Most banks are closed on weekends and federal holidays, open Monday through Friday from 9 a.m. to 5 p.m., and some branches have extended hours or Saturday service

Whether a bank is open today depends on three things: what day it is, whether it is a federal holiday, and which specific branch you want to visit. A bank closed on Saturday might have one location open; a bank closed on a holiday might reopen the next business day. The fastest way to know is to search the bank's name plus "hours" in Google Maps, call the branch directly, or check the bank's website — each method takes under two minutes and gives you the actual hours for that location.

If you need to move money today and your bank is closed, you have other options: ATMs work 24/7, many banks offer mobile deposit through their app, and some credit unions and online banks process transfers on weekends. The method that works depends on what you are trying to do and how urgently you need it done.

Key Takeaways

  • Most bank branches operate Monday through Friday, 9 a.m. to 5 p.m., but hours vary by location and some branches open on Saturday.
  • Federal holidays close all bank branches, including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
  • Google Maps, the bank's website, or a phone call to your branch will show you the exact hours for today in under two minutes.
  • ATMs, mobile deposit, and online transfers work outside regular branch hours if you need to move money when the bank is closed.
  • Credit unions and online banks sometimes have different holiday schedules than traditional banks, so check before assuming they are closed.

How to check if a specific branch is open today

Open Google Maps on your phone or computer, search for your bank's name and the city or neighborhood where the branch is located, and click on the branch. The hours appear on the right side of the screen, with today's hours highlighted. If today is a holiday, the listing usually shows "Closed" in red. This takes about 30 seconds and works for any bank with a physical location.

If you do not have internet access or want to confirm before you drive there, call the branch directly. The phone number is on the bank's website or in your statements. A staff member can tell you whether the branch is open today and whether they can handle what you need to do — some branches do not offer certain services, and knowing this before you arrive saves a trip.

The bank's website also lists branch hours, usually under a "Locations" or "Find a Branch" tab. Some banks let you filter by city or zip code, which is useful if you are traveling and need to find a branch near you.

Federal holidays when all banks close

Banks close on the same federal holidays every year. These are: 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 (fourth Thursday in November), and Christmas (December 25).

When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks close on Friday. If New Year's Day falls on a Sunday, banks close on Monday. Check your bank's website or call ahead if a holiday falls on a weekend, because some banks observe the holiday on the actual date and others observe it on the nearest business day.

Credit unions and online banks follow the same federal holiday schedule, so they are also closed on these dates. However, online banking services — transfers, bill pay, mobile deposit — continue to work even when the bank is closed; they just process the next business day.

What you can do when your bank is closed

ATMs work 24 hours a day, seven days a week, so you can withdraw cash, deposit checks (if your bank's ATM has a deposit slot), and check your balance any time. If you need to deposit a check and your bank is closed, use mobile deposit instead: open your bank's app, take a photo of the front and back of the check, and submit it. The check clears the next business day, just as it would if you deposited it in person.

Transfers between your own accounts or to another person's account can be done through your bank's app or website, even when the branch is closed. The transfer processes when ready if both accounts are at the same bank, or within one to three business days if the receiving account is at a different bank. If you need the money to arrive today and the receiving bank is closed, the transfer will land in their account the next business day.

If you need to speak to someone about a problem — a disputed charge, a frozen account, or a question about a loan — and the branch is closed, call the bank's customer service number. Most banks have a phone line open on weekends and holidays, though wait times are often longer than during business hours. For urgent issues, some banks offer chat support through their website or app.

Banks with extended hours or weekend service

Some bank branches stay open past 5 p.m. on weekdays, usually until 6 p.m. or 7 p.m. A few branches open on Saturday mornings, typically from 9 a.m. to 1 p.m. or 2 p.m. These hours vary widely by location and by bank, so check Google Maps or call your branch to see whether yours offers extended or weekend hours.

Online banks and some credit unions do not have physical branches, so there is no "open" or "closed" in the traditional sense. You can use their apps and websites at any time, and customer service is often available on weekends and holidays. If you need to deposit a check or withdraw cash, you can use any ATM in their network, which typically includes thousands of machines nationwide.

What happens if you need cash and the ATM is out of service

If your bank's ATM is broken or out of cash, you can use an ATM from a different bank. Most ATMs charge a fee — usually $2 to $3 — if you use a machine that is not your bank's. Some banks reimburse out-of-network ATM fees if you use them a certain number of times per month, so check your account terms.

If you need cash urgently and cannot reach an ATM, some retailers — grocery stores, pharmacies, and convenience stores — offer cash back when you use a debit card to make a purchase. This is free and works even when banks are closed, as long as the retailer is open.

Frequently Asked Questions

Are banks open on Saturday?

Some branches are open on Saturday mornings, usually from 9 a.m. to 1 p.m., but many are not. Check Google Maps or call your specific branch to confirm. If your branch is closed on Saturday, you can still use ATMs, mobile deposit, and online transfers.

What time do banks close on Friday?

Most banks close at 5 p.m. on Friday, though some stay open until 6 p.m. or 7 p.m. Check your branch's hours on Google Maps or the bank's website. ATMs and online banking work 24/7, so you can move money after the branch closes.

Can I deposit a check when the bank is closed?

Yes, through mobile deposit in your bank's app. Take a photo of the front and back of the check and submit it. The check clears the next business day. Some ATMs also accept check deposits, though not all machines have this feature.

Do online banks close on holidays?

Online banks do not have physical branches, so there is no "closed" status. You can use their apps and websites on holidays. Customer service hours may be limited, but transfers and other transactions process normally, though they may not post until the next business day.

What should I do if I need to speak to someone and the bank is closed?

Call the bank's customer service number, which is usually available on weekends and holidays. Wait times are often longer than during business hours. Some banks also offer chat support through their website or app.