Most banks close on federal holidays and weekends, but some branches stay open on Saturdays

Whether your bank is open tomorrow depends on three things: the day of the week, whether it's a federal holiday, and your specific branch's schedule. Large banks like Bank of America, Chase, and Wells Fargo typically close on Sundays and federal holidays. Many branches also close on Saturdays, though some larger branches in cities or shopping areas stay open Saturday mornings.

The fastest way to know is to search "[Your Bank Name] hours" plus your city, or call your branch directly. Most banks list tomorrow's hours on their website homepage or in the mobile app. If you're looking at a federal holiday weekend, assume your branch is closed unless the bank's website explicitly says otherwise.

Key Takeaways

  • All major U.S. banks close on the 10 federal banking holidays each year, including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
  • Most bank branches close on Sundays; Saturday hours vary by location and branch size, so you cannot assume your branch is open.
  • The most reliable way to check is your bank's website or mobile app, which shows tomorrow's hours for your specific branch.
  • If you need cash or a service tomorrow and your branch is closed, ATMs work 24/7, and some banks offer limited services through partner branches.

Federal holidays when banks are always closed

U.S. banks close on 10 federal banking holidays every 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).

If tomorrow falls on one of these dates, your bank branch will be closed. Some banks may offer limited services through their mobile app or ATM, but you will not be able to speak to a person or conduct transactions that require a teller.

How to find your branch's specific hours

The most direct method is to visit your bank's website and use the branch locator tool. Enter your zip code or city, select your branch, and the hours for the next seven days will appear. This is always accurate because it pulls from the bank's own system.

If you use your bank's mobile app, you can usually see branch hours by tapping "Locations" or "Find a Branch." Many apps also let you set a favorite branch so the hours appear on your home screen. If you do not have internet access, call your branch directly—the phone number is on your debit card or bank statements.

What to do if your branch is closed tomorrow

ATMs are available 24/7 at your bank's locations and at partner networks. You can withdraw cash, deposit checks (at ATMs with mobile deposit or envelope slots), and check your balance without visiting a branch. If you need a service that requires a teller—such as a cashier's check, wire transfer, or account change—you will need to wait until the branch reopens.

Some banks offer limited services through their mobile app or online banking portal on holidays and weekends. You may be able to transfer money between your own accounts, pay bills, or contact customer service through chat or phone. A few large banks also have partner branches in other networks that may be open; check your bank's website to see if this option exists in your area.

Weekend hours vary widely by branch

Saturday hours are not standard across branches. A Chase branch in a downtown area might open at 9 a.m. on Saturday, while a Chase branch in a residential neighborhood might be closed all weekend. Some banks open select branches on Saturday mornings only (typically 9 a.m. to 1 p.m.), while others do not open any branches on Saturday.

Do not assume your branch has Saturday hours based on another branch's schedule. Always check your specific location before planning a visit. If your branch is closed on Saturday and you need to deposit a check or withdraw cash, use an ATM or wait until Monday.

Holiday weekends and extended closures

When a federal holiday falls on a Friday, some banks close the following Monday as well, though this is less common. When a holiday falls on a weekend, the bank closure typically moves to the nearest weekday—for example, if Christmas falls on a Saturday, banks close on Friday instead. Check your bank's website or call ahead if a holiday falls near a weekend.

Some regional or smaller banks may have different holiday schedules than the major national banks. Credit unions also follow federal banking holidays but may have slightly different closure dates. If you bank at a smaller institution, confirm their holiday schedule directly rather than assuming it matches the national standard.

Frequently Asked Questions

Can I use my bank's ATM if the branch is closed tomorrow?

Yes. ATMs are available 24/7, even when the branch is closed. You can withdraw cash, check your balance, and deposit checks at most ATMs. Some ATM services may have daily limits, so check your account terms if you are withdrawing a large amount.

What if I need to speak to someone and the branch is closed?

Call your bank's customer service number, which is usually on the back of your debit card. Most banks have phone support available on weekends and holidays, though wait times may be longer. Some banks also offer chat support through their website or app.

Do all banks close on the same holidays?

All federally insured banks close on the 10 federal banking holidays. Credit unions and some smaller regional banks may have slightly different schedules, so confirm with your institution directly if you are unsure.

Will my bank be open on Saturday?

It depends on your specific branch. Check your bank's website, use the branch locator tool, or call your branch directly. Do not assume Saturday hours based on another location's schedule.

Can I do banking online if my branch is closed?

Yes. You can transfer money, pay bills, check balances, and deposit checks through your bank's website or mobile app on weekends and holidays. Some services like wire transfers may process the next business day, even if you request them on a weekend.