TD Bank branch hours and closing times

Most TD Bank branches close at 5:00 p.m. on weekdays and 1:00 p.m. on Saturdays. Some locations stay open until 6:00 p.m. on weekdays, and a small number of branches have extended hours or Sunday service. The exact closing time depends on which branch you visit—there is no single closing time across all locations.

The fastest way to find your specific branch's hours is to visit TD Bank's branch locator on their website, enter your zip code, and click on the branch name. The hours listed there are current. You can also call the branch directly, though you may reach an automated system during off-hours.

If you need to deposit money or withdraw cash after hours, TD Bank ATMs are available 24/7. ATMs accept deposits at most locations, though some older machines may not. Check your receipt or the ATM screen to confirm the deposit was processed.

Key Takeaways

  • Most TD Bank branches close at 5:00 p.m. on weekdays and 1:00 p.m. on Saturdays, but some locations have different hours.
  • Use the TD Bank branch locator on their website to find the exact closing time for your nearest location.
  • TD Bank ATMs are open 24/7 for withdrawals and deposits, even when the branch is closed.
  • Customer service phone lines have different hours than branches—call the number on the back of your card to confirm when you can reach a representative.

Customer service phone hours

TD Bank's customer service line is typically open from 7:00 a.m. to 11:00 p.m. on weekdays and 8:00 a.m. to 6:00 p.m. on Saturdays. Sunday hours vary by region. These hours are longer than branch hours because the call center operates separately from physical locations.

The phone number on the back of your debit or credit card connects you to the right department for your account type. If you call outside business hours, you will reach an automated system that can handle some requests—like checking your balance, reporting a lost card, or transferring money between your own accounts.

Wait times are typically shortest early in the morning or mid-afternoon on weekdays. Calling on Saturday afternoon or Sunday evening usually means longer hold times.

Online and mobile banking access

TD Bank's website and mobile app are open 24/7. You can check your balance, transfer money between accounts, pay bills, deposit checks by phone camera, and view transaction history at any time. These services do not depend on branch hours or customer service availability.

Some transactions process immediately—like transfers between your own TD accounts. Others, like bill payments or transfers to other banks, may take one to three business days depending on the receiving bank and the time you submit the request.

Holiday hours and closures

TD Bank branches close on major U.S. holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some branches may also close on Good Friday or other regional holidays. Customer service lines typically remain open on holidays, though wait times are longer.

ATMs and online banking remain available on holidays. If you need cash or need to make a payment on a holiday, use the ATM or mobile app rather than waiting for the branch to reopen.

Planning ahead for in-person banking

If you need to visit a branch for something that requires a teller—like depositing a large check, opening a new account, or discussing a loan—plan to arrive at least 30 minutes before closing time. Many branches stop accepting new customers 15 to 30 minutes before the posted closing time.

If your branch closes at 5:00 p.m. and you arrive at 4:45 p.m., you may not have time to complete your transaction. Calling ahead to confirm the branch is not busy can save you a wasted trip.

Deposit cutoff times

TD Bank's deposit cutoff time—the deadline for deposits to post the same business day—is typically 2:00 p.m. on weekdays. Deposits made after 2:00 p.m. usually post the next business day. Mobile check deposits and ATM deposits may have different cutoff times depending on your account type and the specific ATM location.

If you need a deposit to post urgently, make it before 2:00 p.m. on a weekday. Deposits made on Friday afternoon will not post until Monday, and deposits made on weekends will not post until the following Monday.

Frequently Asked Questions

Can I deposit money at a TD Bank ATM after the branch closes?

Yes. TD Bank ATMs accept deposits 24/7. However, the deposit may not post to your account until the next business day, depending on when you made it and your account type. Check your receipt to confirm the deposit was accepted.

What if I need to speak to someone on a Sunday?

Customer service is open on Sunday, though hours vary by region—typically 9:00 a.m. to 5:00 p.m. Call the number on the back of your card. If you need to visit a physical branch, most locations are closed on Sundays, so use online banking or an ATM instead.

Do all TD Bank branches have the same closing time?

No. Most close at 5:00 p.m. on weekdays, but some stay open until 6:00 p.m., and a few have different schedules. Use the branch locator on TD Bank's website to find your specific location's hours.

What happens if I try to use online banking after hours?

Online banking and the mobile app work 24/7. You can check your balance, transfer money, and pay bills at any time. Some transactions process immediately; others take one to three business days depending on the type of transaction and the receiving bank.

Is there a fee to use the ATM after the branch closes?

No. Using a TD Bank ATM is free for TD Bank customers, regardless of the time of day. If you use an ATM from a different bank, you may be charged a fee by both banks.