Most banks are closed on federal holidays, Sundays, and sometimes Saturdays — but your specific branch may have different hours
Whether your bank is open today depends on three things: the day of the week, whether it is a federal holiday, and your individual branch's schedule. Large banks like Chase, Bank of America, and Wells Fargo close on the same federal holidays nationwide, but they do not all keep the same weekend hours. Some branches open on Saturday; others do not. A few banks operate on Sunday in certain locations. The only way to know for certain is to check your bank's website or call the branch directly.
If you need to deposit money, pay a bill, or speak to someone today, you have options even if your branch is closed. ATMs work 24/7. Mobile apps let you deposit checks by photograph. Many banks offer phone support during business hours. Knowing which service you actually need — and which ones do not require a human teller — can solve your problem without waiting for the branch to reopen.
Key Takeaways
- All major U.S. banks close on the same ten federal holidays each year, regardless of which day of the week they fall on.
- Weekend hours vary by bank and by branch, so a Chase location in one city may be open Saturday while another is not.
- Your bank's website or a phone call to your specific branch is the fastest way to confirm today's hours.
- ATMs, mobile check deposit, and phone support work outside branch hours for most routine transactions.
- If you need cash or a service that requires a teller, knowing the closure reason tells you when the branch will reopen.
Federal holidays when all banks close
Every federally chartered bank and most state-chartered banks close on these ten days each 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), and Thanksgiving and the day after (fourth Thursday and Friday in November), and Christmas Day (December 25).
If today is one of these dates, your bank is closed. The Federal Reserve does not process transactions on these days, so even if a branch somehow opened, you could not transfer money between accounts or access certain services. Some banks close the day after Christmas as well, though this is not required. Check your bank's holiday calendar on their website to see if they observe any additional closures beyond the federal list.
How to find your branch's actual hours today
The fastest method is to search "[Your Bank Name] hours" plus your city or zip code. Google Maps, the bank's official website, and Apple Maps all show branch locations with their hours for today. If the branch is closed, the listing usually says "Closed" in red text. If you cannot find the information online, call the branch directly — the phone number is on the bank's website or on your debit card.
When you call, ask not just whether they are open today, but why they are closed if they are. If it is a federal holiday, they will reopen tomorrow. If it is a system outage or emergency closure, the reopening date may be different. Some banks also close individual branches for renovation or staffing reasons, and those closures can last weeks.
What you can do when your bank is closed
Most banking needs do not require a teller or a branch. ATMs work around the clock and let you withdraw cash, deposit checks (at many banks), transfer money between your own accounts, and check your balance. Mobile banking apps let you deposit checks by taking a photo of the front and back, pay bills, send money to other people, and review transactions — all without leaving home.
If you need to speak to someone, call your bank's customer service line. Most large banks staff phone lines during extended hours, sometimes 24/7. You can report fraud, ask about a transaction, request a wire transfer, or discuss account issues without visiting a branch. Some banks also offer chat support through their website or app.
The one thing you cannot do remotely is cash a check that is not from your own bank, open a new account in person, or access a safe deposit box. If you need one of those services and your branch is closed, you will have to wait until it reopens or visit a different branch location if one is open nearby.
Why some banks have different weekend hours
Banks decide their own hours within the limits set by state banking law. Most banks close on Sunday and either close or open late on Saturday. Some banks in urban areas or shopping centers stay open until 6 p.m. on weekdays and open on Saturday morning. A few banks, particularly those in competitive markets or near college campuses, open on Sunday afternoon.
These decisions are made by the individual bank and sometimes by the individual branch manager. A Chase branch in downtown Chicago may have Saturday hours while a Chase branch in a suburb does not. The only way to know your branch's weekend schedule is to check online or call ahead. Do not assume that because one branch is open on Saturday, yours is too.
What to do if you need money and the bank is closed
If you need cash and your bank is closed, an ATM is your first option. Most ATMs dispense cash 24/7 if you have a debit card. If you do not have a debit card or your ATM is out of service, you can visit a different branch of your bank if one is open nearby — use the bank's branch locator tool to find locations and their hours.
If your bank has no open branches and you need cash urgently, you can visit an ATM owned by a different bank, though you will likely pay a fee ($2 to $3 is typical). Some banks reimburse out-of-network ATM fees if you use them occasionally; check your account terms. Alternatively, if you have a credit card, you can use it to make purchases instead of withdrawing cash, though a cash advance from a credit card charges interest when ready and is more expensive than an ATM fee.
Planning ahead to avoid branch closures
If you know you need to visit your bank for something that requires a teller — depositing a large check, opening an account, accessing a safe deposit box — do it on a weekday when the branch is definitely open. Most branches have longer hours on weekdays (often 9 a.m. to 5 p.m. or later) than on Saturday, and they are less crowded.
If you are traveling or moving, find your bank's branch locator on their website and save the hours of a branch near your destination. Many banks are part of shared branching networks, which means you can conduct some transactions at a different bank's branch if you are a member of a participating credit union or bank. Ask your bank whether this option is available to you.
Frequently Asked Questions
Can I use my debit card at an ATM if the bank is closed?
Yes. ATMs work 24/7 and do not depend on the branch being staffed. You can withdraw cash, deposit checks (at most banks), and transfer money between your own accounts using an ATM at any time, whether the branch is open or closed.
Do credit unions have the same holiday closures as banks?
Most credit unions close on the same ten federal holidays as banks, but some observe additional holidays or have different weekend hours. Check your credit union's website or call to confirm their schedule for today.
What if I need to deposit a check and the bank is closed?
If your bank has an ATM that accepts check deposits, you can deposit there 24/7. If not, use your mobile banking app to deposit by photograph — most banks process these within one business day. If neither option works, you can deposit the check the next business day when the branch reopens.
Can I wire money if the bank is closed?
You can request a wire transfer through your mobile app or by calling customer service, even if the branch is closed. The wire will process during the next business day. If you need the money to arrive today, it is too late — wire transfers do not process on weekends or federal holidays.
Is my money safe if the bank is closed?
Yes. Your money is in the bank's system whether the branch is open or closed. The branch closure does not affect your account balance or the security of your funds. You can still access your money through ATMs and online banking.