Most banks open at 9 a.m. on weekdays, but hours vary by branch and bank
Bank hours are not uniform across the country. The largest banks—Chase, Bank of America, Wells Fargo, Citibank, and US Bank—typically open their branches at 9 a.m. on Monday through Friday, but some open as early as 8 a.m. and others at 10 a.m. depending on the location. Saturday hours usually start at 9 a.m. or 10 a.m. and run until 1 p.m. or 2 p.m. Most banks do not open on Sunday, though some branches in urban areas or inside grocery stores may have limited Sunday hours.
Your specific branch's hours depend on where it is located, whether it is a full-service branch or a smaller location, and the bank's regional policies. A Chase branch in downtown Chicago may have different hours than a Chase branch in a suburban strip mall. The only reliable way to know your branch's exact hours is to check directly with that location.
Key Takeaways
- Weekday opening time for most major bank branches is 9 a.m., though some open at 8 a.m. and others at 10 a.m.
- Saturday hours typically run from 9 a.m. or 10 a.m. until 1 p.m. or 2 p.m., and most banks are closed Sunday.
- Hours vary significantly by individual branch location, so you should confirm your specific branch's schedule before visiting.
- You can find your branch's hours on the bank's website, by calling the branch directly, or by using Google Maps or Apple Maps.
How to find your specific branch's hours
The fastest way is to search the bank's website. Most major banks have a branch locator tool where you enter your zip code or address and see a list of nearby branches with their hours listed. Chase, Bank of America, Wells Fargo, and Citibank all have this feature on their homepages.
If you do not have internet access or prefer to call, phone your branch directly. The number is usually on your debit card or bank statements. A staff member can tell you today's hours and whether the branch has any holiday closures coming up.
Google Maps and Apple Maps also show bank branch hours. Search the bank name and your location, and the hours appear in the business listing. This method works even if you do not have a customer account with that bank.
Opening times for major banks
These times are typical but not may provide for every branch. A branch inside a grocery store may have different hours than a standalone location. Urban branches often stay open later than suburban ones. Always check your specific branch before making a trip.
| Bank | Typical Weekday Opening | Typical Saturday Opening | Sunday |
|---|---|---|---|
| Chase | 9 a.m. | 9 a.m. or 10 a.m. | Closed (some locations open 11 a.m.–3 p.m.) |
| Bank of America | 9 a.m. | 9 a.m. or 10 a.m. | Closed (some locations open 11 a.m.–3 p.m.) |
| Wells Fargo | 9 a.m. | 9 a.m. or 10 a.m. | Closed (some locations open 10 a.m.–2 p.m.) |
| US Bank | 9 a.m. | 9 a.m. or 10 a.m. | Closed |
| Citibank | 9 a.m. or 10 a.m. | 10 a.m. | Closed |
Regional banks and credit unions often have different hours than national chains. A local credit union might open at 8:30 a.m. and close at 5:30 p.m., or it might have more limited hours on Saturday. The branch locator on your bank's website will show the exact schedule for the location you plan to visit.
Why bank hours matter for refunds and payments
If you are waiting for a refund to be deposited into your account, the bank's opening hours do not affect when the deposit arrives—that happens overnight through the automated clearing house, regardless of whether the bank is open. However, if you need to speak with someone about a deposit that has not shown up, you will need to visit or call during business hours.
For checks or cash refunds you need to deposit or cash, you must visit during open hours. If a refund check arrives on a Friday afternoon and you need the money over the weekend, you cannot deposit it until Monday morning. Some banks offer mobile deposit through their app, which lets you photograph the check and submit it without visiting a branch—this works 24 hours a day.
Holiday closures and extended hours
Banks close on federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close on Good Friday. On these days, no branches are open and no transactions process.
Around major holidays, some banks extend their hours on the days before and after. A branch might open at 8 a.m. instead of 9 a.m. or stay open until 6 p.m. instead of 5 p.m. Check your branch's website or call ahead if you are planning to visit near a holiday.
What to do if you cannot visit during business hours
Most banks offer 24-hour customer service by phone. You can call to ask about a deposit, report a missing refund, or get information about your account at any time. The phone number is on your debit card and bank statements.
Online banking and mobile apps let you check your account balance, transfer money, and deposit checks any time of day. If you need to deposit a refund check, use mobile deposit in the app rather than waiting for a branch to open. If you need cash, use an ATM—most banks have them available 24 hours, though some charge a fee if you use an ATM from a different bank.
Frequently Asked Questions
Do banks open earlier on payday?
No. Banks do not change their opening time based on the day of the month. Your paycheck or refund will be deposited into your account overnight, and you can check your balance through the app or ATM before the branch opens. If you need to speak with someone about the deposit, you will have to wait until regular business hours.
Can I cash a refund check at an ATM?
No. ATMs only accept deposits—they cannot cash checks. You must visit a branch during business hours to cash a check, or use mobile deposit in the bank's app to deposit it to your account and then withdraw the cash from an ATM.
What if my bank branch is inside a grocery store—do they have different hours?
Often yes. A bank branch inside a grocery store may open later and close earlier than a standalone branch, and it may close on Sundays when the grocery store is open. Check the specific branch's hours on the bank's website or by calling the grocery store's customer service line.
Can I deposit a refund check after the bank closes?
Not at a teller window. If your bank offers mobile deposit through its app, you can photograph the check and submit it any time, even after hours. The deposit will process overnight and show in your account by the next business day.
Are bank hours the same on the day before a holiday?
Usually yes, but some branches extend their hours on the business day before a federal holiday. Call your branch or check the website to confirm if you are planning to visit the day before a holiday closure.