Most banks open at 9 a.m. and close between 4 and 6 p.m. on weekdays, with limited or no hours on weekends

Bank hours vary by location and institution. A typical branch opens at 9 a.m. on Monday through Friday and closes at 4 p.m., though some stay open until 5 or 6 p.m. Saturday hours, when available, are usually 9 a.m. to 1 p.m. Most banks do not open on Sunday, and federal holidays close all branches nationwide.

The only reliable way to know your specific branch's hours is to call the branch directly or check your bank's website. Hours change seasonally, during holidays, and without notice. If you need to visit today or tomorrow, do not assume standard hours — verify first.

Key Takeaways

  • Weekday hours are typically 9 a.m. to 4 or 5 p.m., but your branch may differ, so call or check online before you go.
  • Most branches close on Saturday afternoon or do not open at all, and nearly all are closed on Sunday.
  • ATMs and online banking work 24/7, so you can deposit checks, transfer money, and check balances outside branch hours.
  • Mobile check deposit through your bank's app lets you deposit checks from home without visiting a branch.
  • If you need cash or a service that requires a teller, plan your visit during weekday morning hours when lines are shortest.

How to find your bank's hours right now

Open your bank's website or mobile app and search for "branch locator" or "hours." Enter your zip code or the address of the branch you plan to visit. The result will show today's hours, tomorrow's hours, and the full weekly schedule. This takes 30 seconds and is more accurate than calling.

If you cannot find the hours online, call the branch directly. The main customer service number on your bank card will transfer you, or you can search "[Bank Name] [Your City] branch" and call the local number. Ask whether the branch is open today and what time it closes.

What you can do outside branch hours

ATMs are available 24 hours a day at most banks. You can withdraw cash, deposit cash or checks, transfer money between accounts, and check your balance. ATM deposits are usually available when ready for withdrawals, though some banks hold the funds for one business day.

Online banking and mobile apps work around the clock. You can transfer money between your own accounts, pay bills, set up automatic payments, and check your balance. Transfers to other banks typically process within one to three business days, depending on the receiving bank.

Mobile check deposit, available through most bank apps, lets you photograph the front and back of a check and deposit it without visiting a branch. The check clears within one to three business days. This is the fastest way to deposit a check outside business hours.

When you need a teller and the branch is closed

Some banks offer video teller services through their app or website. You can speak to a live teller via video call to handle transactions like withdrawals, deposits, or account changes. Hours for video tellers vary — some banks offer them until 8 p.m. on weekdays or on Saturday mornings. Check your app or website to see whether your bank offers this service and what hours it covers.

If you need cash urgently and the branch is closed, use an ATM. If you need a service only a teller can provide — such as a cashier's check, a wire transfer, or account verification — you will have to wait until the branch reopens. Plan ahead if you know you will need these services.

Holiday closures and special hours

All banks close on federal holidays: 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.

Many banks reduce hours or close branches the day after Thanksgiving and on Christmas Eve. Check your bank's website in early November and December to see whether your branch has special hours during the holiday season.

Planning your visit during business hours

Weekday mornings between 9 and 11 a.m. typically have the shortest lines. Lunch hours (noon to 1 p.m.) and late afternoon (after 4 p.m.) are busiest. If you need to speak to a banker about a loan, account issue, or investment, call ahead and ask to schedule an appointment. This guarantees someone will be available and reduces your wait time.

Bring your ID and any documents relevant to your transaction — a check you want to deposit, a bill you want to pay, or paperwork for an account change. Having these ready speeds up the process and means you will not have to make a second trip.

Frequently Asked Questions

Are banks open on Saturday?

Some branches open on Saturday mornings, usually from 9 a.m. to 1 p.m., but many do not. Call your branch or check online to confirm. Most banks do not open on Sunday.

Can I deposit a check after the bank closes?

Yes, through an ATM or mobile check deposit. ATM deposits are available when ready for withdrawal, though some banks hold the funds for one business day. Mobile check deposit typically clears within one to three business days.

What if I need cash and the ATM is out of service?

Visit another ATM at a different branch or a partner bank location. Most banks are part of a network that lets you use other branches' ATMs without a fee. If you cannot find a working ATM, wait until the branch reopens during business hours.

Do banks have different hours during the holidays?

Yes. All banks close on federal holidays. Many also reduce hours or close on the day after Thanksgiving and Christmas Eve. Check your bank's website in November and December for the specific schedule.

Can I do everything online that I can do at a branch?

Most routine transactions — transfers, bill payments, deposits, and balance checks — work online or through an app. Services like cashier's checks, wire transfers, and account verification require a teller and can only be done during branch hours or through video teller services if your bank offers them.