Most U.S. banks close on federal holidays, weekends, and after 5 p.m. on weekdays

Whether your bank is open right now depends on three things: the day of the week, the time, and whether today is a federal holiday. Large banks like Bank of America, Chase, Wells Fargo, and Citibank all follow the same federal holiday schedule, but their branch hours vary by location. A Chase branch in downtown Chicago may stay open until 6 p.m., while one in a suburb closes at 5 p.m. Weekend hours are shorter or nonexistent at most branches.

The fastest way to know if your specific branch is open today is to search "[Your Bank Name] near me" on Google Maps or visit your bank's website and enter your zip code. Both will show you today's hours and whether the branch is currently open. If you need to do banking today and your branch is closed, ATMs work 24/7, and most banks now offer mobile check deposit through their app.

Key Takeaways

  • Most bank branches close at 5 p.m. on weekdays, 1 p.m. on Saturdays, and all day Sunday, though hours vary by location and bank.
  • Banks close on ten federal holidays each year: New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, and Thanksgiving.
  • Google Maps and your bank's website show your specific branch's hours for today and whether it is currently open.
  • ATMs, mobile deposit, and online banking work around the clock even when branches are closed.

Federal holidays when all U.S. banks close

Banks observe ten federal holidays when all branches nationwide are closed. 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), and Thanksgiving (fourth Thursday in November).

If today is one of these dates, no branch will be open, but you can still use ATMs, pay bills online, transfer money through your app, and deposit checks by phone or mobile app. If you need to speak to someone, most banks have holiday customer service lines, though wait times are longer. Check your bank's website for the holiday phone number.

How to check your specific branch's hours right now

The most reliable way is to open Google Maps, search your bank's name, and tap the branch closest to you. The hours for today will appear at the top, along with a green "Open" or red "Closed" label. If it says "Open," the branch is currently accepting customers. If it says "Closed," you will see when it opens next.

Alternatively, visit your bank's official website, find the "Locations" or "Find a Branch" tool, enter your zip code, and select your branch. The website will show today's hours and often let you know if the branch has reduced hours due to staffing or holidays. Some banks also let you check hours through their mobile app under "Locations" or "Branch Services."

What to do if your bank is closed today

If you need to deposit a check, use your bank's mobile app to photograph the front and back of the check and submit it. Most banks process mobile deposits within one business day. If you need cash, any ATM with your bank's logo will dispense money 24/7, even if the branch is closed.

For bill payments, transfers between accounts, and balance inquiries, use your bank's website or app. These services run around the clock. If you need to speak to a representative about a problem—a disputed charge, a frozen account, or a lost card—call the customer service number on the back of your card. Banks staff phone lines even on days when branches are closed, though wait times may be longer.

Weekend and evening hours vary by location

Most bank branches are closed on Sunday. Saturday hours typically run from 9 a.m. to 1 p.m., though some branches in busy areas stay open until 3 p.m. Weekday hours are usually 9 a.m. to 5 p.m., but branches in financial districts or shopping centers may stay open until 6 p.m. or later. A few banks, like some Chase locations in major cities, offer extended weekday hours until 7 p.m.

Because hours vary so much by location, do not assume your branch follows the standard schedule. Check your specific branch on Google Maps or your bank's website before making the trip. If you are planning to do something that requires a teller—cashing a large check, opening a new account, or getting a cashier's check—call ahead to confirm the branch is open and that they have staff available.

Banks that offer extended hours or weekend service

Some banks and credit unions offer limited Saturday service or extended weekday hours. Charles Schwab, for example, has some branches open on Saturday mornings. Many credit unions stay open one evening per week. Online banks like Ally, Charles Schwab Bank, and Discover have no physical branches but offer 24/7 phone and chat support.

If you need banking services outside normal hours, consider whether an online bank might work for you. They do not have branches, but they reimburse ATM fees nationwide, offer higher interest rates on savings, and provide customer service by phone or chat at any hour. For routine deposits and withdrawals, they work as well as a traditional bank.

Frequently Asked Questions

Are banks open on Saturdays?

Most bank branches are open on Saturday from 9 a.m. to 1 p.m., though some in busy areas stay open until 3 p.m. Check your specific branch on Google Maps or your bank's website, because hours vary widely. No branches are open on Sunday.

What if I need money and the bank is closed?

Use an ATM with your bank's logo to withdraw cash 24/7. If you need a large amount and your ATM has a daily limit, you can withdraw the maximum today and again tomorrow. For amounts larger than ATM limits, you will need to wait until the branch reopens.

Can I deposit a check if the bank is closed?

Yes, through mobile deposit. Open your bank's app, photograph the front and back of the check, and submit it. The bank will process it within one business day. You can also mail the check or deposit it at an ATM if your bank offers that service.

Do banks close on Christmas?

Christmas Day (December 25) is not a federal holiday for banking purposes, so most banks are open. However, some individual branches may close if they choose to. Call your branch or check online to confirm. If your branch is closed, you can still use ATMs and online banking.

What time do most banks close on weekdays?

Most branches close at 5 p.m. on weekdays, though some stay open until 6 p.m. or later. Check your specific branch, because hours vary by location and bank. Customer service phone lines often stay open later than branch hours.