Most banks are closed on Saturday, but some branches and online services work around the clock
The short answer: your bank is probably closed on Saturday. The vast majority of US banks do not staff physical branches on Saturdays. But whether you can get things done depends on what you need to do and which bank you use.
Large national banks like Chase, Bank of America, and Wells Fargo typically close all branches on Saturday and Sunday. Some regional banks and credit unions do open one or two branches on Saturday mornings, usually from 9 a.m. to noon or 1 p.m. A few banks in competitive urban markets stay open later on Saturday. But this is the exception, not the standard.
What matters more: most of what you actually need to do—transfer money, pay bills, check your balance, deposit a check—works on Saturday through your bank's website or mobile app, or through ATMs. The things that require a person—getting a cashier's check, opening a new account, disputing a transaction in person—do require a weekday visit.
Key Takeaways
- Physical bank branches are closed on Saturday at most major banks, though some credit unions and regional banks open select branches for a few hours on Saturday morning.
- Online banking, mobile apps, and ATMs work 24 hours a day, seven days a week, so you can transfer money, check balances, and deposit checks remotely on Saturday.
- Deposits made through ATMs or mobile apps on Saturday are usually processed on Monday, not the same day.
- Services that require speaking to a person—opening an account, getting a cashier's check, or disputing a charge—require a weekday branch visit or a phone call during business hours.
- Credit unions are more likely than national banks to have Saturday hours, so check your specific institution rather than assuming it is closed.
What you can do on Saturday without visiting a branch
Online banking and mobile apps process most transactions on Saturday just as they do on weekdays. You can transfer money between your own accounts, send money to another person through your bank's bill pay system, and check your balance at any time. The transaction itself goes through, but the money may not actually move until Monday if the receiving bank is also closed.
ATM deposits and withdrawals work on Saturday. If you deposit a check through an ATM on Saturday, the check image is sent to your bank when ready, but the funds typically do not post to your account until Monday. Some banks credit ATM deposits by the next business day; others take longer. Your bank's app or website will show you the expected posting date when you make the deposit.
Mobile check deposits—taking a photo of a check through your bank's app—also process on Saturday, with the same Monday posting timeline. Wire transfers initiated through online banking on Saturday may not leave your account until Monday, depending on your bank's cutoff time. Most banks have a cutoff time in the late afternoon on weekdays; anything submitted after that waits until the next business day.
What requires a weekday visit or phone call
Opening a new account, closing an account, or changing account features requires speaking to someone. Some banks offer account opening through their website or app, but most still require a phone call or in-person visit to verify your identity. If your bank does offer online account opening, you can do this on Saturday, but you will still need to provide documents and answer security questions.
Getting a cashier's check, a money order, or a bank draft requires a teller. These are not available through ATMs or online. You will need to visit a branch during business hours, which for most banks means Monday through Friday, 9 a.m. to 5 p.m., with some branches staying open until 6 or 7 p.m.
Disputing a charge or reporting fraud can start through your app or website on Saturday—most banks have a "report a problem" or "dispute a transaction" feature—but the actual investigation and resolution require a person. Calling your bank's fraud line on Saturday may connect you to an automated system that takes your report, or to a live representative if your bank staffs its fraud line on weekends. Check your bank's website or the back of your card to see which number to call.
How to learn about your specific bank is open Saturday
The fastest way is to search "[your bank name] Saturday hours" or visit your bank's website and look for "branch locator" or "hours." Enter your zip code or the branch you want to visit. The locator will show you which branches, if any, are open on Saturday and what time they close.
Call your bank's main customer service number on a weekday and ask. They can tell you whether any branches near you open on Saturday and what services are available during those hours. Some banks staff their Saturday branches with limited staff, so not all services may be available—for example, a branch might be open but unable to issue cashier's checks.
Credit unions are more likely than national banks to have Saturday hours. If you bank at a credit union, check your institution's website or call the branch directly. Some credit unions are part of shared branching networks, which means you can visit another credit union's branch on Saturday and conduct basic transactions.
Saturday hours at major banks
| Bank | Saturday Branch Hours | Online/Mobile Banking |
|---|---|---|
| Chase | Most branches closed; some locations open 9 a.m.–1 p.m. | 24/7 |
| Bank of America | Most branches closed; select locations open 9 a.m.–1 p.m. | 24/7 |
| Wells Fargo | Most branches closed; some open 9 a.m.–1 p.m. | 24/7 |
| Citibank | Most branches closed; varies by location | 24/7 |
| Credit unions | Varies widely; many open 9 a.m.–noon or later | 24/7 |
These hours change by location and can shift seasonally or during holidays. The table shows the general pattern, but your specific branch may differ. Always check your bank's branch locator before making a trip on Saturday.
What happens to money you move on Saturday
Transfers between accounts at the same bank usually post when ready, even on Saturday, if you initiate them through online banking or your app. The money moves within the bank's system right away.
Transfers to another bank (called ACH transfers) initiated on Saturday do not leave your account until Monday. Your bank receives the instruction on Saturday, but the actual transfer to the other bank happens on Monday. The receiving bank then processes it, which can take another day or two. So a transfer you start on Saturday morning might not arrive until Wednesday.
Bill payments through your bank's bill pay system work the same way. If you schedule a payment for Saturday, it goes out on Monday. If you need the payment to arrive by a specific date, schedule it for the business day before that date, not the weekend.
Alternatives if your bank is closed
ATMs are always available. You can withdraw cash, deposit checks, and transfer money between your accounts 24 hours a day. ATM networks like Allpoint and MoneyPass let you use ATMs from other banks without a fee, depending on your bank's agreement with those networks.
Online payment services like Venmo, PayPal, and Square Cash let you send money to other people on Saturday. These are not bank transfers—they move money between apps, not directly from your bank account—but they work when your bank is closed. The money usually arrives within one to three business days.
If you need cash urgently and your bank is closed, some grocery stores, pharmacies, and convenience stores offer cash advances on debit cards. You pay a fee, usually $2 to $5, but you get cash when ready.
Frequently Asked Questions
Can I deposit a check on Saturday?
Yes, through an ATM or your bank's mobile app. The check image is processed when ready, but the funds do not post to your account until Monday. Some banks credit the deposit by the next business day; others take longer depending on the check amount and your account history.
Will a wire transfer I send on Saturday go out the same day?
No. Wire transfers initiated on Saturday through online banking are queued and sent on Monday. If your bank has a cutoff time on Saturday (some do), anything submitted after that cutoff waits until Monday. For time-sensitive transfers, initiate them on a Friday afternoon or call your bank's wire department during business hours to ask about Saturday processing.
Can I open a bank account on Saturday?
Some banks let you open an account online or through their app on Saturday, but most still require a phone call or in-person visit to verify your identity. Check your bank's website to see if online account opening is available. If it is, you can start the process on Saturday, but you may need to provide documents or answer security questions that require a person.
What if I need a cashier's check on Saturday?
You cannot get one on Saturday at a traditional bank. Cashier's checks require a teller and are only available during branch hours. If you need one urgently, some banks offer them through their website or app, but this is rare. Call your bank on Friday to ask if they can issue one for you to pick up Monday, or look for a credit union branch that is open Saturday and offers cashier's checks.
Do credit unions have Saturday hours?
Many do, but it varies by institution. Credit unions are more likely than national banks to open on Saturday, often from 9 a.m. to noon or 1 p.m. Check your credit union's website or call the branch directly. Some credit unions are part of shared branching networks, which means you can visit another credit union's branch on Saturday if yours is closed.