Most banks are closed on Sundays, but some branches and online services operate

The majority of traditional bank branches close on Sundays. Banks set their own hours, and Sunday closure is the standard across most major banks in the United States — Chase, Bank of America, Wells Fargo, Citibank, and most regional banks do not staff physical locations on Sundays. However, this does not mean you cannot access your money or conduct banking on a Sunday. Online banking, mobile apps, ATMs, and a small number of branches in high-traffic areas remain available seven days a week.

The reason most banks close on Sundays traces back to banking regulations and tradition. Federal law does not require banks to close on any particular day, but the industry standard developed decades ago when Sunday was universally observed as a day of rest. That custom persists even though technology has made round-the-clock banking possible. Some banks have experimented with Sunday hours in major cities, but the practice has not become widespread.

Key Takeaways

  • Physical bank branches are closed on Sundays at nearly all major banks, including Chase, Bank of America, Wells Fargo, and Citibank.
  • You can still deposit checks, transfer money, and pay bills on Sunday through your bank's mobile app or website without visiting a branch.
  • ATMs operate 24/7 at most banks, so you can withdraw cash, check your balance, and make deposits at ATM machines on Sunday.
  • A handful of banks in major metropolitan areas offer limited Sunday hours at select branches, but you should call ahead to confirm before visiting.
  • Credit unions sometimes have different Sunday hours than traditional banks, so check with your specific credit union about weekend availability.

What you can do on Sunday without a branch

Online banking and mobile apps work around the clock, including Sundays. You can log into your bank's website or app to transfer funds between your own accounts, send money to other people, pay bills, deposit checks using mobile check deposit, and review your account history. These transactions process immediately or within one business day depending on the type of transfer.

ATMs are available 24/7 at most banks. You can withdraw cash, deposit cash or checks, transfer money between accounts, and check your balance at any ATM displaying your bank's logo or network affiliation. Some banks charge fees for out-of-network ATM use, so using your own bank's machines saves money.

If you need to speak with someone on Sunday, many banks offer phone support during limited hours. Call the number on the back of your debit card or check your bank's website for Sunday customer service availability. Response times may be longer than on weekdays.

Banks and credit unions with Sunday hours

A small number of banks operate Sunday hours at select locations, primarily in New York City, Los Angeles, and other major cities. Citibank has opened some branches on Sunday afternoons in Manhattan. Bank of America has tested Sunday hours at certain locations. However, these are exceptions rather than the rule, and hours vary widely by branch.

Credit unions sometimes offer different weekend schedules than traditional banks. Some credit unions stay open on Saturday and Sunday, while others close on weekends entirely. Your credit union's hours depend on its size, location, and membership base. Check your credit union's website or call the branch directly to confirm Sunday availability.

Online-only banks like Ally, Charles Schwab Bank, and Marcus by Goldman Sachs do not have physical branches at all, so the concept of Sunday closure does not apply. All services are available through their apps and websites seven days a week.

What counts as a business day for Sunday transactions

Transactions you make on Sunday through online banking or ATMs typically process on Monday, the next business day. Banks do not process transfers, check deposits, or bill payments on weekends. If you deposit a check at an ATM on Sunday morning, the funds usually appear in your account by Monday or Tuesday depending on the check amount and your bank's policy.

Wire transfers initiated on Sunday are queued and process on Monday. ACH transfers (the system used for most bill payments and person-to-person transfers) also wait until Monday to process. If you need money urgently on a Sunday, ATM withdrawal is your only immediate option.

Some banks offer faster processing for certain transactions, but these speed-ups do not override the weekend pause. If your bank advertises "next-day" processing, that means the next business day, not the next calendar day.

How to find your bank's Sunday hours

Visit your bank's official website and use the branch locator tool. Enter your zip code or city, and the results will show hours for each nearby branch. Most banks display Saturday and Sunday hours separately from weekday hours, making it easy to spot which locations are open on weekends.

Call your branch directly at the number listed online. Staff can confirm whether that specific location opens on Sunday and what time they open and close. Do not rely on the main customer service line, which may give you general information rather than branch-specific details.

Check your bank's mobile app. Many apps include a branch locator with real-time hours. Some apps also let you schedule appointments or send messages to branches, which can be useful if you need to plan a visit.

What to do if you need banking services on Sunday

For routine transactions — deposits, transfers, bill payments, balance checks — use your bank's mobile app or website. These channels work on Sunday and handle most everyday banking needs without requiring a branch visit.

For cash withdrawals or deposits, use an ATM. Your bank's ATMs are available 24/7, and most ATM networks (like Allpoint or MoneyPass) let you use machines from other banks, though out-of-network fees may apply.

For complex issues that require speaking with a banker — such as disputing a transaction, opening a new account, or applying for a loan — you will need to wait until Monday or call during your bank's limited Sunday phone hours. Some banks offer video chat with bankers during extended hours, which may include Sunday afternoon or evening.

Frequently Asked Questions

Can I deposit a check at an ATM on Sunday?

Yes. Most bank ATMs accept check deposits 24/7, including Sundays. The check will be processed and the funds added to your account on the next business day (usually Monday). Take a photo of the check for your records before depositing it.

Will my bill payment process if I submit it on Sunday?

No. Bill payments submitted on Sunday through online banking are queued and process on Monday. If you have a bill due on Monday, submit it on Friday or earlier to ensure it reaches the payee on time. Check your bank's processing times, as some payments take two to three business days.

Can I transfer money to another person's bank account on Sunday?

You can initiate the transfer on Sunday through your bank's app or website, but the money will not leave your account until Monday. The receiving bank will credit the funds on Monday or Tuesday depending on the banks involved and the transfer type (ACH or wire).

Are there any banks open 24 hours on Sundays?

No traditional bank branches are open 24 hours on Sundays. Online banks have 24/7 digital access, and ATMs operate around the clock, but staffed branches close on Sundays at all major banks. Some branches in major cities have limited Sunday afternoon hours, but these are rare.

What if my bank's ATM is broken on Sunday?

Use an ATM from another bank in your bank's network or a shared ATM network like Allpoint or MoneyPass. You may pay an out-of-network fee (typically $1 to $3), but you will still be able to withdraw cash. Call your bank's customer service line to report the broken ATM so they can repair it.