Most banks close at 5 or 6 p.m. on weekdays, but hours vary by branch and bank

Bank closing times are not uniform across the industry. A Chase branch in one neighborhood may close at 5 p.m. while another Chase branch across town closes at 6 p.m. Credit unions often stay open later than traditional banks. Some banks close at 4 p.m. on Fridays. The only way to know your specific branch's closing time is to check directly with that branch or look it up on the bank's website.

If you need to deposit money or withdraw cash after hours, most banks offer ATMs that work 24/7. If you need to speak to a person, you will need to visit during business hours or call during the hours your bank's customer service line is staffed.

Key Takeaways

  • Weekday closing times typically fall between 4 and 6 p.m., but individual branches set their own hours within their bank's guidelines.
  • Saturday hours are common at most banks, but Sunday hours are rare and vary widely by location and institution.
  • Banks close on federal holidays including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
  • ATMs and online banking remain available outside branch hours, but you cannot deposit checks or withdraw large amounts of cash through an ATM.
  • Credit unions and online banks often have different hours than traditional brick-and-mortar banks, so check your specific institution.

Typical weekday hours for most banks

Most traditional banks open between 8 and 9 a.m. on weekdays and close between 4 and 6 p.m. The most common closing time is 5 p.m., though some branches close at 4 p.m. or stay open until 6 p.m. A few banks in busy downtown areas or shopping centers may stay open until 7 p.m., but this is less common.

The bank's website will show hours for each individual branch. If you cannot find the hours online, call the branch directly. Do not assume that all branches of the same bank have identical hours — they do not.

Saturday and Sunday hours

Most banks are open on Saturday, typically from 9 a.m. to 1 or 2 p.m. Some larger branches stay open until 3 or 4 p.m. on Saturday. Hours are shorter than weekdays and vary significantly by location.

Sunday hours are much less common. Many banks are closed on Sunday entirely. Banks that do open on Sunday usually operate only in major metropolitan areas and typically open at 10 a.m. and close by 2 p.m. If you need banking services on Sunday, check your specific branch's website first rather than assuming it will be open.

Federal holidays when banks close

Banks close on all federal holidays. The full list includes 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 may also close on Good Friday, though this is not a federal holiday.

On these days, branch locations are closed and you cannot deposit checks in person or withdraw cash at the teller window. ATMs remain available, and online banking continues to function. If you need to deposit a check on a holiday, you can use a mobile deposit feature through your bank's app if your bank offers it, or deposit it the next business day.

Credit unions and online banks have different schedules

Credit unions often stay open later than traditional banks — some until 6 or 7 p.m. on weekdays. However, credit unions are typically smaller operations with fewer branches, so hours vary more widely. Check your specific credit union's website for accurate hours.

Online banks like Ally, Charles Schwab, and Marcus have no physical branches, so there are no branch closing times. These banks operate through their websites and apps 24/7. Customer service phone lines may have limited hours, but your account itself is always accessible online.

What to do if you need banking services outside branch hours

ATMs are available 24/7 at most banks and allow you to withdraw cash, deposit cash, and check your balance. However, ATMs cannot process check deposits at all banks — some banks require you to use a mobile app to deposit checks, while others require you to visit a branch. If your bank offers mobile check deposit, you can photograph the front and back of a check through the app and submit it anytime, day or night.

If you need to speak to a customer service representative outside branch hours, call your bank's customer service line. Most banks staff these lines during extended hours — often 7 a.m. to 10 p.m. on weekdays and shorter hours on weekends. The phone number is on the back of your debit card or on your bank's website.

Planning ahead for time-sensitive transactions

If you need to make a large cash withdrawal or deposit, do it during branch hours when you can speak to a teller. Withdrawals over a certain amount (usually $10,000) trigger federal reporting requirements, and the teller needs to process this correctly. ATMs have daily withdrawal limits, typically between $500 and $1,000 per day, so you cannot withdraw large amounts through an ATM.

If you are closing an account or need to discuss a problem with your account, you must do this during branch hours. Plan ahead so you do not find yourself locked out of a necessary transaction because the branch has closed.

Frequently Asked Questions

Can I deposit a check after the bank closes?

If your bank offers mobile check deposit through its app, yes — you can photograph and submit a check anytime. If not, you will need to visit an ATM that accepts check deposits, or wait until the branch reopens. Some banks allow check deposits through ATMs, but not all do.

Do banks close earlier on Friday?

Some banks close at 4 p.m. on Friday while staying open until 5 or 6 p.m. on other weekdays, but this is not universal. Check your specific branch's hours. Many banks now keep the same hours Monday through Friday.

What happens if I try to use the ATM after the bank closes?

ATMs work 24/7 regardless of branch hours. You can withdraw cash, deposit cash, and check your balance anytime. However, transactions may not post to your account until the next business day.

Are credit unions open on weekends?

Some credit unions are open on Saturday, but hours and availability vary widely. Most credit unions are closed on Sunday. Check your credit union's website for its specific weekend hours.

Can I do banking on a federal holiday?

Branch locations are closed, but ATMs work 24/7 and online banking is available. If your bank offers mobile check deposit, you can deposit checks through the app. Any transactions you make will process the next business day.