Check your bank's website or call the branch directly
The fastest way to know if your bank is open today is to visit the bank's website and look for "Hours" or "Locations". Most banks list branch hours on their homepage or in a dedicated section. You can also call your specific branch — the phone number is usually on the website — and someone will tell you when ready whether they're open now.
If you're looking at a large national bank like Chase, Bank of America, Wells Fargo, or Citibank, hours are often listed on the main website under a "Find a Branch" tool. Enter your zip code and you'll see the hours for branches near you. Regional banks and credit unions have the same information, usually under a similar section.
Keep in mind that branch hours vary by location. A Chase branch in one city might close at 5 p.m., while another Chase branch ten miles away closes at 6 p.m. or stays open later on certain days. The website will show you the specific hours for the branch you plan to visit.
Key Takeaways
- Your bank's website has a branch locator tool that shows hours for the specific location you want to visit.
- Most bank branches are closed on Sundays and federal holidays, though some branches have limited Sunday hours.
- Calling your branch directly is the fastest way to confirm they're open right now, especially on holidays or during unusual weather.
- ATMs and online banking work 24/7 regardless of branch hours, so you can access your money even when the branch is closed.
Standard bank hours and when branches close
Most bank branches open between 8 a.m. and 9 a.m. on weekdays and close between 4 p.m. and 6 p.m., depending on the bank and location. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. — and many branches are closed on Sundays entirely.
Some larger branches in busy areas stay open later on weekdays or offer limited Sunday hours, but this is not standard. If you need to visit on a weekend or after typical business hours, check the specific branch's schedule before you go.
Federal holidays when banks close
Banks close on federal holidays, which means you won't be able to visit a branch in person on those days. The main federal holidays when banks are closed 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.
Even though the branch is closed, your ATM will still work and you can use online banking to transfer money, pay bills, or check your balance. If you need to deposit a check on a holiday, you can use a mobile deposit feature (if your bank offers it) or deposit it the next business day.
What to do if you need banking services outside branch hours
If your branch is closed, you have several options that work around the clock. ATMs let you withdraw cash, deposit checks (at many banks), and transfer money between your own accounts 24/7. Online banking through your bank's website or app lets you pay bills, transfer funds, and check your balance anytime.
If you need to speak to someone, many banks offer phone support during extended hours — sometimes until 8 p.m. or 9 p.m. on weekdays, and some offer weekend phone support. Check your bank's website for the customer service number and their hours. For urgent issues, some banks have chat support available through their app or website.
How to find your bank's customer service hours
Your bank's main website usually lists customer service phone hours near the contact information. You can also find this number on the back of your debit card. Call that number and you'll reach someone who can help with account questions, fraud reports, or other issues even if your local branch is closed.
Credit unions often have different hours than national banks, so check your specific credit union's website. Some credit unions are part of a shared branching network, which means you can visit other credit union branches in the network even if your own branch is closed.
Using mobile deposit and online banking when branches are closed
If you need to deposit a check and the branch is closed, most banks offer mobile deposit through their app. You photograph the front and back of the check, and the bank processes it within one to two business days. This works on weekends, holidays, and after hours.
Online banking also lets you pay bills, set up automatic transfers, and manage your account without visiting a branch. These services are available 24/7, though transactions may not process until the next business day depending on the time you submit them.
Frequently Asked Questions
Are banks open on Saturdays?
Most bank branches are open on Saturdays with shorter hours, typically 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. Some branches in busy areas stay open later. Check your specific branch's website to confirm Saturday hours before you go.
Can I use my ATM on a holiday when the branch is closed?
Yes. ATMs work 24/7, including on federal holidays and weekends. You can withdraw cash, deposit checks, and transfer money between your own accounts anytime, even when the branch is closed.
What if I need to speak to a banker and the branch is closed?
Call your bank's customer service number, which is usually on your debit card or the bank's website. Many banks offer phone support until 8 p.m. or 9 p.m. on weekdays and some offer weekend support. You can also use online chat if your bank offers it through their app or website.
Do all bank branches have the same hours?
No. Hours vary by location, even within the same bank. A Chase branch in one neighborhood might close at 5 p.m. while another closes at 6 p.m. Always check the hours for the specific branch you plan to visit on your bank's website.
Can I deposit a check on Sunday if the branch is closed?
You can use mobile deposit through your bank's app on Sunday, which lets you photograph the check and submit it without visiting the branch. The check will process within one to two business days. Otherwise, you'll need to deposit it the next business day when the branch opens.