Most banks open at 9 a.m. and close at 5 p.m. on weekdays, but your bank may differ
The standard business hours for most large banks are 9 a.m. to 5 p.m. Monday through Friday, with shorter Saturday hours (usually 9 a.m. to 1 p.m.) and closed Sundays. However, your specific bank's hours depend on the branch location, the bank's policies, and whether today is a holiday. A Chase branch in one city may have different hours than a Chase branch ten miles away. Credit unions, regional banks, and online-only banks often run different schedules entirely.
The fastest way to find out is to search "[Your Bank Name] hours" plus your city or zip code, or call the branch directly. Most banks display hours on their website's branch locator tool, on Google Maps, or on their mobile app. If you are looking for a specific service — like speaking to a loan officer or visiting the safe deposit box area — some banks have limited hours for those services even when the main branch is open.
Key Takeaways
- Standard bank hours are 9 a.m. to 5 p.m. weekdays and 9 a.m. to 1 p.m. Saturdays, but individual branches vary.
- Use your bank's website branch locator, Google Maps, or call the branch directly to confirm today's hours.
- Holiday schedules change bank hours, so check before visiting on or near a federal holiday.
- Some services like safe deposit boxes or loan consultations may have shorter hours than the main branch.
- Online banks and credit unions often have different hours or no physical branches at all.
How to find your bank's hours right now
The most reliable source is your bank's official website. Go to the branch locator tool, enter your address or zip code, and click on your branch. The hours should appear on the branch details page, along with phone number, address, and services offered. This information updates when the bank changes its schedule.
Google Maps is another quick option. Search your bank name and location, and the hours appear in the right panel — usually showing today's hours first, with a link to see the full weekly schedule. Google pulls this data from the bank's official listing, so it is generally current.
If you want to be certain, call the branch directly. The phone number is on the website or in Google Maps. A staff member can confirm today's hours, tell you if the branch is open on a holiday, and let you know if a service you need has different hours than the main branch.
Why bank hours change and what affects them
Federal holidays close most banks. These include 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. Some banks also close on Good Friday. If today is near one of these dates, check your bank's holiday schedule on its website.
Individual branches may also have different hours based on location and staffing. A downtown branch in a major city might stay open until 6 p.m., while a suburban branch closes at 5 p.m. Some branches open earlier or later to serve their community. A branch in a grocery store may follow store hours instead of standard bank hours.
Weather and emergencies can also change hours. If a branch loses power or faces a natural disaster, it may close temporarily. Banks usually post these closures on their website and social media, so check there if something seems unusual.
Different hours for different types of banks
Large national banks like Chase, Bank of America, Wells Fargo, and Citibank typically operate 9 a.m. to 5 p.m. weekdays and 9 a.m. to 1 p.m. Saturdays, though branches vary. Some urban branches stay open until 6 p.m.
Credit unions often have shorter hours than banks. Many open at 9 a.m. and close at 4 p.m. or 5 p.m. on weekdays, with limited or no Saturday hours. Check your credit union's website for the exact schedule.
Online-only banks like Ally, Charles Schwab, and Discover have no physical branches. They operate through phone, email, and their website 24/7, though customer service hours may be limited on weekends and holidays.
Regional and community banks vary widely. Some keep traditional 9-to-5 hours, while others open earlier or close later. A few offer extended evening hours or Sunday service. Always check the specific branch.
What to do if the branch is closed
If your bank is closed today, you have several options depending on what you need. For deposits, use an ATM or mobile deposit (taking a photo of the check through the bank's app). For withdrawals, use an ATM or visit another branch of the same bank if one is open nearby.
For questions or account issues, call the bank's customer service line, which usually operates longer hours than branches — sometimes 24/7. Many banks also offer live chat on their website or app during extended hours.
If you need to speak to someone in person and the branch is closed, ask when it reopens and whether you can schedule an appointment for when it does. Some banks allow you to book a time slot in advance, which can save you a trip.
ATMs and after-hours banking
ATMs are available 24/7 at most banks, even when the branch is closed. You can withdraw cash, deposit checks (if your bank offers mobile deposit or ATM deposit), transfer money between accounts, and check your balance. ATM services do not require a teller or staff member.
Many banks also offer after-hours phone banking and mobile app access. You can pay bills, transfer money, check balances, and lock or unlock your debit card through these channels at any time. Some banks have video tellers at certain ATMs, allowing you to speak to a live person even outside branch hours.
Planning ahead for holiday closures and special hours
If you know you will need to visit your bank on or near a holiday, check the schedule at least a few days in advance. Most banks publish their holiday hours in November for the year-end holidays and in January for the rest of the year. You can find this information on the website or by calling the branch.
For time-sensitive needs — like depositing a check before a deadline or resolving an account issue — plan to visit during regular business hours on a weekday. Branches are usually less crowded early in the morning (around 9 or 10 a.m.) and late in the afternoon (after 4 p.m.), so you may spend less time waiting.
Frequently Asked Questions
Are banks open on Saturdays?
Most large banks open on Saturday 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 shorter Saturday hours or be closed entirely. Check your specific branch to confirm.
What time do banks close for lunch?
Most banks do not close for lunch. Tellers and staff rotate breaks, but the branch stays open during posted hours. Some very small community banks may close for an hour at midday, but this is rare.
Can I do banking outside of branch hours?
Yes. ATMs work 24/7, and most banks offer phone banking and mobile app access around the clock. You can deposit checks, withdraw cash, transfer money, and pay bills without visiting a branch.
Do banks close early on certain days?
Some branches close early on certain days, but this is not standard. Check your bank's website or call to see if your branch has different hours on any day of the week.
What happens if I need the bank on a holiday?
Branches are closed on federal holidays, but ATMs remain available. For urgent issues, call customer service or use the mobile app. If the matter can wait, visit the branch the next business day.