Most banks are closed on Sundays, but you have other ways to handle banking needs that day
The vast majority of brick-and-mortar banks in the United States do not open on Sundays. Chase, Bank of America, Wells Fargo, Citibank, and most regional and local banks operate Monday through Friday, with limited Saturday hours at some branches. If you need to deposit a check, withdraw cash, or speak to someone in person on a Sunday, your main branch will not be available.
However, you can still move money, pay bills, and handle most banking tasks on Sunday without waiting for Monday. The methods available depend on what you need to do and which bank you use. Some banks offer limited Sunday hours at select locations, but these are rare exceptions rather than the rule.
Key Takeaways
- Nearly all major banks close on Sundays, though a small number of branches in high-traffic areas may open for a few hours.
- ATMs work 24/7 at most banks, so you can withdraw cash, deposit checks, and check balances any day or time.
- Online banking and mobile apps let you transfer money, pay bills, and send funds to other people on Sunday without visiting a branch.
- Credit unions sometimes have different Sunday hours than banks, so check your specific institution's schedule.
- If you need to speak to a person on Sunday, most banks offer phone support during business hours, though not all lines are staffed seven days a week.
Banks with limited Sunday hours
A handful of banks operate select branches on Sunday, but this is uncommon and limited to major metropolitan areas. Chase, for example, opens some branches in New York City and other high-density cities for a few hours on Sunday afternoon, typically from 11 a.m. to 3 p.m. or 1 p.m. to 5 p.m. Bank of America has opened Sunday hours at certain locations in major cities, but availability varies widely by branch and changes periodically.
To learn about your specific branch is open on Sunday, call the branch directly or check the bank's website and enter your zip code. Do not assume that because one branch near you is closed, all branches in your area are closed. Some banks list Sunday hours on their branch locator tool; others do not, so a phone call is often the fastest way to confirm.
Credit unions sometimes maintain different schedules than banks. Some credit unions open on Sunday, particularly those in shopping centers or near grocery stores. Check your credit union's website or call ahead before making a trip.
Using ATMs and mobile deposits on Sunday
ATMs operate around the clock at most banks, including on Sundays. You can withdraw cash, check your balance, transfer money between accounts, and deposit checks at most ATMs without waiting for a teller. Mobile deposit—where you photograph a check with your phone and submit it through the bank's app—works on Sunday just like any other day, though the check may not post to your account until Monday.
Keep in mind that some ATMs are owned by third parties or located in places with limited access on Sunday (such as office buildings that close weekends). Bank-owned ATMs at grocery stores, pharmacies, and gas stations are usually accessible 24/7. If you use an out-of-network ATM, your bank may charge a fee, typically $2 to $3 per transaction.
Online and mobile banking on Sunday
Online banking platforms and mobile apps work on Sunday without interruption. You can log in, transfer money between your own accounts, send money to other people through services like Zelle or your bank's transfer tool, pay bills, and review transactions. Most banks do not take their online systems offline for maintenance on weekends, though some perform updates late Sunday night or early Monday morning.
If you send money to another person on Sunday using your bank's app or website, the transfer may process immediately (for Zelle or same-bank transfers) or may not arrive until Monday or Tuesday, depending on the receiving bank and the type of transfer. Wire transfers initiated on Sunday typically process on Monday. Check your bank's specific timing before sending urgent funds.
Paying bills and sending money on Sunday
You can set up bill payments through your bank's online portal on Sunday, and most banks will process the payment on the next business day. If you schedule a payment for a specific date, make sure that date is a business day—if you schedule a payment for Sunday, most banks automatically move it to Monday. This matters if a bill is due on Monday; you may need to pay it on Friday instead to avoid a late fee.
Peer-to-peer payment apps like Zelle, PayPal, Venmo, and Square Cash work on Sunday. Zelle transfers between banks usually arrive within minutes, even on weekends. Other apps may take longer depending on the receiving bank. Check the app's terms to see whether weekend transfers are processed immediately or held until Monday.
Speaking to a bank representative on Sunday
Most banks offer phone support during standard business hours (Monday through Friday, 8 a.m. to 5 p.m. or 6 p.m., depending on the bank). Some larger banks like Chase and Bank of America staff phone lines on Saturday and Sunday, but hours are usually shorter than weekday hours. Call your bank's main customer service number to confirm whether Sunday support is available and what hours apply.
If you have an urgent issue on Sunday and cannot reach a representative, check whether your bank offers chat support through its website or app. Some banks provide live chat seven days a week, though response times may be longer on weekends. For non-urgent questions, sending a message through your online banking portal usually gets a response by Monday morning.
What to do if you need cash on Sunday
ATMs are your fastest option for cash on Sunday. Most ATMs dispense cash 24/7, and you can withdraw up to your daily limit (typically $500 to $1,000, depending on your bank and account type). If you have reached your daily ATM withdrawal limit, you cannot withdraw more cash until the next day, even at a different ATM.
If you need cash and do not have access to an ATM, some grocery stores, pharmacies, and gas stations offer cash back when you use a debit card to make a purchase. This does not count against your ATM withdrawal limit. Alternatively, some banks partner with other banks' ATM networks, so you may be able to use an ATM from a different bank without a fee—check your bank's website to see which networks it participates in.
Frequently Asked Questions
Can I deposit a check at an ATM on Sunday?
Yes, most ATMs accept check deposits 24/7. The check will be scanned and held until Monday, when it is processed and the funds post to your account. Some banks credit checks deposited before a certain time on Friday by the next business day, but Sunday deposits typically post by Tuesday.
Will my online transfer go through on Sunday?
Transfers between accounts at the same bank usually process immediately, even on Sunday. Transfers to other banks may process the same day if sent early enough, or may wait until Monday. Zelle transfers typically arrive within minutes. Check your bank's website for specific timing on the type of transfer you are making.
What if my bank's website is down on Sunday?
Banks occasionally perform maintenance on Sunday evenings or early Monday mornings. If you cannot log in, try again in a few minutes or use the mobile app instead. If the outage lasts more than a few hours, contact your bank's customer service line to report the issue.
Do all credit unions close on Sunday?
No. Some credit unions open on Sunday, particularly those in retail locations. Check your specific credit union's website or call the branch to confirm hours, as schedules vary widely by institution and location.
Can I get a cashier's check on Sunday?
No. Cashier's checks require a teller and can only be obtained during branch hours. If you need a cashier's check urgently on a weekend, contact your bank on Friday to see whether you can arrange one in advance or ask about alternatives like a certified check or wire transfer.