Most banks close at 5 or 6 p.m. on weekdays, but the exact time depends on your bank and branch

Bank closing times vary by institution and location. Large national banks like Chase, Bank of America, and Wells Fargo typically close between 5 and 6 p.m. on weekdays, though some branches stay open until 7 p.m. Regional banks and credit unions may close earlier, often at 4 or 5 p.m. A few branches in busy areas or shopping centers extend hours to 7 or 8 p.m. The only way to know your branch's exact closing time is to check their website, call the branch directly, or look at the hours posted on their door.

Saturday hours are shorter than weekdays. Most banks open between 9 and 10 a.m. on Saturday and close between 1 and 3 p.m., though some stay open until 5 p.m. Many banks do not open on Sunday at all. Credit unions often have even more limited Saturday hours or are closed entirely on weekends.

These hours matter because you cannot deposit checks, withdraw cash, or speak to a banker outside them. Online transfers and bill payments work 24/7, but moving money between your bank and another institution, depositing a check at a teller, or getting a cashier's check all require the bank to be open.

Key Takeaways

  • Weekday closing time is usually 5 or 6 p.m., but ranges from 4 p.m. to 8 p.m. depending on the bank and branch location.
  • Saturday hours are typically 9 a.m. to 1 or 3 p.m., and most banks are closed on Sunday.
  • Banks close on federal holidays including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Transactions that require a teller or banker—deposits, withdrawals, cashier's checks—cannot happen when the bank is closed, but online transfers work around the clock.
  • Check deposits made after the bank's cutoff time (usually 2 or 3 p.m.) are processed the next business day.

Federal holidays when all banks close

Banks close on 10 federal holidays each year. These are 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).

When a federal holiday falls on a Saturday, most banks close on Friday instead. When it falls on a Sunday, they close on Monday. This means you cannot do in-person banking on that day, and any checks you deposit will not be processed until the next business day. Automated transactions like ATM withdrawals and online transfers still work.

Some banks also close on additional days for religious observances or local holidays, though this is less common. Check your bank's holiday calendar on their website if you need to know whether a specific day affects your branch.

What happens to your money when the bank is closed

Your money does not disappear when the bank closes. Deposits made after the bank's cutoff time (usually 2 or 3 p.m.) are held until the next business day and processed overnight. Checks deposited on Friday do not clear until Monday at the earliest, and sometimes not until Tuesday or Wednesday depending on the check's origin bank.

Transfers you initiate online or through your bank's app process on the next business day if you send them after hours. A transfer sent at 7 p.m. on Friday will not move until Monday morning. Wire transfers sent after the bank's cutoff time are queued for the next business day as well. ATM withdrawals and balance checks work 24/7 because ATMs are automated and do not require a banker.

If you need cash urgently when the bank is closed, ATMs are your only option. If you need a cashier's check, a wire transfer, or to speak to someone about your account, you must wait until the bank reopens.

How to find your bank's hours

The fastest way is to search "[Your Bank Name] near me" on Google Maps. The map result shows your nearest branch with its hours, phone number, and whether it is currently open. You can also visit your bank's website, click "Find a Branch," enter your zip code, and see hours for each location.

Call your specific branch directly if the website hours seem outdated or if you want to confirm they are open before you go. Branch hours change seasonally and sometimes without warning. Some banks reduce hours during slow periods or close branches entirely.

If you use a credit union, check their website or call—credit union hours are often more limited than banks, and many are closed on Saturdays or Sundays entirely.

Why banks close earlier than other businesses

Banks close early because most customer transactions happen in the morning and early afternoon. Tellers process deposits and withdrawals, loan officers meet with customers, and back-office staff reconcile accounts and process the day's transactions. By 5 or 6 p.m., the volume of walk-in customers drops sharply, and the bank's priority shifts to processing the day's work and preparing for the next day.

Staffing costs are also a factor. Keeping a branch open requires at least one teller and a manager on duty. Many banks have decided that the revenue from evening customers does not justify the payroll expense, especially as more customers use ATMs and online banking instead of visiting in person.

Some branches in high-traffic areas or downtown locations do stay open later because the customer volume justifies it. But most branches have settled on 5 or 6 p.m. as the point where closing makes financial sense.

What to do if you need banking services outside regular hours

Use your bank's ATM for cash withdrawals, deposits (if your ATM accepts them), and balance checks. ATMs work 24/7 and are the fastest way to access your money when the branch is closed. Some banks charge a fee if you use an out-of-network ATM, so check your account terms.

Use online banking or your bank's mobile app for transfers, bill payments, and account management. These work around the clock and are often faster than visiting a branch. You can send money to another account at the same bank when ready, or to another bank within one to three business days depending on the transfer type.

If you need a cashier's check, wire transfer, or account service that requires a banker, you must wait until the branch reopens. Some banks offer phone or chat support during extended hours, but they cannot process certain transactions without a physical branch being open. Plan ahead if you know you will need these services.

Frequently Asked Questions

Can I deposit a check at an ATM after the bank closes?

Many banks now offer ATM check deposits, but not all ATMs have this feature. Check your bank's website or call your branch to confirm whether your ATM accepts deposits. If it does, the check is processed the next business day. If your ATM does not accept deposits, you must wait until the branch reopens.

What time do banks stop processing deposits for the day?

Most banks stop processing deposits for same-day credit between 2 and 3 p.m. on weekdays. Deposits made after this cutoff time are processed the next business day. The exact cutoff varies by bank, so check your bank's website or ask a teller.

Are banks open on Saturdays?

Most banks are open on Saturday from 9 a.m. to 1 or 3 p.m., though some stay open until 5 p.m. Hours vary widely by branch and bank. Check your specific branch's hours before you go, because many branches have reduced Saturday hours or are closed entirely.

Do online transfers work when the bank is closed?

You can initiate an online transfer anytime, but it processes during the next business day. A transfer sent at midnight on Friday does not move until Monday morning. Wire transfers sent after the bank's cutoff time are also queued for the next business day.

What happens if I need money on a Sunday?

Use an ATM to withdraw cash or check your balance. If you need a service that requires a banker—like a cashier's check or wire transfer—you must wait until Monday. Plan ahead if you know you will need these services over a weekend.