Most banks close at 5 or 6 p.m. on weekdays, stay open until noon or 1 p.m. on Saturdays, and close entirely on Sundays

Bank hours vary by branch and by bank, but the pattern is consistent: weekday closing time is usually between 5 and 6 p.m., Saturday hours run from 9 a.m. to noon or 1 p.m., and almost no branches open on Sunday. Some banks in urban areas or inside grocery stores stay open later or on Sunday, but these are exceptions. The only way to know your specific branch's hours is to search for it by name and location.

If you need to deposit a check or withdraw cash outside branch hours, most banks offer ATMs that work 24/7. If you need to speak to a person—to dispute a charge, open an account, or get a loan—you must call or visit during business hours. Phone lines also close at the same time as branches, so calling at 7 p.m. on a weekday will reach voicemail.

Holiday closures are separate from regular hours. Banks close on federal holidays like New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some banks also close on Good Friday or other religious holidays depending on their location. If a holiday falls on a weekend, the bank may close on the nearest weekday instead.

Key Takeaways

  • Weekday branch hours are typically 9 a.m. to 5 or 6 p.m., with Saturday hours from 9 a.m. to noon or 1 p.m.
  • ATMs are available 24/7 at most banks, even when branches are closed.
  • Banks close on all federal holidays, and some also close on religious holidays like Good Friday.
  • Your specific branch's hours may differ, so search your bank's website or call to confirm before you go.
  • If a holiday falls on a weekend, the bank closure may shift to the nearest weekday.

How to find your bank's exact hours

Every major bank has a branch locator tool on its website. Go to your bank's homepage, look for "Find a Branch" or "Locations," enter your zip code or address, and the tool will show you the hours for each nearby branch. This is the fastest way to confirm whether your branch is open today or tomorrow.

If you cannot find the hours online, call the branch directly. The phone number is listed in the branch locator. If you call outside business hours, the voicemail will usually state the hours at the end of the message. You can also text your bank's customer service number if your bank offers that option—many do—and ask about a specific branch's hours.

Google Maps also shows bank hours if you search for your bank by name and location. The hours displayed are usually current, though they may lag by a day or two if the bank recently changed its schedule.

Federal holidays when banks close

Banks close on these federal holidays every year: New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, most banks close on Monday. Some banks may close on the observed date rather than the actual date, so if you are planning a transaction around a holiday, check your bank's holiday schedule on its website or call ahead.

A few banks also close on Good Friday (the Friday before Easter) or other religious holidays, depending on their headquarters location and customer base. This is less common but worth checking if your bank is regional or faith-based.

What you can do when your bank is closed

ATMs work around the clock at most banks. You can withdraw cash, deposit checks (if your ATM has a check deposit slot), transfer money between accounts, and check your balance without visiting a branch. ATM fees may apply if you use a machine outside your bank's network, so look for your bank's logo on the machine before you use it.

Online banking is available 24/7. You can pay bills, transfer money, set up automatic payments, and monitor your account from your computer or phone at any time, even on holidays or in the middle of the night. If you need to dispute a charge or report fraud, you can start the process online, though a representative may need to follow up during business hours.

Mobile check deposit lets you photograph a check and submit it through your bank's app without visiting a branch or ATM. Most banks process mobile deposits within one business day. This is useful if you receive a check after hours or on a weekend.

If you need to speak to a person outside branch hours, some banks offer phone support on weekends or evenings, though this is not standard. Credit unions sometimes have longer hours than traditional banks. If your bank's hours do not work for you, switching to a bank or credit union with extended hours or better online tools may be worth considering.

Why banks close on weekends and holidays

Banks close on Sundays because federal banking regulations do not require them to stay open seven days a week, and most banks decided long ago that Sunday closures save money on staffing and operations. Some banks in major cities or inside grocery stores do open on Sunday, but they are the minority. The decision to close is a business choice, not a legal requirement.

Federal holidays are different. Banks are required by law to close on federal holidays. The Federal Reserve, which oversees the banking system, does not process transactions on these days, so banks cannot clear checks or move money between accounts even if they wanted to stay open. Staying open would mean staff could not complete transactions, making it pointless.

Weekend and holiday closures also reflect the fact that most banking now happens online or through ATMs. Fewer people need to visit a branch in person, so banks have reduced their physical footprint and hours. If you bank primarily online, branch hours may not matter to you at all.

Planning around bank closures

If you need to deposit a check before a deadline, do it at least one business day before the deadline. A check deposited on Friday may not clear until Monday, and a check deposited on a holiday will not clear until the next business day after that. If the deadline is a Monday and Monday is a holiday, you need to deposit by the previous Friday.

If you are expecting a wire transfer or ACH payment, remember that these do not process on weekends or federal holidays. A payment sent on Friday evening may not arrive until Tuesday. If you need money by a specific date, ask the sender to initiate the transfer early enough to account for weekend or holiday delays.

For bill payments, set up automatic payments or pay online at least two business days before the due date. If the due date falls on a weekend or holiday, the payment is due on the next business day, but do not rely on this—pay early to avoid late fees.

Frequently Asked Questions

Can I withdraw money from an ATM if the bank is closed?

Yes. ATMs work 24/7, even when the branch is closed, on weekends, and on holidays. You can withdraw cash, deposit checks (if the ATM has a deposit slot), and check your balance anytime. Some ATMs charge a fee if you use a machine outside your bank's network.

Do all banks close on the same holidays?

Yes, all banks close on the 11 federal holidays recognized by the Federal Reserve. Some regional or faith-based banks may also close on Good Friday or other religious holidays. Check your specific bank's holiday schedule on its website to be sure.

What time do banks usually open in the morning?

Most banks open at 9 a.m. on weekdays, though some open as early as 8 a.m. and others at 10 a.m. Check your branch's hours online or call to confirm, because opening time varies by location and bank.

Can I deposit a check on Sunday?

You can deposit a check at an ATM on Sunday if your ATM has a check deposit slot. Mobile check deposit through your bank's app also works on Sunday. However, the check will not clear until the next business day, which may be Monday or Tuesday if Monday is a holiday.

What happens if I need to speak to someone when the bank is closed?

Call during business hours or use your bank's online chat or messaging feature if available. Some banks offer phone support on Saturday mornings or evenings, but this is not standard. For urgent issues like fraud, most banks have a 24/7 fraud hotline listed on the back of your debit card.