Most banks open at 9 or 10 a.m. on weekdays and close between 4 and 6 p.m., but hours vary by location and by bank
Your bank's hours depend on which branch you visit and which bank you use. A Chase branch in one city might open at 9 a.m. while another Chase branch opens at 10 a.m. A Bank of America location might stay open until 5 p.m. while the one across town closes at 6 p.m. The only way to know your specific branch's hours is to check directly — either by calling the branch, visiting the bank's website, or looking it up on Google Maps, which usually shows current hours.
Most branches are closed on Sundays and federal holidays. Saturday hours, when available, are usually shorter than weekday hours — often 9 a.m. to 1 or 2 p.m. If you need to do banking on a weekend, call ahead to confirm your branch is open that day.
Key Takeaways
- Weekday hours are typically 9 or 10 a.m. to 4, 5, or 6 p.m., but you must check your specific branch because hours vary widely.
- Google Maps, your bank's website, and a phone call to the branch are the fastest ways to find exact hours.
- Most banks close on Sundays and federal holidays, and Saturday hours are usually shorter than weekday hours.
- ATMs and online banking work 24/7, so you can deposit checks, transfer money, and check balances outside branch hours.
- If you need to speak to someone during business hours, plan to visit or call during the middle of the day, when wait times are usually shorter than early morning or late afternoon.
How to find your branch's hours right now
The fastest method is to search your bank's name plus "hours" on Google Maps. Type in your address or the address of the branch you plan to visit, and Google will show you today's hours, tomorrow's hours, and the full weekly schedule. This works for almost every bank with a physical location.
If Google Maps does not show the information, visit your bank's website. Most banks have a "Find a Branch" or "Locations" page where you can enter your zip code and see all nearby branches with their hours listed. You can also call the branch directly — the phone number is usually on the website or in Google Maps.
Why branch hours matter less than they used to
You no longer need to visit a branch during business hours for most banking tasks. You can deposit checks using your phone's camera through mobile banking, transfer money between accounts online, pay bills through your bank's website, and check your balance anytime. Many banks also offer 24/7 phone support, though you may reach an automated system outside business hours.
The main reason to visit a branch during business hours is to speak with a person — to open a new account, ask questions about a product, resolve a problem that online banking cannot fix, or deposit cash. If you only need to deposit a check or move money, you can do that at 2 a.m. on a Tuesday through your bank's app or website.
What to do if you cannot visit during regular hours
If your work schedule does not align with branch hours, you have several options. Many banks now offer extended hours at certain locations — some open as early as 7 a.m. or stay open until 7 or 8 p.m. Call ahead to ask if your bank has any branches with longer hours near you.
Some banks also offer Saturday hours, and a few have Sunday hours in select locations. If you need to do something that requires a person, ask whether your bank offers video banking — you can schedule a video call with a banker during hours that work for you, even outside normal branch hours. Online banks like Ally and Charles Schwab have no physical branches but offer 24/7 phone support and handle most tasks through their apps.
ATMs are always open, but they have limits
Your bank's ATM works around the clock, so you can withdraw cash, deposit checks, and transfer money at any time. However, ATMs cannot help you open a new account, dispute a transaction, or get a loan. If you need cash urgently outside branch hours, an ATM is your answer. If you need to speak with someone, you will have to wait until the branch opens.
Be aware that using an ATM outside your bank's network may cost you a fee — usually $2 to $3 per transaction. Your own bank's ATMs are always free. If you travel frequently or live far from a branch, ask your bank whether they are part of a shared ATM network that lets you use other banks' ATMs for free.
Planning ahead for common banking tasks
If you need to deposit cash, do it during branch hours — ATMs accept checks but most do not accept cash deposits. If you need to open a new account, you will need to visit in person or do it online if your bank offers that option. If you want to discuss a loan or investment product, call during business hours to schedule an appointment so you do not have to wait.
For time-sensitive issues like a fraudulent charge or a locked account, call your bank's customer service line as soon as you notice the problem. Many banks have 24/7 fraud lines even if the branch is closed. The sooner you report it, the sooner they can investigate.
Federal holidays when banks close
Banks close on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas. Some banks may also close on Election Day. If a holiday falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, they close on Monday.
Before visiting a branch on a day that might be a holiday, check your bank's website or call ahead. You can still use ATMs and online banking on holidays — those services do not stop.
Frequently Asked Questions
Can I do my banking outside of branch hours?
Yes. You can deposit checks, transfer money, pay bills, and check your balance through your bank's website or app anytime. You can also withdraw cash from ATMs 24/7. The only things you cannot do outside branch hours are tasks that require speaking to a person, like opening an account or disputing a charge (though many banks have 24/7 fraud lines).
Do all branches of the same bank have the same hours?
No. Each branch sets its own hours based on local demand and staffing. One Chase branch might open at 9 a.m. while another opens at 10 a.m. Always check the specific branch you plan to visit, not just your bank's general hours.
What if I need to deposit cash but the branch is closed?
Most ATMs do not accept cash deposits. You will need to visit the branch during business hours or use a bank that offers 24/7 deposit services at certain locations. Some online banks partner with retail locations like Walgreens to accept cash deposits outside normal hours — ask your bank if this is available.
Are bank hours the same on Saturday?
Saturday hours are usually shorter than weekday hours, often 9 a.m. to 1 or 2 p.m. Not all branches are open on Saturday. Call or check online before you go, because some locations close on Saturdays entirely.
What should I do if I have an urgent banking problem at night?
Call your bank's customer service line — most have 24/7 support. If the problem involves fraud or a stolen card, ask for the fraud department, which typically operates around the clock. For other issues, you may reach an automated system that can direct you to the right department or schedule a callback during business hours.