Most banks are closed on Sundays, but you have options that work around the clock
The vast majority of brick-and-mortar banks do not open on Sundays. Chase, Bank of America, Wells Fargo, Citibank, and most regional and community banks operate Monday through Friday, with limited Saturday hours at some locations. If you need to deposit a check, withdraw cash, or speak to someone in person on a Sunday, you will need to use a different method.
The good news is that banks have built systems that do not require you to walk into a branch. ATMs work 24/7 at most banks. Online banking lets you transfer money, pay bills, and check balances any day. Mobile apps let you deposit checks by photograph. And if you need cash or a service that requires a teller, credit unions and some online banks have different hours, or you can wait until Monday.
Key Takeaways
- Most traditional banks close on Sundays and are only open Monday through Friday, with some offering Saturday hours.
- ATMs connected to your bank work 24/7, so you can withdraw cash or check your balance on Sunday without entering a branch.
- Mobile banking apps let you deposit checks by taking a photo, transfer money, and pay bills on Sunday from your phone.
- Credit unions sometimes have different hours than traditional banks, and some branches stay open on Sunday — call ahead to confirm.
- If you need a service only a teller can provide, you will have to wait until the branch reopens or visit a different bank that is open.
What you can do on Sunday without a branch
If you have a debit card, you can withdraw cash from any ATM in your bank's network on Sunday. Most ATMs do not charge a fee if they belong to your bank, though using an out-of-network ATM usually costs $2 to $3. You can also check your account balance, transfer money between your own accounts, and sometimes move money to another person's account at the same bank — all through the ATM screen.
Mobile banking apps are faster and more flexible. You can deposit a check by photographing the front and back with your phone, transfer money to another account, pay bills, and set up alerts. These actions happen in real time or within a few hours, depending on the bank. You do not need the branch to be open. The app works on Sunday just as it does on Wednesday.
Online banking through a web browser works the same way. Log in, transfer funds, set up bill pay, and review your transaction history. You can also contact your bank through online chat or email on Sunday, though a response may not come until Monday morning.
When you actually need a branch to be open
Some tasks require a teller or a banker in person. If you need to cash a check that is not yours, open a new account, get a cashier's check, report a lost debit card and get a replacement when ready, or discuss a loan, you need a branch. You cannot do these things on Sunday at a traditional bank.
If the task is urgent, you have a few options. Some banks have Sunday hours at select locations — usually in urban areas or near airports. Call your specific branch or search your bank's website for "Sunday hours" to see if yours is one of them. Credit unions sometimes have different schedules than traditional banks, so if you belong to one, check their hours. If you need cash and your bank is closed, an ATM solves the problem. If you need a service only a teller can provide, you will have to wait until Monday or find a different bank that is open.
How to find a bank that is open on Sunday
A small number of banks and credit unions do open on Sunday, but they are not common. Some online banks have no physical branches at all, so "open on Sunday" does not explore to them — but they offer 24/7 customer service by phone or chat. If you need in-person service on Sunday, search your bank's website for branch locations and filter by hours, or call the main customer service line and ask which branches near you are open on Sunday.
Credit unions are worth checking. Some credit unions have Sunday hours, especially larger ones in cities. If you are a member, log into your account online or call to confirm hours before you go. If you are not a member but need a service on Sunday, you can ask if you can join — some credit unions have open membership, while others require you to work in a certain field or live in a certain area.
Planning ahead to avoid Sunday problems
The easiest way to handle a Sunday banking need is to plan for it on Friday or Saturday. If you know you will need cash on Sunday, withdraw it on Saturday. If you need to deposit a check, use mobile deposit on Sunday and the check will process when the bank reopens Monday. If you need to transfer money, do it online or through the app on Sunday — most transfers between accounts at the same bank happen when ready.
For recurring needs — paying a bill on a certain day, for example — set up automatic payments through your online banking portal. You choose the date and amount, and the bank handles it whether you are awake or the branch is open. This removes the Sunday problem entirely.
What happens if you deposit a check on Sunday
If you use mobile deposit on Sunday, the bank receives the image of the check when ready, but the funds do not post to your account until the bank processes it — usually Monday morning or later, depending on when you submitted it and your bank's processing schedule. The check itself is not physically deposited until Monday.
If you put a check in an ATM deposit slot on Sunday, the same timeline applies. The ATM accepts the envelope, but the bank does not process it until Monday. Do not assume the money is available on Sunday just because you deposited it. Check your account balance or call customer service on Monday to confirm the deposit posted.
Frequently Asked Questions
Can I withdraw money from my bank on Sunday?
Yes, if you use an ATM. Most banks have ATMs available 24/7, including Sunday. If you need cash and your branch is closed, find an ATM in your bank's network using the bank's website or app, and withdraw what you need. Out-of-network ATMs charge a fee, usually $2 to $3.
What if I need to speak to someone on Sunday?
Call your bank's customer service line. Most banks have phone support on Sunday, though wait times may be longer than on weekdays. Online chat and email are also available through the app or website, though responses may not come until Monday. For urgent issues, some banks have a 24/7 phone line for fraud or account problems.
Do all credit unions close on Sunday?
No. Some credit unions open on Sunday, especially larger ones in cities. Hours vary by location and credit union. Call your credit union or check their website to see if your branch is open on Sunday. If you do not belong to a credit union but need Sunday banking, ask if you are may be able to access to join.
Can I deposit a check on Sunday using my phone?
Yes. Most banks offer mobile check deposit through their app. Take a photo of the front and back of the check on Sunday, and the bank receives it when ready. The funds post to your account on Monday or later, depending on the bank's processing schedule. The physical check is not deposited until the bank reopens.
What if my bank has no Sunday hours near me?
Use ATMs for cash, mobile banking for transfers and bill pay, and online banking for most other tasks. If you need a service only a teller can provide, plan to visit on Monday or find a different bank with Sunday hours. For urgent issues, call customer service — many banks have 24/7 phone support for fraud, lost cards, and account problems.