Banks follow a standard weekly schedule, but holidays and emergencies can close them on days you'd normally expect them to be open
Most banks in the United States are open Monday through Friday from 9 a.m. to 5 p.m., though some branches open as early as 8 a.m. or stay open until 6 p.m. or later. Saturday hours vary widely — some branches open from 9 a.m. to 1 p.m., others from 9 a.m. to 3 p.m., and many don't open on Saturday at all. All banks are closed on Sundays. If yesterday was a weekday and not a federal holiday, your bank was almost certainly open during standard business hours, even if you couldn't visit in person.
The fastest way to know whether a specific branch was open is to check your bank's website or call the branch directly. Most banks list holiday closures and any emergency closures on their homepage. If you need to know about a past day, the branch phone line will have a recorded message or you can speak to someone who can confirm whether they were operating.
Key Takeaways
- Standard bank hours are Monday through Friday, 9 a.m. to 5 p.m., though individual branches vary.
- Federal holidays — including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas — close all banks nationwide.
- Some banks close on additional holidays like Martin Luther King Jr. Day or Presidents' Day; check your bank's specific calendar.
- Your bank's website or branch phone number will confirm whether a specific location was open on a specific date.
- Online banking and ATMs work 24/7 regardless of branch hours, so you can move money or check balances anytime.
Federal holidays that close all U.S. banks
Every bank in the country closes on the same federal holidays. These are: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).
If yesterday was one of these dates, your bank was closed. If you need to know which holidays are coming up, the Federal Reserve publishes the full list each year on its website, and your bank's website will also show its holiday schedule.
How to check if your specific branch was open
Go to your bank's website and look for "branch hours" or "locations." Enter your zip code or the branch address. Most banks show a weekly schedule and flag any dates when that branch had different hours or was closed. Some banks also list emergency closures — for example, if a branch lost power or had a staffing issue.
If the website doesn't show historical information, call the branch directly. The phone line will have a recorded message about current hours, and you can ask a representative whether the branch was open on a specific date in the past. This is useful if you're trying to figure out whether a transaction should have gone through or if you need documentation for a dispute.
Why a bank might be closed on a day that isn't a holiday
Branches sometimes close for reasons other than holidays. A building emergency — power outage, water damage, or HVAC failure — can force a temporary closure. Staff shortages, renovations, or a manager's decision to close early for low customer traffic can also affect individual branches. During the COVID-19 pandemic, some branches reduced hours or closed temporarily.
If you're trying to understand why a branch was closed on a specific date, call and ask. The staff can tell you whether it was a planned closure (like renovation) or an emergency, and whether it affected just that branch or the whole bank.
What you can do when branches are closed
Online banking works 24/7. You can transfer money between your own accounts, pay bills, deposit checks by phone camera, and check your balance at any time, whether the branch is open or not. ATMs also work around the clock — you can withdraw cash, deposit checks, and transfer money without visiting a teller.
If you need to speak to someone, most banks offer phone support during extended hours, sometimes 7 a.m. to 10 p.m. or later. Some banks also offer chat support through their website or app. For urgent issues that require a teller — like a cashier's check or a signature on a document — you'll need to wait until the branch reopens.
Banks that operate on different schedules
Credit unions sometimes keep different hours than banks. Some credit unions are open on Saturdays or have evening hours on weekdays. If you use a credit union, check its specific schedule rather than assuming it follows the standard bank calendar.
Online-only banks have no physical branches, so the concept of "open" or "closed" doesn't apply in the same way. You can access your account anytime, but if you need to mail a check or handle something that requires a physical location, you'll need to use an ATM network or a partner bank's branch.
Frequently Asked Questions
Are banks open on Saturdays?
Some branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m., but many are not. Check your specific branch's hours on the bank's website or call ahead. Online banking and ATMs work on Saturdays regardless.
What time do banks close on weekdays?
Most banks close at 5 p.m. on weekdays, but some stay open until 6 p.m. or later. A few branches close at 4 p.m. Check your branch's posted hours or call to confirm the exact closing time.
If a bank was closed yesterday, can I still deposit a check?
Yes. You can deposit checks through your bank's mobile app (mobile deposit), at an ATM, or by mailing the check. These methods work whether the branch is open or closed. The check will be processed when the bank reopens.
Do all banks close on the same holidays?
All banks close on federal holidays. Some banks also close on additional holidays like Martin Luther King Jr. Day or Presidents' Day, depending on their policy. Check your bank's holiday calendar to see which days it observes.
Can I get cash from an ATM if the bank is closed?
Yes. ATMs work 24/7, even when the branch is closed. You can withdraw cash, deposit checks, and transfer money at any time.