Most banks close at 5 or 6 p.m. on weekdays, but the exact time depends on your bank and branch location

Bank closing times are not set by federal law. Each bank decides its own hours, and branches of the same bank can have different schedules. A Chase branch in a downtown office building might close at 5 p.m., while a Chase branch in a shopping mall stays open until 7 p.m. The only way to know your branch's actual closing time is to check directly with the bank or look it up on their website.

Most traditional banks operate Monday through Friday from 9 a.m. to 5 or 6 p.m., with Saturday hours from 9 a.m. to 1 or 2 p.m. Sunday hours are rare at brick-and-mortar branches. Credit unions follow similar patterns but often have shorter hours, especially on Saturday. Online banks have no physical branches, so they do not have closing times in the traditional sense—you can access your account 24/7 through their website or app, though customer service phone lines may have limited hours.

Key Takeaways

  • Bank closing times vary by branch and institution, so you need to check your specific branch's hours rather than relying on a general time.
  • Most branches close between 5 and 6 p.m. on weekdays and between 1 and 2 p.m. on Saturday, with no Sunday hours at most locations.
  • You can deposit checks, transfer money, and check balances outside branch hours using ATMs, mobile apps, and online banking.
  • If you need to speak to a person outside branch hours, many banks offer phone support during extended hours or on Saturday mornings.

How to find your bank's closing time

The fastest way is to search "[Your Bank Name] hours near me" on Google Maps or your bank's website. Google Maps shows the hours for every branch in your area, updated in real time. If you are already a customer, you can also call your branch directly or log into your online banking portal, which often displays branch hours on the home page.

If you are looking at a bank's main website, navigate to the "Locations" or "Find a Branch" section. Enter your zip code or city, and the site will list nearby branches with their hours. Some banks also let you filter by services—for example, some branches may have a drive-through that stays open later than the lobby.

What you can do outside branch hours

ATMs are available 24/7 at most banks. You can withdraw cash, deposit checks (at ATMs with deposit slots), transfer money between your accounts, and check your balance. ATM deposits are usually processed by the next business day, though some banks process them the same day if you deposit before a certain time (often 9 p.m.).

Mobile apps and online banking let you transfer money, pay bills, deposit checks by photograph, and manage your account at any time. These services are free and do not require you to visit a branch. Check deposits made through your app are typically available within one to two business days.

Phone banking is available at most banks during extended hours. You can speak to a representative to ask questions, report fraud, or request a wire transfer. Hours vary by bank but often extend to 7 or 8 p.m. on weekdays and into Saturday morning. The phone number is usually on the back of your debit card.

Bank hours on holidays

Banks close on federal holidays, including 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. On these days, branches are closed, but ATMs and online banking remain available. Some banks also close on Good Friday, though this is not a federal holiday.

If you need to make a time-sensitive transaction on a holiday, use your ATM or mobile app. If you need to speak to someone, call the customer service number on your card—many banks staff phone lines on holidays, though wait times are often longer. Wire transfers and other services that require human processing may be delayed until the next business day.

Drive-through and extended-hour options

Some branches have drive-through windows that stay open later than the lobby. A branch might close its lobby at 5 p.m. but keep the drive-through open until 6 or 7 p.m. Check your bank's website or call ahead to confirm, because not all branches have drive-throughs and hours vary widely.

A few banks offer extended hours at select locations. Bank of America, for example, has some branches open until 7 p.m. on weekdays and longer on Saturday. Credit unions sometimes partner with shared branching networks, which means you can conduct basic transactions at other credit union branches outside your bank's hours. Ask your credit union whether you have access to shared branching.

What happens if you need cash or a service after hours

If you need cash, use an ATM. Most ATMs are available 24/7, though some are inside bank lobbies and become inaccessible after the branch closes. ATMs in grocery stores, gas stations, and other retail locations are usually available around the clock.

If you need a service that requires a person—such as a cashier's check, a wire transfer, or help with a fraud claim—and the branch is closed, call the customer service number on your card. Many banks have phone lines staffed until 8 or 9 p.m. on weekdays and on Saturday morning. If it is a weekend or holiday and you cannot reach anyone, your request will be processed the next business day.

For urgent fraud or security issues, most banks have a 24/7 fraud line. The number is usually on the back of your debit card or in your online banking portal. If your card is lost or stolen, call this line when ready, even outside branch hours.

Differences between banks and credit unions

Traditional banks like Chase, Bank of America, and Wells Fargo typically have longer hours than credit unions, especially at branches in busy areas. Many have Saturday hours and some have extended weekday hours. Credit unions, which are member-owned, often have shorter hours and fewer branches. However, credit unions may offer better rates on savings accounts and loans, so the trade-off is worth it for some people.

If you belong to a credit union, check whether you have access to a shared branching network. This means you can visit other credit unions' branches to make deposits, withdrawals, and transfers, even if they are not your bank. The hours at those branches may be different from your home branch.

Frequently Asked Questions

Can I deposit a check after the bank closes?

Yes, if your bank's ATM has a deposit slot. Deposits made after hours are usually processed by the next business day. You can also photograph the check using your mobile app and deposit it that way, which often clears within one to two business days. Both methods are free.

Do all bank branches have the same closing time?

No. Branches of the same bank can have different hours depending on location and staffing. A downtown branch might close at 6 p.m. while a suburban branch closes at 5 p.m. Always check your specific branch's hours on the bank's website or by calling ahead.

What should I do if I need to withdraw money on a Sunday?

Use an ATM. Most ATMs are available 24/7 and are not limited to your bank's branch hours. You may be charged a fee if you use an out-of-network ATM, so look for one owned by your bank or a bank in your bank's network.

Are bank phone lines open on weekends?

Many banks have customer service phone lines open on Saturday mornings, usually from 9 a.m. to 1 or 2 p.m. Sunday hours are less common. Check your bank's website or the back of your debit card for the phone number and hours. For emergencies like fraud, most banks have 24/7 lines.

What if my bank closes early on a certain day?

Some branches close early on certain days due to staffing or local events. Check your bank's website or call ahead if you are planning to visit on an unusual day. If you cannot visit during branch hours, use ATMs or online banking to handle your transaction.