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

Bank closing times are not set by law—each bank decides when to shut its doors. Most major banks (Chase, Bank of America, Wells Fargo, Citibank) close between 5 and 6 p.m. on Monday through Friday, though some branches in busy areas stay open until 7 p.m. A few banks open on Saturday mornings, usually 9 a.m. to 1 p.m., but this is becoming less common. Almost no banks are open on Sunday, and those that are typically operate only a few hours.

The fastest way to find your branch's hours is to search your bank's name plus "hours" on Google Maps, call the branch directly, or check your bank's website. Hours vary by location—a downtown branch may stay open later than a suburban one. If you need to do business outside normal hours, most banks offer 24-hour ATMs, mobile apps for transfers and bill pay, and phone banking for account questions.

Key Takeaways

  • Standard weekday closing time is 5 or 6 p.m., but your specific branch may differ, so check before you go.
  • Saturday hours are uncommon and usually limited to 9 a.m. to 1 p.m.; most banks are closed Sunday.
  • Banks close on federal holidays including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • ATMs, mobile apps, and online banking work 24/7, so you can deposit checks, transfer money, and pay bills outside branch hours.
  • If you need cash or a cashier's check after hours, plan ahead or use a different bank's ATM network.

Weekday and Weekend Hours at Major Banks

Chase branches typically open at 9 a.m. and close at 5 or 6 p.m. Monday through Friday, with some locations staying open until 7 p.m. Saturday hours are 9 a.m. to 1 p.m. at select branches. Bank of America follows a similar pattern: 9 a.m. to 5 p.m. weekdays, with some branches open until 6 p.m., and limited Saturday service. Wells Fargo and Citibank operate on comparable schedules, though hours shift by location.

Credit unions often close earlier than banks—many shut at 4:30 or 5 p.m.—and are less likely to have Saturday hours. Community banks vary widely; some close at 4 p.m., others at 6 p.m. The only reliable way to know your branch's actual hours is to check directly. Google Maps, your bank's mobile app, and the bank's website all show location-specific hours. Call ahead if you are planning to visit for something that takes time, like opening an account or getting a cashier's check.

Federal Holidays When Banks Close

Banks close on all federal holidays. The full 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).

When a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, most banks close on Friday. Some banks also close on Good Friday (the Friday before Easter), though this is not a federal holiday. Check your bank's holiday calendar on its website or call your branch to confirm closure dates, especially around less common holidays.

What You Can Do When the Bank Is Closed

ATMs work around the clock, so you can withdraw cash, deposit checks (if your bank has mobile deposit or an ATM that accepts envelopes), and check your balance at any time. Mobile banking apps let you transfer money between accounts, pay bills, send money to other people, and deposit checks by taking a photo. These functions do not require a teller or a branch visit.

If you need a cashier's check or a wire transfer after hours, you will have to wait until the branch reopens. Some banks offer phone banking for account questions and password resets, though not for transactions that require a signature. If you have an urgent need for cash and your bank is closed, you can use another bank's ATM (though you may pay a fee), visit a different branch of your bank if one is open, or ask a friend or family member to lend you money.

Planning Ahead for Time-Sensitive Transactions

If you need a cashier's check, a notarized document, or a large cash withdrawal, do it during business hours. These services require a teller and cannot be done online or at an ATM. If you know you will need cash over a weekend or holiday, withdraw it before the bank closes. If you are paying a bill with a check, mail it several days early so it arrives before the due date, since the bank will not process it until it reopens.

For bill payments, use your bank's online bill pay system instead of mailing a check. Payments sent through bill pay are processed faster and you can schedule them in advance. If you are expecting a deposit (paycheck, tax refund, insurance payment), it will post to your account automatically when the bank reopens, even if you do not visit in person. Check your bank's website or app to see when deposits typically clear.

How Bank Hours Affect Check Deposits and Transfers

Checks deposited at an ATM or through mobile deposit are processed when the bank reopens, not when ready. If you deposit a check on Friday evening, it will not clear until Monday (or Tuesday if Monday is a holiday). The bank's internal processing time, called the clearing period, is usually one to two business days after the deposit is processed. This means a check deposited Friday may not be available in your account until Wednesday or Thursday.

Transfers between your own accounts at the same bank are usually when ready or available within a few hours, even after hours. Transfers to accounts at other banks take one to three business days and are not affected by the receiving bank's hours—the transfer happens through the banking system overnight. If you need money urgently, use a transfer to another account you control rather than waiting for a check to clear.

International Banking and Extended Hours

If you need to send money internationally, do it during business hours. Wire transfers require a teller and cannot be done through most mobile apps. International transfers also take longer—typically three to five business days—so plan ahead. Some banks offer extended hours for wire transfers or have a dedicated phone line for after-hours international transactions, but this is rare and may come with a fee.

If you bank with a large institution that has branches in multiple time zones, you may be able to visit a branch in a different zone if your local branch is closed. For example, if you are on the East Coast and need to visit a Chase branch on a Sunday, you could travel to a location in Hawaii or another time zone where it is still Saturday. This is impractical for most situations, but it is an option if you are traveling.

Frequently Asked Questions

Can I deposit a check at my bank's ATM after the branch closes?

Yes, if your bank has an ATM that accepts check deposits. The check will be processed when the branch reopens, not when ready. Mobile deposit (taking a photo of the check through your app) is faster and works 24/7, though the funds may not be available for one to two business days.

What time do banks close on the day before a holiday?

Banks close at their normal time (usually 5 or 6 p.m.) on the day before a federal holiday. The holiday itself is when the branch is closed. If a holiday falls on a Monday, the bank is closed Monday but open at normal hours on Friday.

Do all branches of the same bank have the same closing time?

No. A downtown Chase branch may close at 6 p.m. while a suburban Chase branch closes at 5 p.m. Check your specific branch's hours on Google Maps or your bank's website rather than assuming all locations are the same.

Can I get cash from my bank after it closes?

Yes, from an ATM. If you need a large amount of cash or a specific denomination, withdraw it before the branch closes. ATMs have daily withdrawal limits (usually $500 to $1,000) and may not have all denominations available.

Do online banks have physical branches with closing times?

No. Banks like Ally, Charles Schwab, and Marcus operate entirely online and have no physical branches. You cannot visit in person, but you can access your account 24/7 through the app or website. If you need to deposit a check, use mobile deposit or mail it to the bank's processing center.