Most banks are open on Monday, but hours vary by location and some branches close for federal holidays

Monday is a regular business day for nearly all banks in the United States. The vast majority of branches open between 8 and 9 a.m. and close between 4 and 6 p.m., though some locations stay open until 7 or 8 p.m. on weekdays. However, if Monday falls on a federal holiday—Martin Luther King Jr. Day, Presidents' Day, or Memorial Day, for example—your branch will be closed.

The safest way to know whether your specific branch is open is to check your bank's website or call ahead. Most banks let you search by location and display current hours. If you need to deposit money or speak to someone in person, confirming the schedule takes 30 seconds and saves a wasted trip.

Key Takeaways

  • Regular Mondays: most bank branches open between 8 and 9 a.m. and close between 4 and 6 p.m., though hours vary by location.
  • Federal holidays that fall on Monday: banks close entirely, including Martin Luther King Jr. Day, Presidents' Day, and Memorial Day.
  • Online banking and ATMs work 24/7 regardless of branch hours, so you can transfer money or withdraw cash anytime.
  • Check your bank's website or call your specific branch to confirm hours, because some locations have different schedules than others.

Federal holidays when banks close on Monday

When a federal holiday falls on Monday, your bank will not be open. The holidays that most commonly land on Monday are Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), and Memorial Day (last Monday in May). Labor Day (first Monday in September) also closes banks.

If you need to deposit a check or withdraw cash on a federal holiday Monday, use your bank's ATM or mobile app instead. Deposits made at an ATM or through mobile deposit will post the next business day, just as they would if you deposited in person.

How to find your branch's exact hours

Every major bank—Chase, Bank of America, Wells Fargo, Citibank, and regional banks—publishes branch hours on their website. Go to the bank's main site, look for "Find a Branch" or "Locations," enter your zip code or address, and select your branch. The page will show Monday hours and any upcoming closures.

If you cannot find the information online or want to confirm before you go, call your branch directly. The phone number is listed on the branch locator page. Staff can also tell you whether the branch offers services you need—some smaller locations do not have loan officers or safe deposit boxes.

What you can do when the branch is closed

Bank branches close at night and on weekends, but your bank does not. ATMs work around the clock and let you withdraw cash, deposit checks (if your bank has mobile deposit or ATM check deposit), and transfer money between your own accounts. Mobile apps let you do the same from your phone.

If you need to speak to someone—to dispute a charge, ask about a loan, or resolve an account issue—you can call your bank's customer service line during business hours. Many banks have phone lines open from early morning to late evening, even on Saturday. Check your bank's website or the back of your debit card for the number.

Time-sensitive transactions and Monday closures

If you have a payment due Monday and your branch is closed, you have options. Online bill pay through your bank's website or app processes when ready and reaches the payee by the important date you set. Wire transfers also go through on the same day if you initiate them before the bank's cutoff time—usually 2 or 3 p.m.—even if you submit the request through an ATM or app.

Checks deposited at an ATM on Monday will post on Tuesday, not Monday, so do not rely on ATM deposits if you need the money to clear the same day. If you need same-day availability, use a wire transfer or ACH transfer through your bank's app instead.

Holiday Mondays coming up

Martin Luther King Jr. Day falls on the third Monday in January each year. Presidents' Day is the third Monday in February. Memorial Day is the last Monday in May. Labor Day is the first Monday in September. If you have a transaction that needs to happen on one of these dates, plan ahead and use online banking or ATM services instead of visiting a branch.

Some banks also close on Thanksgiving and Christmas, even though those holidays do not always fall on Monday. Check your bank's holiday schedule on their website if you are planning a transaction around major holidays.

Frequently Asked Questions

Can I deposit a check at an ATM on Monday if the branch is closed?

Yes, if your bank offers ATM check deposit. The check will post on Tuesday, not Monday. If you need the money available Monday, use mobile deposit through your bank's app instead—it may post the same day depending on the time you deposit and your bank's processing schedule.

Are online transfers and bill payments processed on Monday if the branch is closed?

Yes. Online bill pay and transfers between your own accounts process on the same day you submit them, regardless of whether the branch is open. Wire transfers also go through same-day if you submit before the bank's cutoff time, usually 2 or 3 p.m.

What if I need to speak to someone on a Monday when my branch is closed?

Call your bank's customer service line. Most banks have phone support open from early morning to evening, seven days a week. The number is on your debit card or your bank's website. You can also use the bank's app to send a message to your branch or schedule a callback.

Do all bank branches have the same Monday hours?

No. Hours vary by location and by bank. Some branches open at 8 a.m., others at 9 a.m. Some close at 4 p.m., others at 6 or 7 p.m. Check your specific branch's hours on the bank's website or call ahead to confirm.