Most banks close at 5 or 6 p.m. on weekdays, but the exact time depends on your bank and branch

Bank closing times are not set by law—each bank decides when to close. The most common closing time is 5 p.m. or 6 p.m. on Monday through Friday, but some branches stay open until 7 p.m. or later, especially in cities or shopping centers. A few banks open on Saturday mornings and close by 1 p.m. or 2 p.m. Very few banks are open on Sunday, though some credit unions may be.

The fastest way to find your bank's hours is to search the bank's name plus "hours" on Google Maps, or call the specific branch directly. The main customer service number on your bank's website or debit card will also have branch hours. If you are planning to deposit a check or withdraw cash, knowing whether your branch closes at 5 p.m. or 6 p.m. matters—missing the cutoff by even a few minutes can push your transaction to the next business day.

Key Takeaways

  • Most bank branches close between 5 p.m. and 6 p.m. on weekdays, though some stay open later in urban or retail locations.
  • Google Maps, your bank's website, or a phone call to your branch are the most reliable ways to confirm today's or tomorrow's closing time.
  • Deposits made after the branch closes may not post until the next business day, even if you use an ATM or mobile app.
  • Saturday hours vary widely—some branches open at 9 a.m. and close by 1 p.m., while others are closed all weekend.
  • Banks are closed on federal holidays, and some branches may have shortened hours on the day before or after a holiday.

How to check your specific 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 will appear in a box on the right side of the screen, showing today's hours and a link to see the full week. If you do not have the exact branch address, search your bank's name plus your city.

If Google Maps does not show the hours or you want to confirm by phone, call your branch directly. The number is usually on your debit card, on your bank's website under "branch locator," or in your online banking app. A staff member can tell you today's closing time and whether the branch has any holiday hours this week.

Some banks also display hours on their mobile app. Log in, tap "Locations" or "Branches," find your branch, and the hours will appear. This method works even if you are not near a computer.

Why closing time matters for deposits and transfers

Banks process deposits and withdrawals during business hours only. If you deposit a check at an ATM after your branch closes, the deposit will not post until the next business day. The same is true for mobile check deposits—the timestamp is when you submit it, but the bank does not process it until the next morning after the branch opens.

Wire transfers and ACH transfers sent after closing time will also wait until the next business day to process. If you need money to move today, you must complete the transaction before the branch closes. This is why knowing the exact closing time—5 p.m. versus 6 p.m.—can make a real difference if you are cutting it close.

ATMs and online banking are available 24/7, but they do not speed up the processing time for deposits or transfers. The bank's internal systems still process everything during business hours only.

Weekend and holiday hours

Most bank branches are closed on Saturday and Sunday. Some larger branches or banks in busy areas open on Saturday from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., but this is not standard. Credit unions are more likely to have Saturday hours than traditional banks.

Banks are closed on federal holidays: 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. On the day before or after a holiday, some branches may have shortened hours. Check your bank's website or call ahead if you are planning to visit around a holiday.

What to do if you need to deposit money after hours

Use an ATM in your bank's lobby or at a partner location. Deposits made at an ATM are held until the next business day, but at least the money is in the system. Some banks credit ATM deposits the same day if you deposit before a certain time (often 9 p.m. or midnight), but this varies by bank and is not may provide.

Mobile check deposit through your bank's app is another option. Take a photo of the front and back of the check, submit it through the app, and the bank will process it the next business day. This works anytime, day or night, and is often faster than visiting an ATM.

If you need cash and the branch is closed, use any ATM from your bank's network or a partner bank. Most ATMs dispense cash 24/7, though some have daily withdrawal limits.

How bank hours differ by location and bank type

Large national banks like Bank of America, Chase, and Wells Fargo typically close at 5 p.m. or 6 p.m. on weekdays. Smaller regional banks and community banks may have different hours—some close earlier, around 4 p.m., while others stay open until 7 p.m. or 8 p.m. in downtown areas or malls.

Credit unions often have shorter hours than banks. Many close at 5 p.m. on weekdays and are closed on weekends, though some larger credit unions have extended hours. Online banks like Ally or Charles Schwab do not have physical branches, so there is no closing time—you handle everything through the app or website.

If you use multiple banks or credit unions, each one will have its own schedule. Checking the hours for each institution before you need to visit saves time and frustration.

Frequently Asked Questions

Can I deposit a check after the bank closes?

Yes, you can deposit at an ATM in the bank's lobby or use mobile check deposit through the app. Both methods hold the deposit until the next business day. Some banks credit ATM deposits the same day if deposited before 9 p.m., but check your bank's policy to be sure.

Are banks open on Saturday?

Most banks are closed on Saturday. Some larger branches in cities or shopping centers open from 9 a.m. to 1 p.m. or 2 p.m. on Saturday. Credit unions are more likely to have Saturday hours. Call your branch or check Google Maps to see if yours is open.

What happens if I try to withdraw money after the bank closes?

You can use an ATM to withdraw cash 24/7, as long as you have not hit your daily withdrawal limit. If you need to speak to a teller or handle a more complex transaction, you will have to wait until the branch opens the next business day.

Do banks close early on holidays?

Banks are completely closed on federal holidays. On the day before or after a holiday, some branches may have shortened hours or be closed as well. Check your bank's website or call ahead if you are planning to visit around a holiday.

How do I find my bank's hours if I just moved?

Search your bank's name plus your new city on Google Maps, or use the branch locator tool on your bank's website. Enter your zip code or address and the tool will show all nearby branches with their hours. You can also call the main customer service number on your debit card.