Most banks open at 9 a.m. and close between 4 and 6 p.m. on weekdays
Standard bank hours in the United States are Monday through Friday, 9 a.m. to 5 p.m., though many branches stay open until 6 p.m. Some banks open as early as 8 a.m., and a few close as early as 4 p.m. Saturday hours vary widely — some branches open 9 a.m. to 1 p.m., others 9 a.m. to 3 p.m., and some do not open Saturday at all. Most banks are closed on Sunday, though a handful of branches in major cities offer Sunday hours.
The hours you see posted at your branch may not match the hours at another branch of the same bank across town. Chain banks like Bank of America, Wells Fargo, and Chase set different hours for different locations based on foot traffic and staffing. Your specific branch's hours are the only ones that matter for your visit.
Holiday schedules also change bank hours. Banks close on federal holidays — 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. If you need to visit on or near a holiday, call ahead or check the bank's website to confirm whether your branch will be open.
Key Takeaways
- Standard weekday hours are 9 a.m. to 5 p.m., but many branches stay open until 6 p.m., and hours vary by location.
- Saturday hours range from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. at branches that open at all; most banks are closed Sunday.
- The fastest way to find your branch's exact hours is to search the bank's name plus your city on Google or visit the bank's website locator tool.
- Banks close on all federal holidays, so plan ahead if you need to visit around New Year's, Thanksgiving, Christmas, or other major holidays.
- Drive-through windows often stay open 30 minutes to an hour after the lobby closes, and ATMs are available 24/7.
How to find your branch's hours online
The fastest way to find your branch's hours is to search Google for "[Bank Name] hours near me" or "[Bank Name] [Your City]". Google will display the branch address, phone number, and current hours in a box at the top of the search results. If the branch is currently open or closed, Google will tell you that too.
You can also visit the bank's official website and use their branch locator tool. Most major banks have a "Find a Branch" or "Locations" link on their homepage. Enter your zip code or city, and the tool will show all nearby branches with their hours listed. Some banks also show whether the branch offers services like coin counting, safe deposit boxes, or mortgage consultants.
If you cannot find the hours online, call the branch directly. The phone number is usually listed in the Google result or on the bank's website. A staff member can tell you the exact hours and whether the service you need is available at that location.
Drive-through and ATM hours are different from lobby hours
Drive-through windows typically stay open 30 minutes to an hour after the lobby closes. If the lobby closes at 5 p.m., the drive-through may stay open until 5:30 or 6 p.m. Some banks extend drive-through hours on weekdays to serve people who cannot visit during regular business hours. Check your bank's website or call to confirm your branch's drive-through schedule, because it is not always posted clearly.
ATMs are available 24 hours a day, 7 days a week at most banks. You can withdraw cash, deposit checks (at banks with mobile deposit or ATM check deposit), transfer money, and check your balance at any time. However, deposits made after a certain time — usually 8 or 9 p.m. — may not post to your account until the next business day.
What to do if you need banking services outside regular hours
If you need to deposit a check or withdraw cash outside your branch's hours, use an ATM. Most ATMs accept check deposits, and the transaction is instant. If your bank does not have an ATM near you, look for a bank in the same network — many banks belong to shared ATM networks like Allpoint, MoneyPass, or CO-OP that let you use other banks' ATMs without a fee.
If you need to speak to a person outside regular hours, many banks offer phone banking or online chat support. Call the number on the back of your debit card or visit the bank's website to see what hours customer service is available. Some banks offer 24/7 phone support for account questions, though complex issues may need to wait until the branch reopens.
Online banking lets you transfer money between accounts, pay bills, and manage your account at any time. If you do not have online banking set up, you can usually register on the bank's website or app in minutes using your account number and debit card.
Banks with extended or unusual hours
A few banks and credit unions offer extended hours to serve working people. Some branches in major cities open as early as 7 a.m. or stay open until 7 or 8 p.m. on weekdays. A small number of banks in New York City, Los Angeles, and other large cities open on Sunday afternoons. These are exceptions, not the rule.
Online banks like Ally, Charles Schwab, and Marcus do not have physical branches, so there is no lobby or drive-through. All banking happens by phone, website, or app. If you need to deposit a check, you can use mobile deposit through the bank's app, which lets you photograph the check and submit it from home.
Credit unions often have different hours than banks. Some credit unions open earlier or stay open later than traditional banks, and a few offer Saturday and Sunday hours. If you are a credit union member, check your institution's website or call to confirm hours before you visit.
Holiday closures and special schedules
Banks close on these federal holidays: 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), 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), and Christmas Day (December 25).
Some banks also close on Good Friday (the Friday before Easter), though this is not a federal holiday. If a federal holiday falls on a Saturday or Sunday, banks are typically closed on the nearest weekday instead. For example, if Christmas falls on a Saturday, many banks close on Friday instead.
During the week of Thanksgiving and Christmas, some branches may have reduced hours or close early. If you need to visit during the holiday season, check your bank's website or call ahead to confirm the schedule.
Frequently Asked Questions
Are banks open on Saturday?
Some branches are open Saturday, usually from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m., but many are closed. Hours vary by location and bank. Search your branch on Google or the bank's website to see if Saturday hours are available at your location.
Can I deposit a check after the bank closes?
Yes, if your bank has an ATM that accepts check deposits, you can deposit 24/7. The check will be processed the next business day. If your bank offers mobile deposit through its app, you can photograph and submit the check from home at any time.
What time do banks close on Friday?
Most banks close at 5 or 6 p.m. on Friday, the same as other weekdays. Some branches close as early as 4 p.m. or as late as 7 p.m. Check your specific branch's hours online or by phone, because times vary.
Do banks open earlier on any day of the week?
A few branches open at 8 a.m. instead of 9 a.m., but this is not common. Most banks stick to 9 a.m. opening time across all weekdays. Check your branch's posted hours to see if an earlier opening is available.
What should I do if I need to visit the bank but it's closed?
Use an ATM to withdraw cash or deposit checks. Call the bank's customer service line to handle account questions or transfers. For complex issues, you may need to wait until the branch reopens or visit during extended hours if your location offers them.