Most banks are closed on federal holidays and weekends, but some branches stay open on Saturdays
Whether your bank is open today depends on the day of the week, whether it's a federal holiday, and which branch you're trying to reach. Most banks close on Sundays and federal holidays like Thanksgiving, Christmas, New Year's Day, and Independence Day. Many also close on Martin Luther King Jr. Day, Presidents' Day, Memorial Day, and Labor Day. Some banks open on Saturday mornings, though hours are usually shorter than weekdays.
The fastest way to know if your specific branch is open right now is to call the branch directly or check your bank's website or mobile app. Most banks display branch hours prominently on their homepage, and you can search by location. If you need to do banking today and your branch is closed, you can use ATMs (which work 24/7), mobile banking apps, or online banking to handle many transactions without visiting a branch.
Key Takeaways
- Federal holidays, Sundays, and sometimes Saturdays determine whether your bank branch is open, but hours vary by location and institution.
- Your bank's website or mobile app shows your specific branch's hours for today and upcoming days.
- ATMs, mobile apps, and online banking let you deposit checks, transfer money, and pay bills outside branch hours.
- If you need cash or a service that requires a teller, call ahead to confirm your branch is open before you go.
- Some banks offer extended hours on certain weekdays or have branches in grocery stores and pharmacies with different schedules.
How to check if your bank is open today
Start with your bank's official website. Look for a "Locations" or "Find a Branch" tool, enter your zip code or the branch address you plan to visit, and the page will show today's hours. Most banks also list holiday closures on their homepage or in a separate section. If you use your bank's mobile app, it usually has a branch locator with real-time hours built in.
Calling the branch directly is the most reliable method if you're unsure. The phone number is on your debit card, your bank statements, or the bank's website. A staff member can tell you when ready whether they're open and for how long. If you're planning to visit for a specific service—like opening an account or getting a cashier's check—ask whether that service is available today, because some branches limit certain services on weekends or holidays.
What to do if your bank is closed today
ATMs work around the clock, so you can withdraw cash, check your balance, or deposit checks at any ATM your bank owns or that's part of your bank's network. Most banks let you deposit checks through their mobile app by photographing the front and back—this is often faster than using an ATM and works even if the branch is closed.
Online banking and mobile apps handle transfers between your own accounts, payments to other people, bill payments, and balance checks without you needing to visit a branch. If you need to speak to someone, many banks offer phone support during extended hours or on weekends, though not all services are available by phone. Some banks also have chat support through their website or app.
If you need a service that only a teller can provide—like depositing a large amount of cash, getting a cashier's check, or opening a new account—you'll need to wait until the branch reopens. Call ahead to confirm the branch is open and that the service you need is available that day.
Federal holidays when most banks close
Banks close on 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).
Some banks also close on the day after Thanksgiving or the day after Christmas if those fall on a weekday, though this varies. Check your bank's website for its specific holiday schedule, because not all banks observe every federal holiday in the same way. If a federal holiday falls on a weekend, most banks close on the nearest weekday instead.
Banks that open on Saturday or have extended weekday hours
Many large national banks like Bank of America, Chase, and Wells Fargo open some branches on Saturday mornings, typically from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., though hours vary by location. Credit unions and smaller regional banks may have different Saturday schedules or may not open on Saturday at all. Some branches inside grocery stores or pharmacies (like those in Walmart or CVS) have different hours than standalone bank branches and may be open when the main branch is closed.
A few banks offer extended weekday hours—staying open until 6 p.m. or 7 p.m. instead of closing at 5 p.m.—but this is less common. Check your specific branch's hours on the bank's website or app, because hours can differ significantly between locations in the same city.
What services you can access without visiting a branch
Most banking needs no longer require a physical branch. You can transfer money between your own accounts, send money to other people, pay bills, deposit checks by phone or app, check your balance, dispute transactions, and freeze or unfreeze your debit card through online banking or your mobile app. You can also withdraw cash from any ATM in your bank's network or from partner ATMs.
Services that typically require a branch visit include depositing large amounts of cash, getting a cashier's check or money order, explore for a loan, opening a new account, or reporting a lost or stolen card if you need a replacement when ready. Some banks let you order a replacement card through the app and have it shipped to you, which takes a few business days. If you need when ready help with a lost card, call your bank's customer service line—they can often disable the card and discuss your options by phone.
Frequently Asked Questions
Is my bank open on a specific holiday?
Check your bank's website or call your branch directly. Most banks close on major federal holidays like Christmas, Thanksgiving, and Independence Day, but some may have different policies. Your bank's holiday schedule is usually posted on its homepage or in the branch locator tool.
Can I deposit a check if the bank is closed?
Yes, if you have the mobile app. Most banks let you deposit checks by photographing the front and back through the app, and the deposit posts within one to two business days. You can also use an ATM to deposit checks if your bank offers that service at its ATMs.
What if I need cash and the bank is closed?
Use an ATM. Your bank's ATMs work 24/7, and you can withdraw cash anytime. If you need more cash than your daily ATM limit allows, you'll need to wait until the branch reopens or contact your bank to request a temporary limit increase.
Do all bank branches have the same hours?
No. Hours vary by location, day of the week, and sometimes by season. A branch in a downtown area might have different hours than one in a suburban shopping center. Always check your specific branch's hours rather than assuming all locations are the same.
Can I open a new account if the bank is closed?
Some banks let you open an account online or through their mobile app without visiting a branch. Check your bank's website to see if online account opening is available. If not, you'll need to visit a branch during business hours.