Most banks close at 5 or 6 p.m. on weekdays, stay closed all day Saturday and Sunday, and shut down on federal holidays

Bank hours vary by branch and by bank, but the standard pattern is Monday through Friday from 9 a.m. to 5 p.m., with some branches staying open until 6 p.m. or later. Every bank is closed on Saturdays and Sundays. 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 — all banks close for the full day.

The reason this matters for refunds: if you're waiting for a deposit to hit your account, it won't post on weekends or holidays, even if the bank's systems are processing it behind the scenes. A refund that arrives Friday evening may not show as available until Monday morning. One that arrives Saturday won't post until Monday. If a holiday falls on a weekday, nothing posts that day either.

Your specific branch may have different hours than the standard pattern. Some branches open at 8 a.m., some close at 4 p.m., and some stay open until 7 p.m. or offer Saturday hours. The only way to know your branch's exact schedule is to call the number on your bank card, check your bank's website, or look it up on Google Maps (which usually shows current hours).

Key Takeaways

  • Federal holidays are the main days banks close beyond weekends — refunds won't post on those days even if they arrive electronically.
  • Deposits made after your bank's cutoff time (usually 2 or 3 p.m.) won't post until the next business day.
  • Your branch's hours may differ from the standard 9 a.m. to 5 p.m., so check your bank's website or call before you go in person.
  • If you need cash or a service on a weekend or holiday, ATMs stay open 24/7, and some banks offer limited services through mobile apps or phone lines.

Federal holidays when all banks close

Banks observe ten federal holidays each year, plus one floating holiday (Juneteenth, observed on June 19). On these days, all bank branches close, and no deposits or transfers post. If a refund is scheduled to arrive on a federal holiday, it will post the next business day instead.

The full list: 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), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving (fourth Thursday in November), and Christmas (December 25). If any of these dates fall on a Saturday, most banks close on Friday instead. If one falls on a Sunday, most banks close on Monday.

Cutoff times for same-day posting

Even during business hours, a deposit won't post the same day if it arrives after your bank's cutoff time. Most banks have a cutoff between 2 p.m. and 3 p.m. for electronic transfers and ACH deposits. Anything that arrives after that cutoff posts the next business day.

This matters for tax refunds and other government payments sent by ACH (Automated Clearing House). If the IRS or your state sends your refund on a Thursday at 4 p.m., your bank receives it Thursday but won't post it to your account until Friday. If it arrives Friday at 4 p.m., it won't post until Monday (unless Monday is a holiday, in which case it's Tuesday).

Wire transfers have a different cutoff, usually around 5 p.m., but they're less common for refunds. Check your bank's website or call to confirm your branch's exact cutoff time.

Weekend and holiday deposit options

If you need to deposit a check or access cash on a Saturday, Sunday, or holiday, ATMs are available 24/7. You can deposit checks into most ATMs, and the deposit will post the next business day (or the day after if a holiday is in between). Cash withdrawals post immediately.

Some banks offer limited services through their mobile app on weekends and holidays — you can check your balance, transfer money between your own accounts, or pay bills. A few banks have customer service phone lines open on holidays, though they can't process deposits or transfers until the next business day.

If you need to speak to a person about a refund status on a weekend or holiday, you'll have to wait until the next business day. No bank processes refunds or resolves account issues outside business hours, even if you reach someone by phone.

How to find your branch's specific hours

The easiest way is to search your bank's name plus "hours" on Google Maps. The map will show your branch's address and current hours, including any weekend or holiday exceptions. You can also call the main number on your bank card and ask for your branch's hours, or visit your bank's website and use their branch locator tool.

Some branches have different hours than others within the same bank. A downtown branch might stay open until 6 p.m., while a suburban one closes at 5 p.m. A few branches offer Saturday hours. If you're planning to go in person, confirm the hours before you leave.

What to do if you need help on a weekend or holiday

If your refund hasn't arrived and you need to check on it over the weekend, use your bank's mobile app or website to see your account balance and recent deposits. Most banks show pending deposits in your account, so you can see if something is on the way.

If you're tracking a tax refund, the IRS's "Where's My Refund?" tool works 24/7 and updates once a day (usually overnight). You can check it anytime to see if your refund has been sent. For state refunds, most state tax agencies have a similar online tracker.

If your refund is late and you need to contact the issuing agency (IRS, state tax office, insurance company, or business), wait until the next business day. No government office or major company processes refund inquiries on weekends or federal holidays.

Frequently Asked Questions

Will my refund post if it arrives on a Saturday?

No. Deposits don't post on Saturdays or Sundays. If your refund arrives Saturday, it will post Monday morning (or Tuesday if Monday is a holiday). Your bank's systems may process it over the weekend, but you won't see it in your account until the next business day.

What time do banks close on weekdays?

Most branches close at 5 or 6 p.m., but some close earlier or stay open later. Check your specific branch's hours on Google Maps or your bank's website. Deposits made after the cutoff time (usually 2 or 3 p.m.) won't post until the next day.

Can I withdraw cash from my account on a holiday?

Yes, through an ATM. ATMs are open 24/7, even on holidays. You can withdraw cash or deposit checks anytime. The check deposit will post the next business day, but cash withdrawals are available immediately.

Do all banks close on the same holidays?

Yes. All federally insured banks close on the same ten federal holidays plus Juneteenth. Private banks and credit unions may have slightly different schedules, so check with your institution if you're unsure.

Why hasn't my refund posted if it's been three business days?

Refunds can take three to five business days to post after they're sent, depending on the issuing agency and your bank's processing time. If it's been longer than five business days since the refund was sent, contact the issuing agency (IRS, state tax office, or business) to confirm it was actually transmitted to your bank.