Most banks close at 5 or 6 p.m. on weekdays, stay closed on weekends, and shut down entirely on federal holidays

The hours vary by bank and branch. Some larger banks keep a few locations open until 7 or 8 p.m. on weekdays, and a small number operate Saturday morning hours — usually 9 a.m. to 1 p.m. — but this is not standard. Credit unions often close earlier than banks, sometimes at 4 p.m. on weekdays. The only way to know your specific branch's hours is to call them directly or check their website, because hours differ even between branches of the same bank in the same city.

If you need to deposit a check or withdraw cash outside these hours, you have options that do not require waiting for the bank to reopen. ATMs work 24 hours a day, seven days a week. Mobile banking apps let you deposit checks by photograph and transfer money when ready. If you need to speak to someone, many banks now offer phone or chat support during evening and weekend hours, though not all services are available through these channels.

Key Takeaways

  • Standard bank hours are 9 a.m. to 5 p.m. on weekdays, with some branches staying open until 6 or 7 p.m., but hours vary widely by location and institution.
  • Banks close entirely on Saturdays, Sundays, and all federal holidays — including New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas.
  • ATMs and mobile check deposit work around the clock, so you can handle most routine transactions without waiting for the branch to open.
  • If you need to speak to a representative outside normal hours, call your bank's customer service line — many offer evening and weekend support, though some services require a branch visit.

Federal holidays when all banks close

Banks observe all federal holidays and close their branches on those days. The list includes New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Columbus Day (second Monday in October), Veterans Day (November 11), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

If a federal holiday falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, they close on Monday. This means the actual closure date can shift depending on the day of the week. Check your bank's holiday schedule on their website or call ahead if you are planning a transaction around a holiday, because some banks may have adjusted hours the day before or after.

What to do if you need money when the bank is closed

ATMs are the fastest option for cash withdrawals and are available 24/7. You can withdraw up to your daily limit — this varies by bank but is often $500 to $1,000 per day. If you need more than your daily limit, you will have to wait until the branch reopens and visit in person or call customer service to request a temporary increase.

For check deposits, use your bank's mobile app if it offers mobile check deposit. You photograph the front and back of the check, enter the amount, and the funds are usually available within one business day. Some banks make the money available the same day if you deposit before a certain time (often 2 p.m.). This works on weekends and holidays.

If you need to transfer money between accounts or to another person, use your bank's online banking portal or mobile app. Transfers between your own accounts are when ready. Transfers to another person at the same bank usually post within hours. Transfers to someone at a different bank take one to three business days, even if you initiate them on a weekend or holiday.

When you actually need to visit a branch in person

Most routine banking tasks no longer require a branch visit. Deposits, withdrawals, transfers, and bill payments all work through ATMs or online. However, some transactions still require a teller or manager: opening a new account, explore for a loan, ordering a cashier's check, reporting a lost or stolen card (though you can often do this by phone), or resolving a dispute that requires a signature.

If you need a branch visit and the bank is closed, call customer service and ask whether your issue can be handled over the phone or through the app. Many banks can issue a temporary card number for online purchases if your card is lost, or can freeze your account when ready if you report fraud. If the issue truly requires a branch visit, ask when the next available appointment is — many banks now require appointments rather than accepting walk-ins.

How to find your bank's exact hours

The most reliable way is to visit your bank's website and search for "branch hours" or "locations." Enter your zip code or the branch address, and the site will show you that specific branch's weekday hours, Saturday hours (if any), and Sunday hours (if any). Some banks also display holiday hours on this page.

If the website does not have this information clearly listed, call the branch directly. The phone number is usually on the website or in your bank statements. Ask about weekday hours, whether they are open Saturday, and whether they are open the day you plan to visit if it is near a holiday.

Banks that stay open later or on weekends

A few large banks operate extended hours at select locations. Chase, Bank of America, and Wells Fargo have some branches open until 7 or 8 p.m. on weekdays and a few locations open Saturday mornings, but this is not consistent across all branches. Online banks like Ally, Charles Schwab, and Discover have no physical branches at all — all transactions happen through ATMs, apps, or phone support.

Credit unions typically have shorter hours than banks. Most close by 4 or 5 p.m. on weekdays and are closed on weekends. However, many credit unions participate in shared branching networks, which means you can visit a different credit union's branch to make deposits or withdrawals if your own branch is closed. Ask your credit union whether they participate in a shared branching network and where the nearest participating branch is.

What happens if you try to deposit a check after hours

If you put a check in the ATM deposit slot after the bank closes, it will be processed the next business day. The check is held in a find container inside the machine and retrieved by bank staff during the next business day. The funds are usually available within one to two business days after that, depending on the check amount and your bank's policy.

If you use mobile check deposit through the app, the processing is faster. Most banks make the funds available within one business day, and some offer same-day availability if you deposit before a certain time. Mobile deposit is more reliable than ATM deposit because the bank receives the image when ready rather than waiting for someone to empty the machine.

Frequently Asked Questions

Are banks open on Saturday?

Most banks are closed on Saturdays. A small number of large bank branches have Saturday morning hours, usually 9 a.m. to 1 p.m., but this is not standard. Check your specific branch's website or call to confirm. Credit unions are almost always closed on Saturdays.

What time do banks close on Friday?

Most banks close at 5 or 6 p.m. on Friday, the same as other weekdays. Some branches stay open until 7 or 8 p.m. Check your branch's hours online or call ahead if you need to visit on Friday evening.

Can I withdraw money on a holiday if the bank is closed?

Yes, you can use an ATM to withdraw cash 24 hours a day, including holidays. Your withdrawal is limited to your daily ATM limit, which is usually $500 to $1,000. If you need more, you will have to wait until the branch reopens and call to request a temporary limit increase.

Do banks close early on the day before a holiday?

Most banks keep regular hours the day before a holiday. Some branches may close an hour early, but this is not standard. Call your branch if you are planning a visit the day before a major holiday to confirm they will be open at their normal time.

What if I need to speak to someone and the bank is closed?

Call your bank's customer service line — the number is on your debit card or bank statements. Many banks offer phone support during evening and weekend hours. Not all services are available this way, but fraud reporting, card freezing, and account questions can usually be handled over the phone.