Most banks are closed on Sundays, but you have options

The vast majority of banks in the United States do not open on Sunday. Chase, Bank of America, Wells Fargo, Citibank, and most regional and community banks keep their branch locations closed on Sundays. A few banks operate limited Sunday hours — usually 10 a.m. to 4 p.m. — but these are rare exceptions, and you should not count on finding one near you without checking first.

If you need to handle banking on a Sunday, you have several paths that do not require a branch to be open. ATMs work 24 hours a day, seven days a week. Mobile banking apps let you transfer money, pay bills, and deposit checks by photograph. Wire transfers and ACH payments can be initiated online on Sunday, though they will not process until Monday. If you need cash or a service that requires a teller, you may need to wait until Monday or find a credit union that operates weekend hours in your area.

Key Takeaways

  • Most bank branches close on Sunday; only a small number of banks operate limited Sunday hours, usually 10 a.m. to 4 p.m.
  • ATMs are available 24/7, and you can withdraw cash, deposit checks, and check balances on Sunday without visiting a branch.
  • Mobile banking apps allow you to transfer money, pay bills, and deposit checks by photo on Sunday, though processing happens on Monday.
  • Some credit unions and online banks offer Sunday hours or 24/7 service; call ahead or check your bank's website to confirm before you go.
  • Wire transfers and ACH payments started on Sunday will not clear until Monday, so plan ahead if you need money to arrive by a specific date.

ATMs and cash access on Sunday

ATMs operated by your bank are open around the clock, including Sunday. You can withdraw cash, deposit cash or checks, transfer money between accounts, and check your balance at any time. Most banks do not charge a fee for using their own ATM, even on Sunday.

If you need to use an ATM from a different bank, you will likely pay a fee — usually $2 to $3 — charged by either the ATM operator or your own bank, or both. Some banks reimburse out-of-network ATM fees if you maintain a high balance or pay a monthly fee for premium checking. Check your account terms or call your bank's customer service line (which may have Sunday hours) to find out whether you are covered.

ATM deposits of checks and cash are processed on the next business day. If you deposit a check on Sunday evening, it will be credited to your account on Monday morning, not immediately.

Mobile banking and online transfers on Sunday

You can initiate most banking transactions through your bank's mobile app or website on Sunday without waiting for a branch to open. This includes transferring money between your own accounts, sending money to another person via Zelle or similar services, paying bills, and depositing checks by taking a photograph of the front and back.

The transaction itself happens immediately — you will see the transfer leave your account right away — but the money does not arrive at its destination until Monday. If you send money to another bank on Sunday using ACH (the standard electronic transfer system), it will land in the recipient's account on Monday or Tuesday, depending on their bank's processing schedule. Wire transfers initiated on Sunday will also process on Monday.

If you need money to arrive by a specific date, initiate the transfer on Friday or earlier. Sunday transfers that appear to go through instantly are actually queued and will not clear until the next business day.

Credit unions and online banks with weekend hours

Some credit unions operate on Saturday and Sunday, though hours vary widely. If you are a member of a credit union, check their website or call to ask whether your local branch is open on Sunday. Credit union hours are not standardized the way bank hours are, so you cannot assume Sunday service exists without confirming.

Online banks like Ally, Charles Schwab, and others do not have physical branches, so there is no "open" or "closed" in the traditional sense. You can use their apps and websites on Sunday just as you would on any other day. However, if you need to deposit a physical check or withdraw cash, you will still be limited by ATM availability and processing times.

Some online banks partner with ATM networks to give you access to thousands of machines nationwide, often without fees. If weekend banking is important to you, an online bank combined with a robust ATM network may be a better fit than a traditional bank with limited branch hours.

What you cannot do on Sunday at a closed branch

If you need to speak to a teller, open a new account, apply for a loan, order a cashier's check, or resolve a dispute, you will need to wait until Monday or find a bank with Sunday hours. Some banks offer phone support on Sunday — usually 9 a.m. to 5 p.m. — so you can call to ask questions or report fraud, but you cannot complete transactions that require a teller's signature or verification.

If you need a cashier's check on Sunday, you have no option through a traditional bank. Some grocery stores and check-cashing services issue cashier's checks on weekends, though they charge a fee (usually $5 to $15). Call ahead to confirm they are open and have the service available.

How to plan ahead for Sunday banking needs

If you know you will need cash or a banking service on Sunday, handle it on Friday or Saturday instead. Deposit checks, withdraw cash, and initiate transfers before the weekend. This avoids the rush and ensures you have what you need without scrambling.

If you regularly need banking services on weekends, consider switching to a bank or credit union that offers Saturday and Sunday hours, or combine a traditional bank account with an online bank for flexibility. Some people keep a small amount of cash on hand for Sunday expenses and use their ATM card for larger withdrawals.

Set up automatic bill payments and recurring transfers through your bank's website so you do not have to initiate them manually each week. This way, payments go out on schedule even if you forget or are unavailable on a Sunday.

Frequently Asked Questions

Can I deposit a check on Sunday?

Yes, you can deposit a check on Sunday using your bank's ATM or mobile app. ATM deposits are processed on Monday morning. Mobile check deposits (photographing the check through your app) are also processed on Monday. Both methods are free and available 24/7.

Will my wire transfer go through on Sunday?

No. Wire transfers initiated on Sunday will process on Monday morning. If you need money to arrive by Sunday, you must initiate the transfer on Friday. Some banks allow you to schedule a wire transfer in advance, so you can set it up on Friday to send on Monday.

Do any major banks open on Sunday?

A very small number of Chase, Bank of America, and Wells Fargo branches operate limited Sunday hours, usually 10 a.m. to 4 p.m., but this is not standard. Check your bank's website or call your local branch to see if Sunday hours are available. Most branches are closed on Sunday.

Can I get cash on Sunday if the bank is closed?

Yes. Use your bank's ATM to withdraw cash 24/7, including Sunday. If you need cash from a different bank, you can use their ATM but will likely pay a fee. Some grocery stores and convenience stores also offer cash back with a debit card purchase on Sunday.

What time do banks close on Saturday?

Most banks close at 1 p.m. to 3 p.m. on Saturday, though some stay open until 5 p.m. or 6 p.m. Hours vary by location and bank. Check your bank's website or call your local branch to confirm Saturday closing time before you go.