Most US banks are closed on federal holidays and weekends
Whether your bank is open today depends on what day it is and which bank you use. All major US banks close on Sundays and the 11 federal holidays observed nationwide: 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 observe Good Friday, though it is not a federal holiday.
Beyond those fixed dates, individual banks set their own hours. A Chase branch might open at 9 a.m. and close at 5 p.m. on a Tuesday, while a Bank of America branch two blocks away opens at 8:30 a.m. and stays open until 6 p.m. Some branches close for lunch; others do not. Credit unions and smaller regional banks often have different schedules than the major chains.
The fastest way to know if your specific branch is open right now is to search the bank's name plus "hours" in Google Maps or visit the bank's website directly. Both will show you today's hours and whether the branch is currently open. If you need to do something today and your branch is closed, you have other options that do not depend on branch hours.
Key Takeaways
- All US banks close on Sundays and the 11 federal holidays, with some also closing on Good Friday.
- Individual branches set their own weekday hours, which vary by location and bank.
- Google Maps and the bank's official website show your specific branch's hours in real time.
- ATMs, mobile apps, and online banking work 24/7 regardless of branch hours.
- If you need to speak to someone today and your branch is closed, many banks offer phone support during limited weekend hours.
How to check if your branch is open right now
Open Google Maps on your phone or computer and search for your bank's name and branch location. The map will show a green "Open" label if the branch is currently serving customers, a red "Closed" label if it is not, and the exact hours for today. This works for Chase, Bank of America, Wells Fargo, Citibank, US Bank, and most regional banks.
If you prefer to check on the bank's own website, go to the main site and look for a "Find a Branch" or "Locations" link. Enter your zip code or address, and the bank will list nearby branches with their hours. Some banks, like Chase and Bank of America, also let you filter by services offered — for example, branches that have a safe deposit box or a mortgage specialist.
For credit unions, the same process applies: search the credit union's name in Google Maps or visit their website's branch locator. Credit union hours often differ from national banks because they are member-owned and may have fewer branches with different staffing.
What you can do when your branch is closed
Most banking tasks do not require a physical branch. You can transfer money between your own accounts, send money to someone else, pay bills, deposit checks, and check your balance through your bank's mobile app or website at any time, day or night. Mobile check deposit — taking a photo of a check through the app — works 24/7 at most banks, though the funds may not be available until the next business day.
ATMs are always available. You can withdraw cash, deposit cash or checks (at many banks), transfer money, and check your balance without waiting for a branch to open. Some ATMs charge a fee if you use a machine outside your bank's network, so look for your bank's logo on the machine if you want to avoid that cost.
If you need to speak to someone, most banks offer phone support on weekends and some evenings. The hours vary — Chase customer service, for example, is available seven days a week, but mortgage and investment services have shorter hours. Call the number on the back of your debit card or check the bank's website for the specific support hours available today.
Federal holidays when all banks close
Banks 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 (fourth Thursday in November), and Christmas (December 25).
When a 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. Good Friday (the Friday before Easter) is not a federal holiday, but many banks choose to close anyway — check your specific bank's holiday schedule on their website to be sure.
On federal holidays, ATMs and online banking still work normally. The closure only affects in-person services at the branch. If you need to do something that requires a teller or a banker, plan ahead and visit on the business day before the holiday.
Why branch hours matter less than they used to
Twenty years ago, if your branch was closed, you could not access your money or move it around. Now, the branch is mostly useful for things that require a person: opening a new account, getting a cashier's check, discussing a loan, renting a safe deposit box, or depositing large amounts of cash. For everything else — and that is most banking — you do not need the branch to be open.
This shift has changed what "bank hours" actually means. When people ask if their bank is open, they usually mean whether they can get cash or talk to someone. Both are possible outside branch hours: ATMs dispense cash 24/7, and phone support is available on weekends at most major banks. The branch itself is less critical to your banking than it was a decade ago.
What to do if you need something that requires a branch visit
If you need a service that only a branch can provide — opening an account, getting a cashier's check, discussing a mortgage, or renting a safe deposit box — and your branch is closed today, you have a few options. First, check whether another branch nearby has different hours. Some branches in busier areas stay open later or on Saturdays.
Second, call the bank's main customer service line and ask whether the service you need can be done by phone or mail. Many banks can open accounts, issue cashier's checks, and discuss loan options without you visiting in person. They may mail documents to you or set up a video call with a banker.
Third, if the task is not urgent, plan your visit for a weekday when the branch is definitely open. Most branches are open Monday through Friday from at least 9 a.m. to 5 p.m., and many open earlier or close later. Visiting during off-peak hours — mid-morning or mid-afternoon on a Tuesday or Wednesday — usually means shorter lines.
Frequently Asked Questions
Are banks open on Saturdays?
Some are, but not all. Many major banks like Chase and Bank of America open select branches on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Smaller banks and credit unions may not open on Saturday at all. Check your specific branch's hours on Google Maps or the bank's website — do not assume based on another branch's schedule.
Can I deposit a check if the bank is closed?
Yes, through mobile check deposit in the app or at an ATM that accepts deposits. Both work 24/7. The check will be processed and the funds available by the next business day. In-person deposits at a teller are only possible during branch hours.
What if I need cash and the ATM is broken?
If your bank's ATM is out of service, use an ATM from another bank. You will likely pay a fee (usually $2 to $3), but you can get cash when ready. Some banks reimburse out-of-network ATM fees if you ask, so check your account terms or call customer service.
Do online banks have branch hours?
Online banks like Ally and Charles Schwab do not have physical branches, so there are no branch hours. You handle everything through the app or website, which is available 24/7. If you need to speak to someone, phone support hours vary by bank but are often available on weekends.
Will my wire transfer go through if I send it after hours?
Wire transfers sent after hours or on weekends are usually processed the next business day. If you send a wire on Friday evening, it typically goes out Monday morning. For time-sensitive transfers, send during business hours on a weekday to may support same-day processing.