Most banks are closed on Sunday, but you have options
The vast majority of brick-and-mortar bank branches do not open on Sunday. Chase, Bank of America, Wells Fargo, Citibank, and most regional and local banks operate Monday through Friday, with limited Saturday hours at some locations. If you need to deposit a check, withdraw cash, or speak to someone in person on a Sunday, your bank branch will not be available.
However, you can still move money and handle basic banking on Sunday through ATMs, mobile apps, and online banking. Some credit unions and a small number of banks do open on Sunday, but these are exceptions rather than the rule. The key is knowing which tools work when branches are closed.
Key Takeaways
- Most major banks close on Sunday; Chase, Bank of America, Wells Fargo, and Citibank do not have Sunday hours at standard branches.
- ATMs work 24/7 and let you withdraw cash and deposit checks (if your ATM has a deposit slot) any day of the week.
- Mobile banking apps and online banking portals let you transfer money, pay bills, and check balances on Sunday without visiting a branch.
- A small number of credit unions and banks in specific regions do open on Sunday; call your local branch or check their website to confirm hours.
- If you need to speak to a representative on Sunday, many banks offer phone support during limited weekend hours.
ATMs and deposit machines work around the clock
ATMs are available 24 hours a day, 7 days a week, including Sunday. You can withdraw cash, check your balance, and transfer money between your own accounts at any time. Most ATMs are free if they belong to your bank or are part of your bank's ATM network.
Many ATMs also have deposit slots that let you deposit checks and cash on Sunday without entering the branch. The deposit is usually processed the next business day (Monday), so the funds may not show in your account until Monday or Tuesday. Some newer ATMs can scan and deposit checks instantly, but this depends on your bank and the specific machine.
If you use an out-of-network ATM on Sunday, you may pay a fee—typically $2 to $3 per transaction. Your bank may also charge a fee for using another bank's ATM. Check your bank's website or app to find ATMs that belong to your bank's network.
Mobile apps and online banking let you handle most tasks on Sunday
You can log into your bank's mobile app or website on Sunday to transfer money between accounts, pay bills, send money to other people, and check your balance. These transactions process immediately or on the next business day depending on the type of transfer. Peer-to-peer payment apps like Venmo, PayPal, and Cash App also work on Sunday.
Wire transfers and ACH transfers initiated on Sunday may not process until Monday. If you need money to arrive on a specific day, check your bank's website to see when Sunday transfers are posted. Some banks process Sunday transfers the same day; others wait until Monday morning.
Mobile banking does not let you deposit a physical check unless your bank's app has a mobile check deposit feature. If your app supports it, you can photograph the front and back of a check and deposit it through the app on Sunday. The check clears on the next business day.
Credit unions and regional banks with Sunday hours
A small number of credit unions and regional banks do open on Sunday, but this is not standard. Hours and locations vary widely. Navy Federal Credit Union, for example, opens some branches on Sunday in certain areas. Some local credit unions and community banks also offer Sunday hours, but you need to check your specific branch.
The best way to learn about your bank or credit union has Sunday hours is to call the branch directly or visit their website and look for "hours" or "locations." Do not assume your bank is open on Sunday just because one branch is; hours differ by location. If Sunday banking is important to you, ask about it when you open an account or switch banks.
Phone support and customer service on Sunday
Many banks offer phone support on Sunday during limited hours, usually morning through early evening. You can call to ask questions about your account, report a lost card, or get help with a transaction. The phone number is usually on your debit card or bank statement.
Wait times on Sunday are often longer than on weekdays because fewer representatives are working. If your issue is not urgent, calling on Monday may get you through faster. For emergencies like a lost or stolen card, most banks have 24/7 phone lines.
What you cannot do on Sunday at a closed branch
You cannot open a new account, apply for a loan, get a cashier's check, or speak face-to-face with a banker on Sunday if the branch is closed. You also cannot deposit cash (unless you use an ATM deposit slot) or get a replacement debit card issued on the spot. If you need any of these services, you will need to visit during business hours, usually Monday through Friday.
Some banks let you start a loan application online on Sunday, but final approval and funding happen during business hours. Cashier's checks can sometimes be ordered through online banking and picked up on Monday, but this depends on your bank.
Planning ahead for Sunday banking needs
If you know you will need to bank on Sunday, deposit checks and withdraw cash on Friday or Saturday instead. Set up automatic bill pay through your bank's website so you do not have to visit a branch or ATM to pay bills. Use your mobile app to transfer money between accounts on Sunday if you need to move funds quickly.
If you regularly need banking services on weekends, look for banks or credit unions in your area that offer Saturday and Sunday hours. Some online banks like Ally and Charles Schwab do not have physical branches but offer 24/7 customer support by phone and chat, which may be helpful if you need to speak to someone outside normal business hours.
Frequently Asked Questions
Can I deposit a check at an ATM on Sunday?
Yes, if your ATM has a deposit slot. The check is usually processed the next business day, so it may not appear in your account until Monday or Tuesday. Some newer ATMs process deposits instantly, but this varies by bank and machine.
Will a transfer I make on Sunday through my bank's app process the same day?
It depends on the type of transfer. Transfers between your own accounts often process immediately. Transfers to other people's accounts may process on Sunday or wait until Monday, depending on your bank's rules. Check your bank's website for details on Sunday processing times.
What do I do if I need cash on Sunday and there is no ATM nearby?
Some grocery stores, convenience stores, and gas stations offer cash back when you use your debit card to make a purchase. This is free at most retailers. You can also look for ATMs in your bank's network using your bank's website or app.
Can I open a bank account on Sunday?
No, you cannot open an account at a closed branch on Sunday. Some banks let you start the process online, but final approval and account setup happen during business hours on weekdays.
Do online banks have Sunday hours?
Online banks do not have physical branches, so there are no "hours" in the traditional sense. However, many offer phone and chat support on Sunday during limited times. Check your online bank's website for weekend customer service hours.