Most banks are closed on Sundays, but you have options that work around the clock
The vast majority of brick-and-mortar banks do not open on Sunday. Chase, Bank of America, Wells Fargo, and most regional and community banks operate Monday through Friday, with limited Saturday hours at some branches. If you need to deposit a check, withdraw cash, or speak to someone in person on a Sunday, you will need to use a different method.
What you can do on Sunday depends on what you need. If it is a transaction—depositing a check, transferring money, paying a bill—most banks let you do it online or through their mobile app any day of the week, any time of day. If you need cash and do not have it, an ATM works on Sunday. If you need to talk to a person, some banks offer phone or chat support on Sunday, though not all.
Key Takeaways
- Most traditional banks close on Sunday; online banks and credit unions vary, so check your institution's specific hours.
- ATMs work 24/7 at most banks, so you can withdraw cash or deposit checks at a machine on Sunday even if the branch is closed.
- Mobile apps and online banking let you transfer money, pay bills, and send funds to other people on Sunday without visiting a branch.
- If you need to speak to someone on Sunday, call your bank's customer service line or use their chat feature; availability depends on the bank.
- Some credit unions and online banks operate on different schedules, so confirm your bank's Sunday hours before you need them.
ATMs work on Sunday even when the branch does not
An ATM is your fastest option for cash or check deposits on a Sunday. Most banks keep their ATMs running 24 hours a day, 7 days a week, regardless of branch hours. You can withdraw cash, deposit a check, transfer money between your own accounts, and check your balance without waiting for Monday.
The catch: some ATM transactions have limits. Daily withdrawal limits vary by bank—many cap it at $500 to $1,000 per day, though some allow more. Check deposits through an ATM usually post to your account within one or two business days, the same as a branch deposit. If you need to deposit a large check or withdraw more than your daily limit, you will have to wait until Monday to visit a teller.
If you use an out-of-network ATM (one that is not run by your bank), you may pay a fee—typically $2 to $3 per transaction. Your own bank's ATMs are always free.
Online banking and mobile apps work around the clock
If you need to move money, pay a bill, or send funds to someone else, your bank's website or app works on Sunday just like it does on Wednesday. You can transfer money between your own accounts, send money to another person using their account number, pay a bill to a company or landlord, and set up recurring payments—all without leaving home and all without waiting for the branch to open.
The timing depends on the type of transfer. A transfer between accounts at the same bank usually posts within hours or by the next business day. A transfer to another bank (called an ACH transfer) typically takes one to three business days. A bill payment to a company usually arrives within three to five business days, though some billers process it faster. If you initiate a transfer on Sunday evening, it will process on Monday morning.
Wire transfers and real-time payments (like Zelle or your bank's equivalent) can move money faster, sometimes within minutes, but they are not available for every type of transaction and may have higher fees.
Phone and chat support on Sunday varies by bank
If you have a question or need help with a transaction, many banks offer customer service on Sunday, but not all. Chase, Bank of America, and Wells Fargo all have phone lines open on Sunday, though hours may be shorter than weekday hours—often 9 a.m. to 5 p.m. Eastern time or similar. Some banks also offer chat support through their app or website on Sunday.
Before you need it, log into your bank's website or app and look for the "Contact Us" page. It will list the phone number and the hours when support is available. If your bank does not offer Sunday support and you have an urgent question, you may have to wait until Monday morning, or you can try to resolve it through your online banking platform.
Online banks and credit unions may have different Sunday hours
If you bank with an online-only institution like Ally, Charles Schwab Bank, or Discover Bank, there is no physical branch to close on Sunday—you conduct all business online or by phone. These banks typically offer customer service seven days a week, though hours vary. Check your bank's website for the exact times.
Credit unions also vary. Some credit unions are closed on Sunday, while others open for a few hours or offer extended hours. A few credit unions operate on Saturday and Sunday instead of Monday through Friday. Call your credit union or check their website to confirm their Sunday schedule.
What to do if you need cash and the ATM is empty
ATMs occasionally run out of cash, especially on busy weekends. If the ATM at your bank's branch is empty on Sunday, try an ATM at a different branch or a different bank. Most banks participate in ATM networks that let you use other banks' machines without a fee—for example, if you bank with Chase, you can use ATMs at other Chase branches and at partner banks in the MoneyPass network.
If you cannot find a working ATM and you need cash urgently, a convenience store, grocery store, or pharmacy may let you withdraw cash back when you make a purchase using your debit card. This is called a cash advance or cash back, and it is free at most retailers.
Planning ahead prevents Sunday banking problems
The simplest approach is to handle banking tasks during the week or to use online and mobile tools on Sunday. If you know you will need cash on Sunday, withdraw it on Friday or Saturday. If you need to deposit a check, use your mobile app to snap a photo and deposit it remotely, or use an ATM. If you need to pay a bill, set it up online a few days before it is due.
For anything that requires a teller—a large deposit, a wire transfer, a signature, or a problem that online banking cannot solve—plan to visit your branch on a weekday. Most banks open by 9 a.m. and close between 4 p.m. and 6 p.m., with some branches staying open later on certain days. A few branches open on Saturday mornings.
Frequently Asked Questions
Can I deposit a check on Sunday using my bank's app?
Yes. Most banks let you photograph the front and back of a check using their mobile app and deposit it remotely. The check usually posts to your account within one or two business days. You can also deposit a check at an ATM on Sunday, though the timing is the same.
Will a bill payment I make on Sunday go through on Sunday?
No. If you pay a bill online on Sunday, it will process on Monday morning at the earliest. Most bill payments take three to five business days to reach the company. If a bill is due on Monday, do not wait until Sunday to pay it online—pay it on Friday instead, or use a faster method like a wire transfer or phone payment.
What if my bank's ATM is not working on Sunday?
Try an ATM at a different branch of your bank, or use an ATM at a partner bank or network. Most banks are part of a shared ATM network that lets you withdraw cash without a fee. If no ATM is available, you can get cash back at a grocery store or convenience store when you make a purchase with your debit card.
Do online banks close on Sunday?
Online banks do not have physical branches, so there is no "closing" in the traditional sense. You can access your account and conduct transactions online 24/7. However, customer service phone lines may have limited hours on Sunday. Check your bank's website for the exact times support is available.
Can I transfer money to another person on Sunday?
Yes, you can initiate a transfer on Sunday through your bank's app or website. If you use a real-time payment service like Zelle, the money may arrive within minutes. A standard ACH transfer usually takes one to three business days, so it will process on Monday morning at the earliest.