Not all banks are open on the same days, and some branches close earlier than others

Whether your bank is open today depends on which bank you use, which day of the week it is, and whether today is a federal holiday. Most banks operate Monday through Friday during standard business hours, but many now open on Saturday mornings, and some stay open until 7 or 8 p.m. on weekdays. A few banks operate Sunday hours in certain locations. The only reliable way to know if your specific branch is open is to check directly with that branch — either by calling, visiting their website, or using their mobile app.

Banks close on federal holidays even when other businesses stay open. The Federal Reserve recognizes 11 federal holidays per year when banks must close: 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, though this is not a federal requirement.

Key Takeaways

  • Most banks close on federal holidays, and this is the most common reason a bank you expect to be open will be closed.
  • Individual branches of the same bank may have different hours — one location might open at 9 a.m. while another opens at 10 a.m., and Saturday hours vary by branch.
  • The fastest way to check if your branch is open today is to call the branch directly or search the bank's website for "branch hours" plus your location.
  • If your bank is closed, you can still move money using mobile banking, ATMs, or online transfers — these work 24/7 even when branches are closed.

How to find your bank's hours for today

Most banks display branch hours on their website. Go to the bank's main website, look for a "Locations" or "Find a Branch" link, enter your zip code or address, and click on your branch. The hours for today and the next several days will appear. Some banks also show whether the branch is currently open or closed in real time.

If you cannot find the hours online, call the branch directly. The phone number is usually listed on the bank's website or on your debit card. A staff member can tell you when ready whether the branch is open today and what time it closes. This is also the fastest way to confirm whether a holiday is affecting hours.

Mobile banking apps often show branch hours too. Open your bank's app, navigate to "Locations" or "Branches," and search for your location. Some apps let you see hours for multiple days at once.

Federal holidays when all banks close

Banks in the United States close on these 11 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)
  • Christmas Day (December 25)

When a federal holiday falls on a weekend, most banks close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks typically close on Friday. Some banks also close on Good Friday (the Friday before Easter), though this is not a federal requirement.

Why branch hours vary, even within the same bank

A single bank's branches can have completely different hours. A downtown branch might be open 8 a.m. to 6 p.m. Monday through Friday, while a suburban branch opens at 9 a.m. and closes at 5 p.m. Saturday hours are especially variable — some branches open on Saturday morning, others do not open on Saturday at all. A few branches in busy areas may stay open until 7 or 8 p.m. on weekdays, while most close by 5 p.m.

Banks set branch hours based on customer traffic, staffing, and local demand. A branch in a shopping center might stay open later because customers shop in the evening. A branch in a quiet neighborhood might close earlier. The only way to know your specific branch's hours is to check that branch directly, not the bank's general hours.

What you can do when your bank branch is closed

If you need to move money and your branch is closed, you have several options that work 24/7. Mobile banking apps let you transfer money between your own accounts, send money to other people, and deposit checks by taking a photo. ATMs let you withdraw cash, deposit cash or checks, and check your balance. Online banking through a web browser works the same way as the mobile app.

If you need to speak to someone, many banks offer phone support outside of branch hours. Some banks have customer service lines open 24 hours a day. Check your bank's website or the back of your debit card for the customer service number and the hours it is staffed.

If you need to do something that requires a staff member in person — like opening a new account, getting a cashier's check, or discussing a loan — you will need to wait until the branch reopens. Most banks let you schedule an appointment online or by phone, which can save you time when you do visit.

How to check if today is a federal holiday

If you are not sure whether today is a federal holiday, the U.S. Office of Personnel Management publishes the federal holiday calendar each year on its website. You can also search "federal holidays 2024" or "federal holidays 2025" (depending on the current year) to see the full list and dates.

Some banks also note upcoming holidays on their website or send alerts through their mobile app. If you know a holiday is coming, you can check your bank's website a day or two ahead to confirm whether the branch will be closed.

Frequently Asked Questions

Are banks open on Saturday?

Many banks open on Saturday mornings, but not all branches do. Some banks open Saturday from 9 a.m. to 1 p.m., while others do not open on Saturday at all. Check your specific branch's hours on the bank's website or by calling the branch directly.

Are banks open on Sunday?

Most banks do not open on Sunday. A very small number of banks in major cities or shopping centers may have Sunday hours, but this is rare. Check your bank's website to see if your branch is one of them.

What happens if I need money on a holiday when the bank is closed?

You can withdraw cash from an ATM 24/7, even on holidays. If you need to transfer money to another account, you can do this through mobile banking or online banking. If you need to speak to a person, most banks have phone support available on holidays, though wait times may be longer.

Do all banks close on the same federal holidays?

Yes. All banks in the United States close on the 11 federal holidays recognized by the Federal Reserve. Some banks also close on Good Friday, but this varies by bank.

Can I deposit a check when the bank is closed?

Yes. Most banks let you deposit checks through their mobile app by taking a photo of the front and back of the check. You can also deposit checks at an ATM if your bank offers this service. Both methods work 24/7, even when the branch is closed.