means you can conduct basic transactions at other credit unions' branches even if yours is closed. Ask your credit union whether they participate in a shared branching network and where those locations are.
Using ATMs and mobile banking when branches are closed
ATMs let you withdraw cash, deposit checks (at most banks), transfer money between accounts, and check your balance at any time. If your bank is closed tomorrow, an ATM can handle most routine needs. Some ATMs charge a fee if you use a machine outside your bank's network, so look for your bank's logo on the machine to avoid extra charges.
Mobile banking through your bank's app or website is available 24/7 and lets you transfer money, pay bills, deposit checks by photograph, and monitor your account. If you need to send money to someone else, you can often do this through the app without visiting a branch. For transactions that require a teller — like getting a cashier's check, opening a new account, or discussing a mortgage — you'll need to wait for the branch to reopen.
Frequently Asked Questions
Are all bank branches open at the same time?
No. Different branches of the same bank can have different hours based on location and staffing. A downtown Chase branch may stay open until 7 p.m., while a suburban Chase branch closes at 5 p.m. Always check the hours for your specific branch on Google Maps or the bank's website rather than assuming all locations are the same.
What if I need to deposit a check and the bank is closed?
Use mobile deposit through your bank's app if available — photograph the check and submit it through the app, usually within minutes. If your bank doesn't offer mobile deposit, use an ATM that accepts check deposits (most do). The check will be processed when the bank reopens.
Do banks open on Saturday?
Most banks are open on Saturday, typically from 9 a.m. to 1 p.m. or 2 p.m., though hours vary by location. Some regional banks and credit unions may have different Saturday hours or be closed on Saturday. Check your specific branch's schedule online.
Will my bank be open if tomorrow is a holiday?
No. Banks close on federal holidays including Christmas, Thanksgiving, New Year's Day, Independence Day, and Labor Day. If tomorrow is a federal holiday, your bank will be closed, but ATMs and mobile banking will still work. Check your bank's website for their specific holiday schedule.
Can I do banking at a different branch if mine is closed?
Yes. If you bank with a national chain, you can visit any branch of that bank. If you're with a credit union, you may be able to use other credit union branches through a shared branching network. Call your bank or check their website to find nearby locations open tomorrow.