Banks close on federal holidays and weekends, so "open today" depends on what day it is and which bank you use
Most banks in the United States close on Sundays and federal holidays. If today is a Saturday, Sunday, or a federal holiday like Thanksgiving or Christmas, your bank's physical branches are almost certainly closed. But the answer also depends on which bank you use — some banks have different holiday schedules, and some have branches that stay open on certain Saturdays.
The fastest way to know is to search "[Your Bank Name] hours" plus your city, or call the specific branch you plan to visit. Google Maps also shows bank hours and whether a location is open right now. If you need to do banking today and your branch is closed, most banks let you use ATMs, pay bills online, or transfer money through their app even when branches are closed.
Key Takeaways
- All major U.S. banks close on Sundays and the 10 federal holidays (New Year's Day, MLK Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, and Thanksgiving and Christmas).
- Some banks open on certain Saturdays, but hours vary by location and bank, so you need to check your specific branch.
- Google Maps, your bank's website, or a phone call to your branch will tell you today's hours in under a minute.
- ATMs, online bill pay, and mobile apps work 24/7 even when branches are closed, so you can handle most banking needs without visiting in person.
The 10 federal holidays when all banks close
Banks must close on these 10 days 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), and Thanksgiving (fourth Thursday in November) and Christmas (December 25).
If any of these holidays falls on a Saturday, most banks close on Friday instead. If it falls on a Sunday, most banks close on Monday. This is set by federal law, so it applies to all national banks and most state banks. Credit unions and smaller regional banks sometimes follow the same schedule, but a few may have different rules.
How to check if your specific bank is open right now
The simplest method is to open Google Maps, search your bank's name, and look at the branch nearest you. Google shows "Open now" or "Closed" in large text, plus the full hours for today. This works for Chase, Bank of America, Wells Fargo, Citibank, and most other major banks.
If Google doesn't show hours, go to your bank's website and look for a "Find a Branch" or "Locations" link. Enter your zip code or city, and you'll see hours for each nearby branch. You can also call the branch directly — the phone number is usually on the website or in your bank statements.
If you're a customer of a smaller bank or credit union, calling is often the fastest route. Many local banks don't update their hours online as frequently, so a quick phone call removes any doubt.
What you can do when your bank is closed
You don't have to wait for the branch to reopen. ATMs work 24 hours a day, seven days a week, so you can withdraw cash, deposit checks (if your ATM has a deposit slot), and check your balance anytime. Most banks also let you transfer money between your own accounts through an ATM.
Online banking and mobile apps work around the clock too. You can pay bills, transfer money to other people, deposit checks by taking a photo, and send wire transfers — all without leaving home. Some transactions, like wire transfers, may not process until the next business day, but you can set them up whenever you want.
If you need to speak to someone, many banks have phone support on holidays, though wait times are usually longer. Check your bank's website or the back of your debit card for the customer service number.
Saturday hours vary by bank and location
Some banks open on Saturdays, but not all branches do, and hours are shorter than weekdays. Chase, Bank of America, and Wells Fargo typically open some branches on Saturday mornings, usually from 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m., but this varies by location. Smaller banks and credit unions may not open on Saturdays at all.
The only way to know if your branch is open on Saturday is to check Google Maps, call ahead, or look at your bank's website. Don't assume — a branch 10 miles away might have Saturday hours while yours doesn't.
What happens if you need cash on a holiday
Use an ATM. As long as your bank has ATMs in your area, you can withdraw cash on any holiday. If you're traveling or your bank's ATMs aren't nearby, you can also get cash back at many grocery stores and pharmacies when you make a purchase with your debit card — no bank visit needed.
If you need a large amount of cash and your ATM has a daily withdrawal limit, plan ahead. Most ATMs let you withdraw between $300 and $1,000 per day, depending on your bank and account type. If you need more, withdraw over two days, or contact your bank before the holiday to ask about raising your limit temporarily.
Frequently Asked Questions
Is my bank open on the day after Thanksgiving?
The day after Thanksgiving is not a federal holiday, so banks are open. However, some banks may have reduced hours or staffing. Call your branch or check online to confirm hours, especially if you need to speak with someone in person.
What if I need to deposit a check on a holiday?
If your ATM has a deposit slot, you can deposit checks 24/7. If not, use your bank's mobile app to deposit by taking a photo of the front and back of the check. The deposit will process the next business day. If you need the money when ready, you'll have to wait until the branch reopens.
Do credit unions have the same holiday schedule as banks?
Most credit unions follow the same 10 federal holidays as banks, but some have different schedules. Call your credit union or check their website to confirm. Many credit unions also have ATMs and online banking that work 24/7 even when branches are closed.
Can I transfer money to another person's account on a holiday?
Yes, you can set up transfers through online banking or your app anytime, including holidays. The transfer will process the next business day. If you use a service like Venmo or PayPal, the money moves faster, though it may still take a day to reach a bank account.
What if I locked myself out of my account on a holiday?
Call your bank's customer service line — the number is on the back of your debit card or on your statements. Many banks have phone support on holidays, though wait times are longer. You can also try resetting your password through the bank's website or app if you have access to your email.