Most major banks are closed on Saturday, but some branches and online services operate
The short answer: your bank is probably closed on Saturday. The big national banks—Chase, Bank of America, Wells Fargo, Citibank—do not open on Saturdays at their branch locations. But some regional banks, credit unions, and online banks do offer Saturday hours, and nearly all banks let you handle transactions online or through mobile apps seven days a week.
What matters is whether you need a branch visit or just need to move money. If you need to deposit a check, withdraw cash, or talk to someone in person, you have fewer options on Saturday. If you need to transfer funds, pay a bill, or check your balance, your bank is almost certainly available.
Key Takeaways
- Chase, Bank of America, Wells Fargo, and Citibank do not open branches on Saturday; most close at 1 p.m. on Friday.
- Credit unions and smaller regional banks are more likely to have Saturday hours, though not all branches of the same bank keep the same schedule.
- Online banking, mobile apps, and ATMs work 24 hours a day, seven days a week at nearly every bank.
- If you need Saturday service, call your specific branch before you go—hours vary by location even within the same bank.
Saturday hours at the largest national banks
Chase does not open any branches on Saturday. Most Chase locations close at 1 p.m. on Friday and reopen Monday morning. The same is true for Bank of America, Wells Fargo, and Citibank. If you have an account at one of these four banks and need to visit a branch on Saturday, you will not find one open.
This applies to their standard retail branches. Some banks operate specialized locations—like investment centers or mortgage offices—with different hours, but those are not the same as a regular checking account branch.
Which banks do open on Saturday
Credit unions often have Saturday hours. The hours and locations vary by credit union, so you need to check your specific institution. Some credit unions open 9 a.m. to 1 p.m. on Saturday; others stay open until 3 p.m. or 5 p.m. A few are closed on Saturday but open on Sunday instead.
Regional and community banks are more likely to have Saturday hours than national chains. Banks like USAA, Ally, and some local or state-based banks do open on Saturday, but again, the hours depend on the branch. Even within the same bank, one branch might be open Saturday while another is not.
Online-only banks like Ally, Charles Schwab Bank, and Discover do not have physical branches at all, so the question of Saturday hours does not explore. You handle everything through their app or website, which is available around the clock.
How to learn about your bank is open Saturday
The fastest way is to call your branch directly or check your bank's website. Most banks have a branch locator tool where you can enter your zip code and see the hours for each location near you. The hours listed there are usually current.
If you use a national bank and the website says "Saturday hours vary by location," that usually means some branches are open and some are not. Call the specific branch you plan to visit. Do not assume that because one Chase is closed, all Chase branches are closed—a few locations in busy areas may have different hours.
Your bank's mobile app often shows branch hours too. Open the app, find the branch locator, and tap on the location you want to visit.
What you can do on Saturday without a branch
ATMs work 24 hours a day at nearly every bank. You can withdraw cash, deposit checks (at ATMs with mobile deposit or envelope slots), and check your balance on Saturday at any time.
Online banking and mobile apps work around the clock. You can transfer money between your own accounts, send money to other people, pay bills, deposit checks by taking a photo, and view your transactions. The only limit is that some transfers take one to two business days to show up in the receiving account, so a Saturday transfer may not clear until Monday.
If you need to speak to someone, most banks offer phone support on Saturday, though wait times are often longer than on weekdays. Check your bank's website or the back of your debit card for the customer service number.
Saturday deposits and when they post
If you deposit a check on Saturday through an ATM or mobile app, the bank receives it on Saturday, but it typically does not post to your account until Monday. The bank counts Saturday as a non-business day for posting purposes, even though you can make the deposit.
Cash deposits at an ATM on Saturday usually post the same day if the ATM is at your bank's location. But check deposits—whether through ATM or mobile app—almost always wait until Monday to post, even if you deposit on Saturday morning.
If you need the money to clear by Monday, depositing on Friday is safer than depositing on Saturday, because Friday is a business day.
Credit unions and smaller banks with Saturday hours
Credit unions tend to have the most consistent Saturday hours among traditional banks. Navy Federal Credit Union, for example, opens many branches on Saturday from 9 a.m. to 1 p.m. Pentagon Federal Credit Union does the same. But not every branch of every credit union keeps those hours, so you still need to check your local branch.
Local and regional banks vary widely. Some open 9 a.m. to noon on Saturday. Others open 9 a.m. to 3 p.m. A few open 9 a.m. to 5 p.m., especially in urban areas. The only way to know is to search your bank's website or call ahead.
Frequently Asked Questions
Can I deposit a check on Saturday?
Yes, through an ATM, mobile app, or at a branch if your bank is open. The check posts to your account on Monday, not Saturday, because the bank does not process deposits on weekends. If you need the money to clear by Monday, deposit on Friday instead.
Do any major banks open on Saturday?
Chase, Bank of America, Wells Fargo, and Citibank do not open branches on Saturday. Some credit unions and regional banks do. Check your specific bank's website or call your branch to confirm.
Can I withdraw cash on Saturday?
Yes, at any ATM, 24 hours a day. If you need to withdraw from a teller, you need a branch that is open on Saturday, which most national banks do not have.
What if I need to talk to someone on Saturday?
Most banks offer phone support on Saturday, though wait times are longer than on weekdays. Check your bank's website or your debit card for the customer service number. Online chat support is also available at many banks on Saturday.
Does my credit union open on Saturday?
Many do, but not all. Call your credit union or check its website for your branch's specific hours. Even within the same credit union, hours vary by location.