Most banks are open Monday through Friday from 9 a.m. to 5 p.m., with Saturday hours at some branches

Standard banking hours vary by bank and location, but the most common pattern is 9 a.m. to 5 p.m. on weekdays, with many banks closing for lunch between noon and 1 p.m. Some branches stay open until 6 p.m. or 7 p.m. on certain weekdays. Saturday hours typically run from 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m., though not all branches are open on Saturday. Most banks are closed on Sundays and federal holidays.

The hours you see posted at your branch may not match the hours at another branch of the same bank across town. Large banks like Chase, Bank of America, Wells Fargo, and Citibank publish their hours branch by branch on their websites. Credit unions often have shorter hours than national banks, sometimes closing at 4:30 p.m. on weekdays. If you need to visit a specific branch, call ahead or check the bank's website rather than assuming the posted hours apply to all locations.

Key Takeaways

  • Most bank branches are open 9 a.m. to 5 p.m. Monday through Friday, with some locations staying open later or on Saturday mornings.
  • Banking hours differ by branch location and by bank, so you should check your specific branch's schedule before visiting.
  • ATMs and online banking are available 24/7, so you can deposit checks, transfer money, and check balances outside of branch hours.
  • Mobile deposit lets you photograph a check and submit it through your bank's app without visiting a branch or ATM.
  • Federal holidays close most bank branches, even if they normally open on that day of the week.

How to find your bank's hours

The fastest way is to visit your bank's website and use the branch locator tool. Enter your zip code or address, and the site will show you every branch near you with its hours. Most banks display hours for each day of the week, holiday closures, and sometimes notes about drive-through hours being different from lobby hours.

If you cannot find the hours online, call the branch directly. The phone number is usually listed on the branch locator page. You can also use Google Maps: search for your bank name and location, and Google often displays the hours in the business listing on the right side of the screen.

ATMs and online banking work around the clock

You do not need to wait for branch hours to withdraw cash, check your balance, or transfer money between accounts. ATMs are available 24 hours a day, 7 days a week at most banks. Online banking through your bank's website or mobile app also runs around the clock, letting you pay bills, move money, and review transactions at any time.

Some transactions do have limits outside of business hours. Large cash withdrawals from an ATM may be capped at $500 or $1,000 per day depending on your account and bank. Wire transfers initiated through online banking after 5 p.m. may not process until the next business day. If you need to speak to a person about a transaction, you will have to wait until the branch reopens.

Mobile deposit lets you submit checks without visiting a branch

Most banks now offer mobile deposit through their app. You photograph the front and back of a check, enter the amount, and submit it. The check is deposited into your account without you having to visit an ATM or branch. This works at any time of day or night, though the deposit may not post to your account until the next business day.

Mobile deposit has limits. Most banks cap deposits at $5,000 to $10,000 per transaction and $20,000 to $50,000 per day, though these limits vary. You will need a smartphone with a camera and your bank's mobile app. Some banks require you to set up mobile deposit in the branch or through online banking before you can use it on your phone.

Drive-through windows often have different hours than the lobby

Many bank branches have a drive-through window that stays open longer than the lobby. A branch might close its lobby at 5 p.m. but keep the drive-through open until 6 p.m. or 7 p.m. Some banks open the drive-through before the lobby opens in the morning. The branch locator on your bank's website usually lists drive-through hours separately from lobby hours.

Drive-through service is limited compared to the lobby. You can deposit checks and cash, withdraw money, and make some transfers, but you cannot open a new account or speak to a loan officer through the drive-through. If you need to do something that requires a teller or banker, you will have to come back during lobby hours.

Federal holidays close most branches

Banks close on federal holidays including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday. When a holiday falls on a Saturday, many banks close on Friday instead. When it falls on a Sunday, they close on Monday.

ATMs and online banking remain open on federal holidays. If you need cash or need to move money on a holiday, use the ATM or your bank's app. Wire transfers and other services that require bank staff will process on the next business day.

What to do if you need banking services outside of branch hours

For cash withdrawals and deposits, use an ATM. For check deposits, use mobile deposit through your bank's app or an ATM that accepts deposits. For account transfers and bill payments, use online banking or your mobile app. For questions about your account or transactions, call your bank's customer service line, which often runs longer hours than branches or operates 24/7.

If you need to speak to someone in person and your branch is closed, you have a few options. Some banks have branches in grocery stores or pharmacies with extended hours. Credit unions sometimes partner with other credit unions to provide after-hours access. Ask your bank whether it participates in a shared branching network that lets you visit other banks' branches to conduct business.

Frequently Asked Questions

Are bank hours the same at every branch?

No. Each branch sets its own hours based on location and staffing. A downtown branch may be open 8 a.m. to 6 p.m., while a suburban branch closes at 5 p.m. Check the hours for your specific branch on your bank's website or by calling ahead.

Can I deposit a check after the bank closes?

Yes, through mobile deposit or an ATM that accepts deposits. Mobile deposit is fastest and works anytime. ATM deposits may take until the next business day to post to your account, and some ATMs have daily deposit limits.

What happens if I need to wire money on a Sunday?

You can initiate a wire transfer through online banking on Sunday, but it will not process until Monday morning when the bank's operations team returns. If you need the money to arrive the same day, you will have to wait until a weekday and submit the transfer before your bank's cutoff time, usually 2 p.m. or 3 p.m.

Do all banks have Saturday hours?

No. Many banks are closed on Saturday, especially in rural areas or small towns. Some larger banks open select branches on Saturday mornings. Check your bank's website to see whether your branch is open on Saturday.

Can I call my bank outside of branch hours?

Yes. Most banks have a customer service phone line that operates 24/7 or at least extends well beyond branch hours. The number is usually on the back of your debit card or on the bank's website. You can ask questions, report fraud, or request a wire transfer, though some services may not process until the next business day.