Most banks are closed on Sundays, but you have options

The vast majority of brick-and-mortar bank branches do not open on Sundays. Chase, Bank of America, Wells Fargo, Citibank, and most regional banks operate Monday through Friday, with limited Saturday hours at some locations. If you need to deposit a check, withdraw cash, or speak to someone in person on a Sunday, you will need to use an ATM, a different type of financial institution, or wait until Monday.

The reason is straightforward: federal banking regulations do not require banks to stay open on Sundays, and most have decided the cost of staffing outweighs the demand. A few credit unions and online banks operate differently, but even those typically do not have staffed branches open on Sunday.

Key Takeaways

  • ATMs are available 24/7 at most banks, so you can withdraw cash or deposit checks any day of the week, including Sunday.
  • Credit unions sometimes have Sunday hours at certain branches, so check your specific credit union's schedule rather than assuming it is closed.
  • Online banks do not have physical branches at all, but they let you deposit checks by phone camera and transfer money when ready any day.
  • If you need to speak to a person on Sunday, call your bank's customer service line — many operate seven days a week, though they cannot process all transactions by phone.

ATMs work on Sunday even when the branch is closed

Every major bank maintains ATMs that operate around the clock, including Sundays. You can withdraw cash, deposit checks using the mobile app or ATM envelope, check your balance, and transfer money between your own accounts at any hour. The ATM does not care what day it is.

Check deposits made at an ATM on Sunday will typically post to your account by Monday or Tuesday, depending on your bank's processing schedule. Cash withdrawals are when ready. If your bank uses a surcharge-free ATM network — many do — you can use thousands of ATMs nationwide without a fee.

Credit unions sometimes have Sunday branch hours

Credit unions are not banks, and they operate under different rules. Some credit unions do open on Sundays, though this varies widely by location and institution. Navy Federal Credit Union, for example, has Sunday hours at many branches. Smaller local credit unions may or may not be open.

The only way to know is to search your credit union's name plus "Sunday hours" or call the branch directly. Do not assume your credit union is closed just because most banks are. If you are a member of a credit union and need Sunday service, check their website or call before you go.

Online banks let you bank any day without a branch

Banks that operate only online — such as Ally, Charles Schwab Bank, or Discover Bank — have no physical branches at all, so the concept of Sunday hours does not explore. You can deposit checks by taking a photo with your phone, transfer money, pay bills, and manage your account at any time on any day. Customer service is often available seven days a week, though response times vary.

The trade-off is that you cannot walk into a location and speak to someone in person. If you need cash, you withdraw from an ATM. If you need a cashier's check or a notary, you will have to use a partner bank or a third-party service. For most people who rarely need in-person banking, online banks eliminate the Sunday problem entirely.

What you can and cannot do on Sunday at a closed branch

You cannot visit a closed branch and expect to conduct business. You cannot speak to a teller, open a new account in person, explore for a loan, or resolve a dispute face-to-face on Sunday. You also cannot use the branch's safe deposit box or access services that require a staff member.

What you can do: withdraw cash from the ATM, deposit checks via ATM or mobile app, transfer money between your accounts, check your balance, and call customer service. If your issue requires a person, you will need to either call during business hours or wait until Monday to visit the branch.

Bank customer service lines often work on Sunday

Many banks operate customer service phone lines seven days a week, including Sunday. You can call to report fraud, ask questions about your account, dispute a transaction, or request a wire transfer. Not every request can be handled over the phone — some require a visit to the branch — but many can.

Check your bank's website or the back of your debit card for the customer service number. When you call on Sunday, you may experience longer wait times than on a weekday, and you may reach an automated system rather than a live person. Have your account number and identification ready.

Saturday hours vary by bank and location

If you cannot wait until Monday but do not need to go on Sunday specifically, Saturday is often an option. Many Chase, Bank of America, and Wells Fargo branches open on Saturday mornings, usually from 9 a.m. to 1 p.m., though hours vary by location. Some branches do not open on Saturday at all.

Search your bank's name plus "Saturday hours" and your zip code, or call the branch directly. Saturday is typically busier than weekdays, so expect longer lines if you need to speak to a teller.

Frequently Asked Questions

Can I deposit a check at an ATM on Sunday?

Yes. Most ATMs accept check deposits 24/7. You can use your bank's ATM or a partner ATM in the network. The check will post to your account within one to two business days, depending on your bank's processing schedule.

Will my bank be open on Sunday if it is a holiday?

No. Banks are closed on federal holidays regardless of what day of the week they fall on. This includes New Year's Day, Memorial Day, Independence Day, Thanksgiving, and Christmas. ATMs remain open.

Can I open a new account on Sunday?

Not at a physical branch. You can open an account online at any time, including Sunday, if your bank offers online account opening. If you need to open an account in person, you will need to visit during business hours, which are typically Monday through Friday.

What if I need cash on Sunday and do not have a debit card?

You will need to plan ahead. ATMs require a debit card or PIN. If you do not have access to either, you cannot withdraw cash from an ATM on Sunday. Visit a branch on Saturday or Monday, or use a different bank's ATM if you have an account there.

Do online banks have customer service on Sunday?

Many do, but response times are often slower than on weekdays. Check your bank's website for Sunday hours. Some online banks offer live chat or phone support seven days a week; others have limited Sunday availability.