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What Time Does the Bank Close?

Byline profile imageWritten by Danielle Klimashousky
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Byline profile imageEdited by Marie White, CEPF®
Updated on
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While there’s a lot you can do at an ATM or through a mobile banking app, there are certain times when you need to visit an actual bank branch. But before you head out to the bank, there’s one thing to check: What time does the bank close? In the past, all bank branches used to close at 3 p.m. However, banks today are now extending their hours to make themselves more accessible to customers, although hours still remain limited on weekends. Here’s a general guideline for what time banks tend to open and close.

If you are looking to save and invest beyond banking, a financial advisor can help you create a financial plan for your needs and long-term goals.

Banking Hours on Weekdays

On weekdays, most banks generally open between 8:30 a.m. and 5:00 p.m. However, some banks may close as early as 4 p.m. or as late as 6 p.m. 

While banking hours vary by bank, most bank branches stay open late at least one day a week. This is so people with 9-to-5 jobs can still have time after work to visit the bank. On these days, bank branches typically close around 6:00 or 7:00 p.m. 

The best way to find out your local branch’s hours is to call or check your bank’s website.

Banking Hours on Saturdays and Sundays

Banks tend to have shortened hours on Saturdays. They will open later and close earlier, typically operating between 10:00 a.m. to 2:00 p.m. Some banks even close on Saturdays. If the best time for you to go to the bank is on Saturday, be sure to check the hours of your local branch before you head out.

Generally, banks are closed on Sunday. There are a few exceptions; TD Bank, for instance, opens some branches on Sundays with limited hours. However, this is a rarity among most banks, so don’t count on every bank being open for business on Sunday.

Banking on Holidays

An image showing the outside of a TD Bank branch in a city.

Holidays are of special note for banks. During federal holidays, all banks are closed. These holidays are established by the government, during which all government services are closed. 

Official federal holidays include the following. 

  • New Year’s Day
  • Martin Luther King Day
  • Presidents’ Day
  • Memorial Day
  • Juneteenth National Independence Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans’ Day
  • Thanksgiving Day
  • Christmas Day 

Days near these holidays, like Christmas Eve and New Year’s Eve, might have limited hours, too. That’s why it’s so important to plan ahead around the holidays for your banking needs.

Other Ways to Access the Bank

If you need to conduct banking business and the bank is closed, you still have options. If you need cash, you can always go to an ATM. Most ATMs are available 24/7, so you have access to cash from your account whenever you need it. 

If you need to check your balance or make transfers or payments, you can most likely do this on your bank’s website. Most banks offer online banking where you can conduct simple business. Many banks also have phone apps where you can do this as well. This way, even if the bank is closed, you can still conduct business as needed.

Bottom Line

SmartAsset: What Time Does the Bank Close?

When you need access to your money, it’s important that your bank is available. However, banking hours can vary significantly by bank. While most banks are open during the week with limited hours on Saturdays, some banks like TD Bank are even available on Sundays. And, while banks generally observe the same holidays, you may find different operating hours, depending on who you bank with. Before you go to the bank, confirm the hours for your local branch, and be sure to plan ahead during the holidays when limited hours can affect normal business. 

Consider working with a financial advisor who can help keep you on track with a long-term financial strategy that incorporates your banking needs.

Banking Tips

  • Your checking and savings accounts are just one small part of your financial picture. To make sure you’re working toward your long-term financial goals, it may help to find a financial advisor in your area and start planning for the future. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • If you can’t make it to the branch during regular banking hours, you may be able to do your banking on your phone; check out our roundup of the best mobile banking apps. And you might also consider ditching the branches altogether and switching to an online-only bank. They never close, and their interest rates tend to be higher.

Photo Credit: iStock/ErikdeGraaf, iStock/Roman Tiraspolsky, iStock/Kerkez