Citizen Bank branch hours vary by location, but most open at 9 a.m. on weekdays

Citizen Bank does not have a single opening time across all branches. Most locations open at 9 a.m. Monday through Friday, but some branches in high-traffic areas open earlier, and a few open later. Saturday hours typically start at 9 a.m. or 10 a.m., and most branches are closed on Sunday. The only way to know your specific branch's hours is to look it up by address.

If you need to deposit a check or withdraw cash outside branch hours, Citizen Bank ATMs are available 24/7. If you need to speak to someone — to dispute a charge, open an account, or discuss a loan — you will need to call during business hours or visit in person.

Key Takeaways

  • Most Citizen Bank branches open at 9 a.m. on weekdays, but hours vary by location and some branches open at 8 a.m. or later.
  • Saturday hours usually begin at 9 a.m. or 10 a.m.; most branches do not have Sunday hours.
  • You can find your branch's exact hours by searching for the address on Citizen Bank's website or calling the branch directly.
  • ATMs are available around the clock, but teller services and loan officers are only available during posted branch hours.

How to find your branch's opening time

Go to the Citizen Bank website and use the branch locator tool. Enter your zip code or city name, and the tool will show you every branch near you along with its address and phone number. Click on the branch you plan to visit, and you will see the full weekly schedule — opening and closing times for each day of the week.

If you do not have internet access, call the branch directly. The phone number appears in the locator tool, or you can call Citizen Bank's main customer service line and ask to be transferred to your local branch. A staff member can tell you today's hours and whether the branch will be open at the time you plan to visit.

Holiday closures and extended hours

Citizen Bank branches close on federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on additional holidays depending on the state or region. If you are planning a visit around a holiday, check the branch locator tool or call ahead — the website usually updates holiday schedules a week or two in advance.

A few Citizen Bank branches in major cities or shopping centers stay open later than 5 p.m. on weekdays or have extended Saturday hours. The branch locator tool will show you these hours if your location has them. If you see a branch listed with hours past 6 p.m., that branch is one of the extended-hours locations.

What you can do outside branch hours

Citizen Bank ATMs work 24 hours a day. You can deposit checks, withdraw cash, transfer money between accounts, and check your balance at any ATM in the Citizen Bank network. If you use an ATM outside the Citizen Bank network, you may be charged a fee — check your account terms to see what that fee is.

You can also bank online or through the Citizen Bank mobile app at any time. You can pay bills, transfer money, deposit checks by photograph, and view your account history without visiting a branch or calling during business hours. If you need to speak to a person outside branch hours, Citizen Bank offers phone support during extended hours — check your account statements or the website for the customer service number and its hours.

Planning a visit to deposit a refund check

If you are waiting for a tax refund, insurance refund, or other payment and want to deposit it in person, you do not need to wait for a branch to open. Most refund checks can be deposited at any ATM using the mobile app's check deposit feature, and the funds will post to your account within one or two business days. This is usually faster than visiting a teller.

If you prefer to deposit in person or if your check is damaged or unclear, visit during regular branch hours. Bring the check and your debit card or account number. A teller can deposit it immediately, and the funds will be available the next business day or sometimes the same day, depending on the time you deposit and your bank's processing schedule.

When to call instead of visiting

If you need to report a missing refund, dispute a charge, or ask about a payment status, calling is often faster than visiting a branch. Citizen Bank customer service can look up your account and answer questions about pending deposits without you having to travel. Call the number on the back of your debit card or the one listed on the Citizen Bank website.

For complex issues — opening a new account, applying for a loan, or discussing investment options — an in-person visit is usually necessary. In that case, knowing your branch's hours ahead of time saves a wasted trip. Some branches also allow you to schedule an appointment with a loan officer or account specialist, which guarantees someone will be available to help you at a specific time.

Frequently Asked Questions

Do all Citizen Bank branches open at the same time?

No. Most branches open at 9 a.m. on weekdays, but some open at 8 a.m. and others at 10 a.m. Use the branch locator tool on the Citizen Bank website to see the exact opening time for the location you plan to visit.

Is Citizen Bank open on Saturday?

Most branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though hours vary by location. Check your branch's schedule on the website or call to confirm before you go.

Can I deposit a refund check at a Citizen Bank ATM?

Yes. You can deposit checks at ATMs 24/7 using the Citizen Bank mobile app. Take a photo of the front and back of the check, and the deposit will post to your account within one or two business days.

What if I need to speak to someone outside branch hours?

Call Citizen Bank customer service using the number on the back of your debit card or on the website. They offer phone support during extended hours and can help with account questions, refund status, and dispute reporting without you having to visit a branch.