Bank closing times depend on the day of the week and the branch
Most banks close between 4 p.m. and 6 p.m. on weekdays, but the exact time varies by bank and location. Some branches stay open until 7 p.m. or later on certain weekdays. On Saturdays, banks typically close between 12 p.m. and 2 p.m., and most are closed on Sundays entirely. The fastest way to find your branch's hours is to search the bank's name plus "hours" on Google Maps or call the branch directly.
If you need to deposit money or withdraw cash after hours, most banks offer ATMs that work 24/7. Some banks also let you deposit checks through mobile apps or ATMs without visiting a teller. For time-sensitive transactions like wire transfers or loan applications, you'll need to reach the branch before it closes.
Key Takeaways
- Weekday closing times are usually 4 p.m. to 6 p.m., but some branches stay open until 7 p.m. or later.
- Saturday hours are typically 9 a.m. to 12 p.m. or 2 p.m., and most banks are closed on Sundays.
- Google Maps and the bank's official website show the exact hours for your specific branch location.
- ATMs and mobile check deposit work outside branch hours for basic transactions like deposits and withdrawals.
- Wire transfers, loan applications, and other services that require a teller must be completed during business hours.
How to find your bank's closing time right now
Open Google Maps on your phone or computer and search for your bank's name and branch location. The hours appear in a box on the right side of the screen, showing today's hours and the hours for the next several days. If the branch is currently open, it will say "Open now" in green. If it's closed, it will say "Closed" in red and show when it opens next.
You can also visit your bank's website directly. Most banks have a "Find a Branch" or "Locations" page where you enter your zip code or city and see all nearby branches with their hours. Call the branch directly if you want to confirm the hours before you go, especially on holidays when hours may change.
Typical weekday and weekend hours by bank type
| Bank Type | Weekday Hours | Saturday Hours | Sunday Hours |
|---|---|---|---|
| Large national banks (Chase, Bank of America, Wells Fargo) | 9 a.m.–5 p.m. or 9 a.m.–6 p.m. | 9 a.m.–1 p.m. or 9 a.m.–2 p.m. | Closed |
| Credit unions | 9 a.m.–5 p.m. or 9 a.m.–6 p.m. | 9 a.m.–12 p.m. or closed | Closed |
| Online banks (no physical branches) | No branch hours; ATM and app access 24/7 | No branch hours; ATM and app access 24/7 | No branch hours; ATM and app access 24/7 |
| Regional or community banks | 8:30 a.m.–5 p.m. or 9 a.m.–5:30 p.m. | 9 a.m.–12 p.m. or 9 a.m.–1 p.m. | Closed |
These are general patterns. Individual branches may have different hours, and some locations in busy areas or shopping centers may stay open later. Holiday hours also differ — most banks close on federal holidays like Thanksgiving, Christmas, and New Year's Day, even if they're normally open on that day of the week.
What you can do outside branch hours
ATM withdrawals and deposits: Available 24/7 at most banks. You can withdraw cash, deposit checks, and check your balance anytime. Some ATMs have daily limits on how much you can withdraw, typically $500 to $1,000.
Mobile check deposit: Many banks let you photograph a check with your phone and deposit it through the app without visiting an ATM or branch. The check clears within one to three business days. You'll need to sign the back of the check and write "For mobile deposit only" before taking the photo.
Online transfers: You can transfer money between your own accounts or to another person's account through the bank's website or app at any time. The transfer may take one to three business days to show up in the receiving account.
Bill pay: Schedule payments to creditors, utilities, or other payees through your online banking portal. The payment processes on the date you choose, even if the branch is closed.
Transactions that require the branch to be open
Some banking tasks can only be done with a teller or loan officer during business hours. Wire transfers must be initiated at the branch or through online banking before the branch closes, because the wire processes during business hours. If you miss the cutoff time (usually 2 p.m. or 3 p.m.), the wire won't go out until the next business day.
Loan applications, mortgage consultations, and account disputes also require speaking with a banker in person or by phone during business hours. If you need a cashier's check or certified check, you'll have to visit the branch — these can't be ordered through an ATM or app. Changing your account settings, reporting fraud, or disputing a transaction may require a phone call to customer service, which also operates during business hours.
Holiday closures and extended hours
Banks close on federal holidays including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday. On these days, branches are closed but ATMs remain open.
Some banks extend hours during busy seasons like tax time or the end of the month. Check your bank's website or call ahead if you're planning a visit on a day when you think hours might change. A few banks in major cities or shopping centers stay open until 7 p.m. or 8 p.m. on weekdays, but this is less common.
Frequently Asked Questions
Can I deposit a check after the bank closes?
Yes, through an ATM or mobile app. ATM check deposits are available 24/7 at most banks. Mobile check deposit through your phone app also works anytime — photograph the check, sign the back, and submit it through the app. The check will clear within one to three business days.
What time do banks close on Friday?
Most banks close between 4 p.m. and 6 p.m. on Friday, the same as other weekdays. Some branches stay open until 7 p.m. Check your specific branch's hours on Google Maps or the bank's website, because times vary by location and bank.
Are banks open on Saturday?
Some banks are open on Saturday, usually from 9 a.m. to 12 p.m. or 2 p.m., but many are closed. Credit unions and online banks may have different Saturday hours or no Saturday hours at all. Search your branch on Google Maps to see if it's open this Saturday.
Can I wire money after the bank closes?
You can request a wire through online banking after hours, but it won't process until the next business day. Most banks have a wire cutoff time between 2 p.m. and 3 p.m. If you miss that time, the wire goes out the following business day. Call your branch to confirm the exact cutoff time.
What if I need to access my money on Sunday?
Use an ATM to withdraw cash or deposit checks 24/7. If you need to speak with someone at the bank, you'll have to wait until Monday. For urgent issues, call the bank's customer service line — many banks have phone support on weekends, though not all.