Most banks open at 9 a.m. and close between 4 and 6 p.m. on weekdays, but the exact time depends on your branch and your bank

There is no single answer because banks set their own hours. A Chase branch in downtown Chicago may open at 8 a.m. and stay open until 7 p.m., while a Chase branch in a suburb opens at 9 a.m. and closes at 5 p.m. A Bank of America location might close at 4 p.m. on Friday but 6 p.m. on Thursday. The only reliable way to know when your specific branch is open is to check directly with that branch — not the bank's website homepage, but the individual location.

Saturday hours are shorter and less consistent. Most banks that open on Saturday do so between 9 a.m. and 10 a.m., and close between 1 p.m. and 3 p.m. Many branches are closed on Saturday entirely. Sunday hours are rare; most traditional banks do not open on Sunday at all, though some credit unions and online-only banks may offer limited Sunday service.

Holiday closures vary by bank and by holiday. Banks close on federal holidays like Martin Luther King Jr. Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some banks also close on Good Friday or other religious holidays. Check your bank's holiday schedule on their website or call ahead if you need to visit on or near a holiday.

Key Takeaways

  • Weekday hours are typically 9 a.m. to 5 p.m., but many branches open as early as 8 a.m. or stay open until 6 or 7 p.m.
  • The only way to know your branch's exact hours is to search for that specific location on your bank's website or call the branch directly.
  • Saturday hours are usually 9 a.m. to 1 p.m. or 2 p.m., and many branches do not open on Saturday at all.
  • Banks close on all federal holidays, and some also close on religious holidays like Good Friday.
  • If you need to deposit or withdraw money outside branch hours, ATMs and mobile banking are available 24/7.

How to find your branch's hours right now

Go to your bank's website and look for a "Locations" or "Find a Branch" tool. Enter your address or zip code. The search result for your specific branch will show hours for today, tomorrow, and the rest of the week. This is the fastest and most accurate method.

If you cannot find the hours online, call the branch directly. The phone number is usually listed in the location search result. A staff member can tell you today's hours and whether the branch is open right now. This is also the best way to confirm whether a specific service — like notary service or safe deposit box access — is available at that location, since not all branches offer everything.

Do not rely on Google Maps or third-party directory sites for bank hours. These sources are often outdated, especially after a bank changes its schedule or closes a location temporarily.

Why bank hours vary so much

Banks set hours based on customer traffic, staffing costs, and local competition. A busy downtown branch may stay open later to serve working professionals. A branch in a quieter area may close earlier. Some banks have also reduced hours since the pandemic, keeping fewer branches open longer rather than spreading staff across more locations with shorter hours.

Staffing shortages have also affected hours at many banks. If a branch cannot find enough tellers or managers, it may shorten its day or close on certain days of the week. This is temporary in some cases and permanent in others.

What to do if you cannot visit during branch hours

ATMs are open 24/7 and allow you to withdraw cash, deposit checks (at most banks), transfer money between accounts, and check your balance. If your bank's ATM is not nearby, you can often use another bank's ATM, though you may pay a fee.

Mobile banking apps let you transfer money, pay bills, deposit checks by photograph, and manage your account from anywhere at any time. Most banks offer this for free. If you need to speak to someone outside branch hours, many banks have phone support available during extended hours — often 7 a.m. to 10 p.m. on weekdays and 8 a.m. to 6 p.m. on weekends.

If you need a service that only a teller can provide — like opening a new account, getting a cashier's check, or accessing a safe deposit box — you will have to visit during branch hours. Plan ahead if you know you need this service.

Banks that stay open later or on weekends

Some banks and credit unions have extended hours at certain locations. Ally Bank and other online-only banks do not have physical branches, so they cannot offer in-person service at any hour. However, they typically have phone support available until 9 p.m. or later on weekdays.

A few traditional banks operate branches with extended hours in major cities. Chase, Bank of America, and Wells Fargo occasionally have locations open until 7 or 8 p.m. on weekdays or open on Sunday, but this is not standard. Check your specific branch to see if it is one of these exceptions.

Credit unions often have different hours than traditional banks. Some credit unions stay open later on certain days or offer Saturday hours that traditional banks do not. If you are a credit union member, check your institution's schedule separately.

What happens if you try to visit when the bank is closed

If you arrive at a closed branch, you will not be able to speak to a teller or access services that require staff. The lobby may be locked entirely, or it may be open but with no one available to help. The ATM in the lobby (if there is one) will still work.

If you have an urgent banking need and the branch is closed, call the bank's customer service line. Many banks have phone support available outside branch hours, and they can handle transfers, payments, and account questions. For emergencies like a lost or stolen card, most banks have 24/7 fraud support.

Frequently Asked Questions

Are banks open on Saturday?

Some are, but not all. Most banks that open on Saturday do so from 9 a.m. to 1 or 2 p.m. Many branches are closed on Saturday entirely. Check your specific branch's schedule online or call ahead.

Can I deposit a check outside of branch hours?

Yes, if your bank has a mobile app. Most banks let you photograph the front and back of a check and deposit it through the app 24/7. ATMs at many banks also accept check deposits, though some have limits on the amount or number of checks per day.

What time do banks close on Friday?

It varies. Some close at 4 p.m., others at 5 p.m., 6 p.m., or later. Friday hours are often the same as other weekdays, but some branches stay open later on Friday. Check your branch's schedule to be sure.

Is the bank open right now?

Search for your branch on your bank's website and look at the location details. It will show whether the branch is currently open or closed, and what time it closes today. You can also call the branch directly.

Do banks close on holidays?

Yes, banks close on federal holidays including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Some banks also close on Good Friday or other religious holidays. Check your bank's holiday schedule on their website.