Most U.S. banks are closed on weekends and federal holidays, open Monday through Friday from 9 a.m. to 5 p.m., though hours vary by branch and bank

The answer depends on what day it is, which bank you use, and whether today is a federal holiday. Large banks like Chase, Bank of America, Wells Fargo, and Citibank follow the same basic schedule: Monday through Friday, 9 a.m. to 5 p.m. local time. Saturday hours, if they exist at all, are usually 9 a.m. to 1 p.m. at select branches. Banks are closed on Sundays and 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.

Your specific branch may have different hours. Some branches open earlier or stay open later. Credit unions often have different schedules than traditional banks. The fastest way to know if your bank is open right now is to search "[Your Bank Name] hours near me" on Google Maps, call your branch directly, or check your bank's mobile app — most apps display today's hours on the home screen.

Key Takeaways

  • Standard bank hours are Monday through Friday, 9 a.m. to 5 p.m., but individual branches vary and some open Saturdays until 1 p.m.
  • All U.S. banks close on federal holidays, which include New Year's Day, Independence Day, Thanksgiving, Christmas, and nine others.
  • Google Maps, your bank's app, or a phone call to your branch gives you the exact hours for your location today.
  • If your bank is closed, you can still use ATMs, mobile deposit, online transfers, and bill pay from home at any time.

Federal Holidays When Banks Close

Banks close on the following federal holidays every year: 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 (fourth Thursday in November), and Christmas (December 25).

If a federal holiday falls on a weekend, banks typically close on the nearest weekday instead. For example, if Christmas falls on a Saturday, banks close on Friday. Check your bank's website or call ahead if a holiday falls on a Monday or Friday, because some banks may have adjusted their schedule.

How to Find Your Bank's Hours Right Now

The fastest method is Google Maps. Open Google Maps on your phone or computer, search for your bank's name and your city, and the hours for today will appear at the top of the result. It will show whether the branch is open now, when it closes today, and hours for the next several days.

Your bank's mobile app is usually the second-fastest option. Most major banks display today's hours and a link to branch locator on the home screen. You can also call your branch directly — the phone number is on your debit card, your statements, or the bank's website. If you are unsure which branch you use, log into your online banking and look for the branch information in your account settings.

What You Can Do When Your Bank Is Closed

Bank branches close, but your money does not. You can use ATMs 24/7 to withdraw cash, check your balance, and deposit checks (if your ATM has mobile deposit). You can transfer money between your own accounts, pay bills, and send money to other people through your bank's website or app at any time of day or night.

Mobile deposit — photographing a check with your phone and submitting it through the app — works on weekends and holidays. Transfers between accounts at the same bank are usually when ready. Transfers to other banks take one to three business days. If you need cash and your bank is closed, any ATM that displays your bank's logo or network (Allpoint, MoneyPass, Cirrus, Plus) will let you withdraw.

Why Bank Hours Matter Less Than They Used To

Twenty years ago, a closed bank branch meant you could not move money. Today, most banking happens online or through apps. You can deposit checks, transfer funds, pay bills, and check balances without ever visiting a branch. The main reason to go in person is to speak with someone about a problem, open a new account, or handle something that requires a signature.

If you need to speak with someone and your branch is closed, many banks offer phone support during business hours and some offer chat support through their app. A few banks, including some credit unions, offer video banking where you can talk to a representative through your phone or computer during extended hours.

Saturday and Sunday Hours at Major Banks

Most large bank branches are closed on Sunday. Saturday hours vary widely. Chase, Bank of America, Wells Fargo, and Citibank typically open select branches on Saturday from 9 a.m. to 1 p.m., but not every branch participates. Smaller regional banks and credit unions may have no Saturday hours at all, or may be open longer at certain locations.

If you need to visit on a weekend, search your specific branch on Google Maps or call ahead. Do not assume your nearest branch is open Saturday just because another branch in the same city is. Credit unions often have different weekend policies than national banks, so check your credit union's website directly.

What Happens If You Need Help on a Holiday

If your bank is closed and you have an urgent problem — a fraudulent charge, a missing deposit, a locked account — call the customer service number on the back of your debit card. Most banks staff phone support on holidays, though wait times are longer. You can also report fraud through your mobile app, which creates a record when ready even if no one reviews it until the next business day.

For non-urgent issues, send a find message through your bank's app or website. These are monitored during business hours and create a timestamped record. If you need a cashier's check, wire transfer, or other service that requires a teller, you will have to wait until the branch reopens, but you can call ahead to ask what you need to bring.

Frequently Asked Questions

Are banks open on Christmas Eve?

Yes, unless Christmas Eve falls on a Saturday or Sunday. Banks close on Christmas Day itself (December 25) and the nearest weekday if Christmas falls on a weekend. Christmas Eve is a regular business day. Check your specific branch's hours because some may close early on Christmas Eve.

Can I deposit a check on a holiday?

Yes, through mobile deposit in your bank's app. You photograph the front and back of the check and submit it. The deposit is recorded when ready, though the funds may not be available until the next business day. ATM check deposits also work on holidays if your ATM supports them.

What if I need cash and the bank is closed?

Use any ATM that displays your bank's logo or network name. ATMs are available 24/7. If you do not have a debit card or your card is not working, you will have to wait until the branch reopens or visit a different bank's ATM if you have an account there.

Do credit unions have the same hours as banks?

No. Credit union hours vary by institution. Some credit unions have longer hours than traditional banks; others are more limited. Check your credit union's website or call your branch directly. Credit unions also close on federal holidays, but some may have different Saturday or evening hours.

Can I still pay bills if my bank is closed?

Yes. Bill pay through your bank's website or app works 24/7, including holidays and weekends. The payment is scheduled for the date you choose. If you schedule it for a holiday or weekend, the bank will process it on the next business day.