Check your bank's website or call the main number
The fastest way to know if your bank is open today is to visit their official website or call the main customer service number on the back of your card. Most banks display their hours prominently on the homepage, and many show whether each branch is open right now. If you call, you'll reach someone who can tell you the hours for your specific branch location.
Bank websites often have a branch locator tool where you enter your zip code or address and see hours for nearby locations. Some banks also list holiday closures and special hours on this same page, so you can plan ahead if today is a federal holiday or the day after one.
Key Takeaways
- Your bank's website or the customer service number on your card will show today's hours for your branch.
- Most banks are closed on federal holidays, Sundays, and some Saturdays, though hours vary by location and bank.
- If you need to deposit money or withdraw cash outside branch hours, ATMs are available 24/7 at most banks.
- Some banks offer extended hours on certain weekdays or limited Saturday service, so check your specific branch rather than assuming standard hours.
Standard bank hours and when they close
Most brick-and-mortar bank branches open between 8 and 10 a.m. and close between 4 and 6 p.m. on weekdays. Many branches are open on Saturday mornings, usually from 9 a.m. to noon or 1 p.m., but this varies widely. Almost all banks are closed on Sundays.
Banks close on federal holidays, including New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks also close the day after Thanksgiving. If today is one of these holidays, your branch will be closed even if it would normally be open.
What you can do when the bank is closed
If your bank is closed today but you need to move money or withdraw cash, you have options that don't require a teller. ATMs are available 24/7 at most banks and let you withdraw cash, deposit checks (at machines equipped for mobile deposit or check scanning), and transfer money between your own accounts.
Many banks also offer online banking through their website or mobile app, where you can transfer money between accounts, pay bills, and check your balance at any time. If you need to speak to someone, most banks have phone customer service available during extended hours, sometimes until 8 or 9 p.m. on weekdays, even if the physical branch is closed.
Finding hours for a specific branch location
If you bank at a large national bank like Bank of America, Chase, Wells Fargo, or Citibank, use their branch locator on the website. Enter your address or zip code and the tool will show you the nearest branches, their exact hours today, and whether they're currently open. This is more reliable than calling a general number, because hours can differ between branches in the same city.
For smaller regional or community banks, call the main number listed on your statement or card. The person who answers can tell you whether your branch is open today and what services are available if it's closed. If you're traveling and need to find a branch of your bank in another city, the branch locator will show you locations near your current address.
Holiday closures and extended hours
Banks close on all federal holidays, but some also close on state holidays or religious observances. If you're unsure whether today is a holiday your bank observes, check their website or call ahead. Many banks post their full holiday schedule at the start of the year, so you can see which days they'll be closed.
Some banks extend their hours during tax season or around major holidays. If your bank is normally closed on Saturday, they might open for a few hours during the week before tax day or in the days before Christmas. These extended hours are usually posted on the website or announced in branch emails, so check before you plan your visit.
Using mobile banking when branches are closed
If you need to move money or pay a bill and your branch is closed, mobile banking through your bank's app is often faster than waiting for the branch to reopen. You can deposit checks by taking a photo, transfer money to other accounts, pay bills, and check your balance without visiting a branch or using an ATM.
Mobile deposits usually clear within one to two business days, so if you need the money sooner, an ATM withdrawal or a transfer to another account might be better. Some banks also offer Zelle or other peer-to-peer payment services through their app, which let you send money to other people when ready.
Frequently Asked Questions
Are banks open on Saturday?
Many banks are open on Saturday mornings, usually from 9 a.m. to 1 p.m., but not all. Some banks are closed on Saturday entirely. Check your specific branch's hours on the bank's website or call the branch directly, because Saturday hours vary by location and bank.
What time do banks close on weekdays?
Most banks close between 4 and 6 p.m. on weekdays, though some stay open until 7 or 8 p.m. Check your branch's hours on the website or call ahead if you're planning to visit late in the day, because closing times differ between branches.
Can I deposit money if the bank is closed?
Yes. You can use an ATM to withdraw cash or deposit checks 24/7 at most banks. If your ATM doesn't have a check deposit slot, you can take a photo of the check and deposit it through your bank's mobile app, which usually clears within one to two business days.
Is my bank open on federal holidays?
No. Banks are closed on all federal holidays, including New Year's Day, Independence Day, Thanksgiving, and Christmas. Some banks also close on the day after Thanksgiving. If you're unsure whether today is a holiday, check your bank's website or call the branch.
How do I find hours for a bank branch in another city?
Use your bank's branch locator tool on their website. Enter the city or zip code where you need to visit, and the tool will show nearby branches with their hours. If you can't find the locator, call your bank's main customer service number and ask for hours at a specific branch location.