Banks follow different schedules depending on the day and the branch
Whether your bank is open today depends on what day it is, which bank you use, and whether you need a teller or just an ATM. Most banks close on federal holidays and Sundays. Many close on Saturdays or have shorter Saturday hours. Some branches have different hours than others, even within the same bank. The fastest way to know is to search your bank's name plus "hours" or call the branch directly—the number is usually on your debit card or bank statement.
If you need cash or to check your balance, ATMs run 24 hours at most banks. If you need to speak to someone, deposit a check, or handle something that requires a teller, you need to know the branch hours for today specifically.
Key Takeaways
- Most banks are closed on Sundays and federal holidays, and many close on Saturdays or have limited Saturday hours.
- The fastest way to check today's hours is to search "[Bank Name] hours" online or call your branch directly.
- ATMs work 24 hours at most banks, so you can withdraw cash or check your balance any time, even when the branch is closed.
- Some branches have different hours than others, so checking your specific location matters more than knowing your bank's general schedule.
- If your bank is closed today, you can still use online banking, mobile apps, or ATMs to handle most routine tasks.
Where to check your bank's hours right now
The easiest place to look is your bank's website or mobile app. Most banks have a branch locator tool where you enter your zip code or address and see hours for that specific location. Chase, Bank of America, Wells Fargo, and most regional banks have this built into their websites and apps.
If you do not have internet access, call the branch directly. The phone number is on your debit card, on your last bank statement, or in your bank's customer service phone menu. When you call, you will reach an automated system or a person who can tell you today's hours in seconds.
Google Maps also shows bank hours. Search your bank name and branch location, and the hours appear on the right side of the screen, with a note about whether it is open now.
Why banks close on certain days
Banks close on Sundays because federal banking law does not require them to be open seven days a week, and most chose not to be. Sunday closures are standard across nearly all traditional banks in the United States.
Federal holidays—like New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas—are days when banks must close by law. The Federal Reserve and the banking system itself shut down on these days, so branches cannot process transactions even if they wanted to stay open.
Saturday hours vary widely. Some banks are open 9 a.m. to 1 p.m. on Saturday. Others are open until 3 or 5 p.m. Some branches are closed on Saturday entirely. Credit unions often have different Saturday schedules than banks, and online banks may not have physical branches at all.
What you can do when your bank is closed
ATMs work around the clock at most banks. You can withdraw cash, deposit checks (at ATMs with mobile deposit or check-deposit slots), transfer money between your own accounts, and check your balance any time, day or night.
Online banking and mobile apps let you pay bills, transfer money to other people, deposit checks by photo, and review transactions without visiting a branch. These services work whether the branch is open or closed.
If you need to speak to someone, many banks offer phone support during extended hours—sometimes until 8 or 9 p.m. on weekdays, and some on weekends. Check your bank's website for the customer service number and hours.
Federal holidays when banks are always closed
| Holiday | Typical Date |
|---|---|
| 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 |
| Christmas | December 25 |
When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Independence Day is on a Sunday, banks close on Monday.
Differences between bank types and branches
Traditional brick-and-mortar banks have physical branches with tellers and set hours. Online banks have no physical locations, so there are no branch hours—you handle everything through their website or app, 24 hours a day.
Credit unions often have different hours than banks. Some credit unions are open longer on certain days or have Saturday hours that banks do not. If you bank with a credit union, check that organization's specific schedule.
Even within the same bank, branches can have different hours. A downtown branch might be open until 6 p.m. on weekdays while a suburban branch closes at 5 p.m. Some branches are open Saturday; others are not. Always check the specific branch you plan to visit.
What happens if you need money on a day your bank is closed
Use an ATM. Nearly all banks have ATMs at their branches and at other locations—grocery stores, gas stations, shopping centers. You can withdraw cash, deposit checks, and transfer money without a teller.
If you need to deposit cash and your bank's ATM does not have a cash-deposit slot, you will have to wait until the branch reopens. Some banks offer mobile check deposit through their app, which works for checks but not for cash.
If you need to speak to someone urgently, call customer service. Many banks have phone support on weekends and holidays, even if branches are closed. The wait time may be longer, but you can often resolve issues without visiting in person.
Frequently Asked Questions
Are banks open on Saturdays?
Some are, some are not. Many banks are open Saturday mornings, usually 9 a.m. to 1 p.m., but hours vary by branch and bank. A few banks are open Saturday afternoons until 3 or 5 p.m. Check your specific branch's hours online or by phone.
Can I deposit a check when the bank is closed?
If your bank's ATM has a check-deposit slot, yes. If not, you can use mobile check deposit through the bank's app if you have a smartphone. Otherwise, you will need to wait until the branch opens.
Do banks open earlier or later on certain weekdays?
Most banks open at 9 a.m. on weekdays, but some open at 8 a.m. or 10 a.m. Closing times vary from 5 p.m. to 6 p.m. or later. Check your branch's specific hours, as they can differ from the bank's standard schedule.
What if I need cash on a holiday when the bank is closed?
Use an ATM. ATMs work 24 hours, including holidays. You can withdraw cash from your bank's ATM or from another bank's ATM (though you may pay a fee for out-of-network use).
Do online banks have hours?
No. Online banks have no physical branches, so there are no branch hours. You can use their website or app any time, day or night. Customer service hours may vary, but account access is always available.