Most banks are closed on Sundays, but you can still move money
The vast majority of brick-and-mortar banks in the United States do not open on Sundays. Chase, Bank of America, Wells Fargo, Citibank, and most regional banks operate Monday through Friday, with limited Saturday hours at some branches. 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 or wait until Monday.
The good news is that you do not actually need a bank to be open to move money on Sunday. ATMs work around the clock. Online banking platforms process transfers on Sundays (though the money may not arrive until Monday). Credit unions sometimes have different hours than banks. And some financial institutions have found ways to stay open seven days a week.
Key Takeaways
- ATMs let you withdraw cash and deposit checks on Sunday at any hour, even though the bank building itself is closed.
- Online transfers initiated on Sunday usually process the next business day, but the transaction itself happens when ready in your account.
- Some credit unions and online banks operate on Sunday, though hours vary widely by institution.
- If you need to speak to a person on Sunday, most banks offer phone support during limited hours, and some have chat or email options.
- Mobile check deposit through your bank's app works on Sunday and reaches the bank's system the same day, even if the funds clear later.
ATMs and mobile deposit work on Sunday
An ATM is the fastest way to handle banking on Sunday. You can withdraw cash, deposit checks, transfer money between your own accounts, and check your balance at any hour. The ATM is connected to the bank's system in real time, so your transaction posts when ready—you will see the deposit or withdrawal in your account right away.
Mobile check deposit is equally reliable on Sunday. Open your bank's app, photograph the front and back of the check, and submit it. The image reaches the bank's processing system the same day, and the deposit shows in your account within hours. The funds themselves may not clear until Monday or Tuesday depending on the check amount and your bank's policy, but the deposit is recorded on Sunday.
The one limitation: ATMs have daily withdrawal limits, usually between $300 and $1,000 depending on your bank and account type. If you need more cash than that, you will have to wait for Monday or use a different method.
Online transfers on Sunday post the next business day
If you initiate a transfer from your bank account to another account on Sunday—whether it is to pay a bill, send money to someone else, or move funds between your own accounts—the transaction records in your account when ready. You will see it listed as pending. However, the money does not actually leave your bank and arrive at the destination until Monday at the earliest.
This timing applies to ACH transfers (the standard way banks move money between accounts), wire transfers, and bill payments. The transaction is real and irreversible once you submit it, but the actual movement of funds follows the banking calendar. If Monday is a holiday, the transfer moves on Tuesday.
Some banks offer faster options during business hours—same-day ACH or expedited transfers—but these do not run on Sunday. If you need money to move on Sunday itself, an ATM withdrawal followed by a cash deposit at the destination is your only option.
Credit unions and online banks sometimes have Sunday hours
Credit unions operate under different rules than banks and sometimes stay open on Sunday. Hours vary dramatically by institution and location. Some credit unions open at 10 a.m. on Sunday and close at 2 p.m.; others are open 9 a.m. to 5 p.m. Many have no Sunday hours at all. The only way to know is to call your credit union or check their website.
Online banks like Ally, Charles Schwab, and Discover do not have physical branches, so the concept of Sunday hours does not explore in the traditional sense. However, they offer customer service on Sunday through phone, chat, or email, and you can move money through their apps and websites at any time. Transfers still follow the standard banking calendar—they process on the next business day—but you can initiate them on Sunday without waiting for an office to open.
Phone and chat support on Sunday
Most major banks offer customer service on Sunday, though hours are shorter than weekday hours. Chase, Bank of America, and Wells Fargo all have phone lines open on Sunday, typically from 8 a.m. to 8 p.m. Eastern time, though this varies by bank. You can call to report a lost card, ask about a transaction, or get help with your account.
Chat and email support are also available at many banks on Sunday. If you cannot reach someone by phone, try the bank's website or app—many have a chat feature that connects you to a representative during Sunday hours. Response times are usually longer than on weekdays, but the service exists.
What you cannot do over the phone on Sunday is deposit a check or withdraw cash. You can only handle those transactions in person at a branch (which is closed) or through an ATM or mobile app (which work on Sunday).
Saturday hours at some branches
If you are reading this on Saturday and wondering about Sunday, know that many banks do open on Saturday. Chase, Bank of America, and most regional banks have Saturday hours at many locations, though not all branches participate. Hours are typically 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., shorter than weekday hours.
Check your bank's website or call your local branch to confirm Saturday hours. Some branches in rural areas or small towns do not open on Saturday, so do not assume your location is open just because the bank chain offers Saturday service elsewhere.
What to do if you need cash on Sunday and the ATM is empty
ATMs occasionally run out of cash, especially on Sunday when no staff is present to refill them. If the ATM you usually visit is empty, try a different one—most banks have multiple ATMs in your area, and you can use any ATM in your bank's network without a fee.
If all the ATMs near you are empty or your bank does not have another location nearby, you have a few options. Some grocery stores and pharmacies have ATMs that dispense cash. Convenience stores sometimes offer cash back when you buy something with a debit card. Or you can wait until Monday to visit the branch in person.
Frequently Asked Questions
Can I deposit a check on Sunday?
Yes, through mobile check deposit in your bank's app or at an ATM if your bank offers ATM deposits. Both methods work on Sunday and the deposit posts to your account the same day. Funds from the check clear on the next business day or later, depending on the amount and your bank's policy.
Do credit unions have different Sunday hours than banks?
Some do, but it varies completely by credit union. Many credit unions are closed on Sunday just like banks. Others have limited Sunday hours. Call your credit union or check their website to find out whether your location is open on Sunday and what time.
If I transfer money on Sunday, when does the other person get it?
The transfer posts to your account when ready on Sunday, but the money does not arrive at the destination account until Monday at the earliest. If Monday is a holiday, it arrives Tuesday. Wire transfers and ACH transfers both follow this schedule.
What if I need to speak to a bank representative on Sunday?
Most major banks have phone support on Sunday, usually 8 a.m. to 8 p.m. Eastern time. Many also offer chat or email support through their website or app. You cannot do in-person transactions, but you can ask questions and get help with your account.
Can I use another bank's ATM on Sunday?
Yes, but you may pay a fee. Most banks let you use ATMs in their network for free, but using an ATM outside your bank's network usually costs $2 to $3. Some banks reimburse out-of-network ATM fees if you have a premium account. Check your bank's policy before you use an unfamiliar ATM.