Most banks close at 5 or 6 p.m. on weekdays, and many branches don't open on weekends

Whether a bank is open right now depends on three things: what day it is, what time it is, and which bank you're trying to reach. The standard weekday schedule for most U.S. bank branches is 9 a.m. to 5 p.m., though some stay open until 6 p.m. or later. On Saturday, many branches open at 9 a.m. and close by 1 or 2 p.m. Most banks are closed on Sunday entirely.

But "most" is not the same as "all." Bank of America, Wells Fargo, Chase, and Citibank all have different branch hours depending on location. A Chase branch in a busy downtown area might stay open until 7 p.m. on weekdays, while a Chase branch in a smaller town might close at 4 p.m. Credit unions often have shorter hours than national banks. Some branches close for lunch. The only way to know if a specific branch is open right now is to check that branch's hours directly.

Key Takeaways

  • Standard bank hours are 9 a.m. to 5 p.m. on weekdays, but individual branches vary by location and bank.
  • Saturday hours are usually 9 a.m. to 1 or 2 p.m., and most banks are closed on Sunday.
  • Federal holidays close all bank branches, even if the day falls on a weekday.
  • You can check a specific branch's hours by searching the bank's name plus your city on Google, or by calling the branch directly.
  • ATMs and online banking work 24/7, so you can deposit checks, transfer money, or check your balance without waiting for a branch to open.

How to find your bank's hours right now

The fastest way is to search "[Bank Name] hours near me" on Google. Google will show you nearby branches, their hours today, and whether they're currently open or closed. If you already know which branch you need, search "[Bank Name] [branch location] hours" instead.

You can also call the branch directly. The phone number is on your debit card, on your bank's website, or in your online banking app. If you're calling a national bank's main line, they can tell you the hours of any branch in the country. Credit unions often have fewer branches, so calling your local branch is usually faster than searching online.

Federal holidays when all banks close

Banks close on the same federal holidays every year, regardless of what day of the week they fall on. 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 Day (fourth Thursday in November), and Christmas Day (December 25).

If a holiday falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, they close on Monday. Some banks may also close on the day after Thanksgiving, though this is less common. If you need to do banking on or around a holiday, plan ahead or use an ATM or online banking instead.

Why some branches have different hours

Large banks operate branches with different hours based on foot traffic and staffing. A branch in a downtown financial district or shopping mall might stay open until 6 or 7 p.m. on weekdays and open on Sunday afternoon, because more customers come in during those times. A branch in a residential neighborhood might close at 4 p.m. and stay closed on weekends.

Credit unions and smaller regional banks often have shorter hours because they have fewer staff members. Some branches close for one hour at lunch, usually noon to 1 p.m., though this is becoming less common. If you rely on in-person banking, check your specific branch's schedule rather than assuming it matches the bank's main hours.

What you can do when your bank is closed

ATMs work 24/7, so you can withdraw cash, deposit checks, and transfer money between your own accounts at any time. Most banks' ATMs are free for account holders, though some charge a fee if you use an out-of-network ATM. Check your bank's app to see which ATMs are in their network near you.

Online banking and mobile apps let you transfer money, pay bills, check your balance, and set up automatic payments without visiting a branch. You can also deposit checks by taking a photo of the front and back with your phone—this is called mobile check deposit, and most banks offer it through their app. If you need to speak to someone, many banks offer phone support during extended hours, sometimes 24/7.

When you actually need to visit a branch in person

Most banking tasks can be done online or at an ATM, but some require a teller or banker. You need to visit a branch to open a new account, get a cashier's check, report a lost or stolen card in person, or discuss a loan. You also need a branch visit if you're depositing a large amount of cash, because ATMs have daily deposit limits—usually $5,000 to $10,000 depending on the bank.

If you need to do something that requires a branch visit, plan ahead and check the hours before you go. Many banks now let you schedule an appointment with a banker through their app or website, which can save you time waiting in line. Some banks also offer video banking, where you can talk to a banker over video call during extended hours.

Frequently Asked Questions

Are banks open on Saturday?

Most bank branches are open on Saturday from 9 a.m. to 1 or 2 p.m., but hours vary by location and bank. Some branches don't open on Saturday at all. Check your specific branch's hours online or by phone to be sure.

Can I deposit a check after the bank closes?

Yes. You can deposit checks at an ATM 24/7 using your debit card, or through your bank's mobile app by photographing the check. The deposit may not post to your account until the next business day, but you can submit it anytime.

What happens if I need cash on a Sunday?

Use an ATM. ATMs work 24/7 and are available at most bank branches, grocery stores, and convenience stores. You can withdraw cash anytime, though you may be charged a fee if you use an out-of-network ATM.

Do all banks have the same hours?

No. Each bank sets its own hours, and individual branches within the same bank may have different hours depending on location. Always check the hours of your specific branch rather than assuming all branches of that bank have the same schedule.

What if my bank is closed and I need to transfer money urgently?

You can transfer money online or through your mobile app 24/7. If you need to send money to someone outside your bank, you can use a wire transfer, ACH transfer, or peer-to-peer payment app like Venmo or Zelle, all of which work outside business hours.