Check your bank's website or call before you go
The fastest way to know if your bank is open today is to visit their website—most banks post holiday closures and emergency hours on the homepage. You can also call the main number on your debit card or bank statement; an automated message will tell you branch hours and whether they're open. If you need to visit in person, calling takes 30 seconds and saves you a trip.
Many banks now let you do what you need online or through their app instead of going to a branch. You can transfer money, pay bills, deposit checks by phone camera, and withdraw cash from ATMs 24 hours a day, even when branches are closed. If your bank is closed today but you need cash, any ATM in their network will work.
Key Takeaways
- Call your bank's main number or check their website to confirm branch hours before you travel to a location.
- Federal holidays close most bank branches, though ATMs and online banking stay available.
- Banks close on different days depending on which holidays they observe, so checking your specific bank matters.
- If you need cash and the branch is closed, use an ATM in your bank's network or a partner network.
- Some banks offer Saturday or Sunday hours at certain locations, so ask about branches near you.
Federal holidays when most banks close
Banks close on federal holidays, but not all banks close on the same days. Most major banks close on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday or other religious holidays depending on their policies.
Your bank may close on holidays that other banks stay open for, or stay open on days when others close. The only way to know for certain is to check with your specific bank. Many banks post their holiday schedule on their website in December for the full year ahead, so you can plan around it.
What you can still do when your bank is closed
Bank branches close, but the bank itself does not stop working. You can use ATMs to withdraw cash, check your balance, and deposit checks 24 hours a day. You can also log into online banking to transfer money between your accounts, pay bills, send money to other people, and check transactions.
If you need to speak to someone, most banks offer phone support on holidays, though wait times are often longer. Some banks have chat support through their app or website. If your issue is urgent and your bank has no holiday support, you may need to wait until the next business day.
Banks with weekend or extended hours
Not all banks keep the same hours. Some branches open on Saturday mornings or afternoons, and a few open on Sunday. Credit unions also vary—some are open weekends, others are not. If you know you'll need to visit a branch on a weekend or holiday, call ahead to find a location that's open.
Online banks and some newer banks have no physical branches at all, so there is no "closed" in the traditional sense. They handle everything through apps and websites, and customer service is available by phone or chat during posted hours. If you bank online, check their support hours to know when you can reach someone by phone.
How to find your bank's hours right now
Open your bank's website and look for "branch hours" or "locations." Enter your zip code or the address of the branch you want to visit. The page will show today's hours and whether the branch is open. If the website does not have this information, call the main customer service number on your card or statement.
You can also use Google Maps: search your bank's name and your city, and the hours will appear in the search result. Google updates these hours regularly, though they can sometimes lag behind if a bank changes its schedule. If you see conflicting information, call the branch directly to be sure.
What to do if you need money and your bank is closed
Use an ATM in your bank's network to withdraw cash. Most banks let you use ATMs from other banks in their network for free, and some networks are very large. If you do not know which ATMs your bank partners with, check your bank's website or app—there is usually an ATM locator tool.
If you need to deposit a check and the branch is closed, use mobile check deposit through your bank's app if you have it. Take a photo of the front and back of the check, and the bank will process it. If your bank does not offer mobile deposit, you can mail the check or wait until the branch reopens.
Frequently Asked Questions
Are banks closed on weekends?
Most bank branches close on Saturday and Sunday, though some open Saturday mornings. ATMs and online banking work 24 hours. Call your bank or check their website to see if any branches near you have weekend hours.
Do banks close early on certain days?
Some branches close earlier on Friday or the day before a holiday. Hours vary by location, so check your specific branch. The bank's website or a call to that location will show the exact time they close today.
Can I still pay bills if my bank is closed?
Yes. You can pay bills online through your bank's website or app anytime, even when branches are closed. The payment will process when the bank reopens, or on the date you schedule it for.
What if I need to speak to someone and the bank is closed?
Call your bank's customer service number. Most banks have phone support on holidays, though wait times may be longer. If no one answers, try again when the branch reopens, or use online chat if your bank offers it.
Can I use another bank's ATM if mine is closed?
Yes, but you may pay a fee unless your bank has a partnership with that ATM's network. Check your bank's website to see which networks they partner with. Using an ATM in your bank's network is free.