Most banks close between 4 p.m. and 6 p.m. on weekdays, but the exact time depends on your bank and branch
Bank closing times are not uniform across the industry. Large national banks like Chase, Bank of America, and Wells Fargo typically close at 5 p.m. or 6 p.m. on weekdays, though some branches close as early as 4 p.m. Regional banks and credit unions often close between 4 p.m. and 5 p.m. Saturday hours are shorter—usually 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m.—and most banks are closed on Sundays.
The fastest way to find your specific branch's closing time is to search your bank's name plus "hours" on Google Maps, or call the branch directly. Many banks also display hours on their website's branch locator tool. If you are planning to visit in person, checking ahead takes two minutes and saves a wasted trip.
Key Takeaways
- Weekday closing times range from 4 p.m. to 6 p.m., with 5 p.m. being most common for large national banks.
- Saturday hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., and most banks do not open on Sunday.
- You can check your branch's exact hours on Google Maps, your bank's website, or by calling the branch.
- ATMs, online banking, and mobile apps let you deposit checks, transfer money, and check balances outside branch hours.
- If you need cash after hours, ATMs are available 24/7, though some may have daily withdrawal limits.
Why banks close earlier than you might expect
Banks close in the afternoon because most customer transactions happen in the morning and early afternoon. Tellers process deposits and withdrawals, and loan officers meet with customers during these peak hours. After 3 p.m., foot traffic drops sharply, so keeping the branch open costs more than the revenue it generates.
Banks also need time after closing to reconcile cash drawers, process the day's transactions, and prepare for the next day. This back-office work typically takes one to two hours and cannot happen while customers are still in the building. Holiday schedules also affect hours—most banks close on federal holidays like Thanksgiving, Christmas, and New Year's Day, even if they normally open on that day of the week.
How to access money and services after your bank closes
ATMs are available 24/7 at most banks and let you withdraw cash, deposit checks, and check your balance without visiting a branch. Some ATMs have daily withdrawal limits—often $500 to $1,000—so if you need more cash, you may need to make multiple withdrawals or plan ahead. ATMs outside your bank's network usually charge a fee of $2 to $3 per transaction, though your bank may reimburse some out-of-network fees.
Mobile banking apps and online banking portals let you transfer money between accounts, pay bills, and deposit checks by photograph 24 hours a day. Most banks' mobile apps include a mobile check deposit feature—you photograph the front and back of a check, and the bank processes it without you visiting a branch. Transfers between your own accounts are usually instant, while transfers to other people's accounts at different banks take one to three business days.
If you need to speak with someone after hours, many banks offer phone support during extended hours or 24/7. Credit unions often have shorter branch hours than national banks but may offer phone support or online chat during evening hours. Check your bank's website or app for a customer service number and the hours they are available.
Weekend and holiday hours for common banks
| Bank | Typical Weekday Close | Saturday Hours | Sunday |
|---|---|---|---|
| Chase | 5 p.m. to 6 p.m. | 9 a.m. to 1 p.m. | Closed |
| Bank of America | 5 p.m. to 6 p.m. | 9 a.m. to 2 p.m. | Closed |
| Wells Fargo | 5 p.m. to 6 p.m. | 9 a.m. to 1 p.m. | Closed |
| Citibank | 4 p.m. to 6 p.m. | 9 a.m. to 2 p.m. | Closed |
| Credit unions (varies) | 4 p.m. to 5 p.m. | 9 a.m. to 12 p.m. | Closed |
These times are typical but not may provide—individual branches may vary by location and staffing. Some branches in busy urban areas stay open later, while branches in smaller towns may close earlier. Always confirm your specific branch's hours before making a trip.
What to do if you need cash or banking services right now
If your bank is closed and you need cash immediately, find an ATM. Most ATMs are located at the bank's main branch, inside grocery stores, gas stations, and convenience stores. You can search for nearby ATMs on your bank's website or app, or use a third-party ATM locator like Allpoint or MoneyPass.
If you need to deposit a check after hours, use mobile check deposit through your bank's app if you have not already. If you do not have a smartphone or the app is not working, you can mail the check to your bank's address (usually listed on your statements or the bank's website), though it will take several business days to clear. Some banks also offer night deposit boxes at their branches—a secure slot where you can deposit checks and cash envelopes after hours, though the deposits are not processed until the next business day.
If you need to speak with someone urgently, call your bank's customer service line. Most large banks have 24/7 phone support for account issues, fraud reports, and lost card replacement. Credit unions may have more limited phone hours, so check your account materials or website for the number and hours available.
Planning ahead to avoid after-hours problems
The easiest way to avoid needing the bank after it closes is to handle routine transactions during business hours or through your mobile app. Set up automatic bill payments so you do not have to visit a branch to pay bills. Deposit checks using mobile check deposit as soon as you receive them, rather than waiting until the weekend. If you know you will need cash on a weekend, withdraw it on Friday before the bank closes.
If you use a credit union, ask whether it participates in a shared branching network. Many credit unions belong to networks like CO-OP or Alliant that let you visit other credit union branches to withdraw cash or make deposits, even if they are not your home branch. This can be useful if you travel or need banking services on a weekend when your branch is closed.
Frequently Asked Questions
Can I deposit a check after the bank closes?
Yes, using mobile check deposit through your bank's app. Photograph the front and back of the check, and the bank processes it without you visiting a branch. If you do not have the app, you can use a night deposit box at your branch, though the check will not be processed until the next business day.
Do banks stay open later on certain days?
Some branches stay open one hour later on Thursday or Friday, but this varies by location and bank. Call your branch or check your bank's website to see if yours does. Most branches close at the same time every weekday.
What happens if I try to withdraw money from an ATM after my daily limit?
The ATM will decline the transaction and return your card. You can try again the next day, or withdraw from a different ATM if your bank has multiple machines. Some banks let you request a higher limit by calling customer service.
Are credit unions open different hours than banks?
Credit unions typically close earlier than large national banks—often at 4 p.m. or 5 p.m. on weekdays—and have shorter Saturday hours. However, many credit unions offer phone support or online services during extended hours. Check your specific credit union's hours on their website.
Can I transfer money to someone else's account after the bank closes?
Yes, through your online banking portal or mobile app. Transfers to accounts at the same bank are usually instant. Transfers to other banks take one to three business days, regardless of when you initiate them.