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

Whether a bank is open right now depends on which bank, which day of the week it is, and whether today is a federal holiday. The major banks operating in Massachusetts—Bank of America, Citizens Bank, Eastern Bank, and Santander—all keep similar weekday schedules, but their Saturday and Sunday hours vary. If you need to visit a branch in person, calling ahead or checking the bank's website takes 30 seconds and saves a wasted trip.

Federal holidays close all bank branches nationwide. In 2024 and 2025, these include 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. If today is one of those days, no branch will be open, though ATMs and online banking remain available.

Key Takeaways

  • Most Massachusetts bank branches open at 9 a.m. on weekdays and close between 4 and 6 p.m., with hours varying by location and institution.
  • Saturday hours are limited or nonexistent at most branches; some banks offer Saturday morning service from 9 a.m. to 1 p.m., but many do not.
  • All banks close on federal holidays, though ATMs and online banking work on those days.
  • The fastest way to confirm whether a specific branch is open is to search the bank's name plus "hours" or call the branch directly.

Weekday hours at major Massachusetts banks

Bank of America branches in Massachusetts typically open at 9 a.m. and close at 5 or 6 p.m. Monday through Friday. Citizens Bank, the largest regional bank in New England, keeps similar hours: 9 a.m. to 5 p.m. at most locations, with some branches staying open until 6 p.m. Eastern Bank, a Massachusetts-based mutual bank, opens at 9 a.m. and closes between 4:30 and 5:30 p.m. on weekdays.

These are typical hours, not may provide hours. Individual branches may open later or close earlier, especially in smaller towns or inside grocery stores. A branch inside a supermarket may close when the store closes, which could be 9 or 10 p.m., or it may close at the standard 5 p.m. regardless of store hours. The only way to know your specific branch's hours is to look them up or call.

Saturday and Sunday hours vary widely

Most Massachusetts bank branches do not open on Sunday. Saturday hours are inconsistent: some branches open from 9 a.m. to 1 p.m., others from 9 a.m. to 2 p.m., and many do not open at all. Bank of America and Citizens Bank typically offer Saturday service at larger branches in urban and suburban areas, but rural branches often close on Saturday.

If you need banking services on a weekend, call ahead. Do not assume a branch is open just because the bank operates in your town. Branches inside supermarkets sometimes keep different hours than standalone locations, and some grocery-store branches close earlier on Saturday than their parent bank's standard hours.

How to find your bank's hours right now

The fastest method is to search "[Bank Name] hours near me" in Google Maps or your phone's maps app. This shows all nearby branches, their hours today, and whether they are currently open. The second method is to visit the bank's website, find the branch locator tool, enter your zip code, and click on the branch you want to visit.

If you are already at or near a branch, look for posted hours on the door or window. If you cannot find the information online, call the branch directly. The phone number is usually on the bank's website or in your account statements. Calling takes two minutes and eliminates doubt.

What to do if your bank is closed

ATMs work 24 hours a day, every day, including federal holidays and weekends. You can withdraw cash, deposit checks (at most banks), transfer money between accounts, and check your balance without visiting a branch. If you need to speak with someone, most banks offer phone support during extended hours—often 7 a.m. to 9 p.m. on weekdays and shorter hours on weekends.

Online banking lets you pay bills, transfer money, and manage accounts without leaving home. If your issue requires a teller—such as depositing a large amount of cash, obtaining a cashier's check, or resolving a dispute—you will need to visit during branch hours. Plan ahead if you know you need in-person service.

Federal holidays when all banks close

On the following days, all bank branches in Massachusetts close, though ATMs remain available: 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).

If a federal holiday falls on a weekend, banks typically close on the following Monday. Some banks also close on Good Friday, though this is not a federal holiday. Check your bank's holiday schedule on its website if you are unsure whether a specific day is a closure.

Frequently Asked Questions

Can I deposit a check at an ATM on a weekend?

Most banks allow check deposits at ATMs 24 hours a day, seven days a week. The check is usually processed the next business day, or sometimes the same day if you deposit before a certain time (often 2 or 3 p.m.). Confirm your bank's deposit cutoff time on its website or by calling.

Do banks in Massachusetts stay open later on certain days?

Some branches stay open until 6 p.m. on weekdays, but this is not standard. A few branches may have extended hours on Thursday or Friday, but most close at 5 p.m. Call your specific branch to ask about extended hours.

What if I need to cash a check and the bank is closed?

If you have a debit card, you can withdraw cash from an ATM and use it to pay for things. Some grocery stores and pharmacies cash checks for customers, though they may charge a fee. Mobile check deposit through your bank's app is another option if the check is not urgent.

Are credit unions in Massachusetts open on different schedules?

Credit unions in Massachusetts keep hours similar to banks—typically 9 a.m. to 5 p.m. on weekdays—but hours vary by location. Some credit unions have fewer branches and more limited Saturday hours than major banks. Check your credit union's website or call to confirm.

Do banks close early the day before a holiday?

Most banks keep standard hours the day before a federal holiday. They close the next day (the holiday itself) and reopen the day after. Some branches may close early on the day before Thanksgiving or Christmas, but this is not common. Call ahead if you are unsure.