Your bank's closing time depends on which bank you use and which day it is

Most banks close between 4 p.m. and 6 p.m. on weekdays, but the exact time varies by institution and by branch. Some branches stay open until 7 p.m. or later on certain days. Saturday hours are usually shorter — often 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m. — and many branches close entirely on Sunday. The fastest way to find out is to search your bank's name plus "hours" in Google Maps, call the branch directly, or check your bank's website or mobile app.

If you are trying to deposit a check, transfer money, or speak to someone in person, knowing the exact closing time matters. A transaction submitted five minutes before closing may not process the same way as one submitted an hour earlier. Some banks cut off deposits at a specific time — often 2 p.m. or 3 p.m. — even if the branch itself stays open later.

Key Takeaways

  • Weekday closing times range from 4 p.m. to 6 p.m. at most branches, but your specific branch may differ.
  • Google Maps, your bank's website, and a phone call to the branch are the three fastest ways to confirm today's hours.
  • Deposit cutoff times are often earlier than the branch closing time, so arriving before the branch closes does not may provide your deposit will post today.
  • Saturday hours are typically much shorter than weekday hours, and most branches do not open on Sunday.

How to find your branch's hours right now

Google Maps is usually the fastest route. Open Google Maps, search your bank's name, and select your branch. The hours appear at the top of the listing, updated in real time. If the branch is currently open or closed, Google will tell you that too.

Your bank's mobile app or website also shows branch hours. Log in, look for "Locations" or "Find a Branch", enter your zip code or address, and select your branch. Hours are usually listed alongside the address and phone number.

If neither of those works, call the branch directly. The phone number is on your debit card, in your statements, or on the bank's website. A staff member can tell you today's hours and whether the deposit cutoff has already passed.

Why closing time is not the same as deposit cutoff

Banks process deposits in batches, and the cutoff time — when they stop accepting deposits for the current business day — is usually earlier than when the branch physically closes. If you deposit a check at 5:45 p.m. and the branch closes at 6 p.m., your deposit may not post until the next business day because the cutoff was at 3 p.m.

The cutoff time varies by bank and by deposit method. In-person deposits at the teller window often have a later cutoff than ATM deposits. Mobile check deposits usually have their own cutoff, often 9 p.m. or 10 p.m. Your bank's app or website will show the specific cutoff for each method.

Weekend and holiday hours

Saturday hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 3 p.m., though some branches stay open until 5 p.m. or 6 p.m. Many banks do not open on Sunday at all. A few large banks operate Sunday hours at select branches, but this is not standard.

On federal holidays — Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas, and New Year's Day — most bank branches close entirely. Some banks also close on state-specific holidays. Check your bank's holiday schedule on its website or app if you need to do banking on or around a holiday.

What to do if you need banking outside branch hours

ATMs are available 24 hours at most banks. You can withdraw cash, deposit checks (if your bank has mobile deposit or ATM check deposit), transfer money between accounts, and check your balance without visiting a branch.

Online banking and mobile apps let you transfer money, pay bills, and manage accounts at any time. Mobile check deposit — taking a photo of a check through your app — usually has a cutoff time of 9 p.m. or 10 p.m., later than in-person deposits.

If you need to speak to someone outside branch hours, most banks offer phone support during extended hours or 24/7. The number is usually on the back of your debit card or on your statement.

Different banks, different hours

Large national banks like Chase, Bank of America, and Wells Fargo typically close between 5 p.m. and 6 p.m. on weekdays, though some branches in busy areas stay open until 7 p.m. Credit unions often have shorter hours — many close at 4:30 p.m. or 5 p.m. — and fewer Saturday locations. Online banks have no physical branches, so there is no closing time; all banking happens through the app or website.

If you bank at a smaller regional bank or credit union, hours can vary significantly by location. A branch in a downtown area may stay open later than one in a residential neighborhood. Always check your specific branch rather than assuming all locations have the same hours.

Frequently Asked Questions

Can I deposit a check after the branch closes?

You can deposit through an ATM or mobile app after the branch closes, but it may not post until the next business day. In-person deposits at the teller window must happen before the branch closes, and before the deposit cutoff time — usually 2 p.m. to 3 p.m.

Do all branches of the same bank have the same hours?

No. Hours vary by location. A downtown branch may stay open until 7 p.m. while a suburban branch closes at 5 p.m. Always check the specific branch you plan to visit.

What happens if I try to deposit after the cutoff time?

The deposit will be processed, but it will post the next business day instead of today. The bank records the deposit time, so you will see it in your account, but funds will not be available until the following day.

Are bank hours the same on every weekday?

Most banks have the same hours Monday through Friday, but some branches have different hours on certain days. Check your specific branch to be sure, especially if you plan to visit on a day you do not usually go.