While banks are open weekdays, Monday through Friday, they occasionally close for certain holidays, like Christmas, Thanksgiving, and Labor Day. Banks are also open on Saturdays for limited hours, but they are usually closed on Sundays.
Credit unions, which are basically banks owned by their members, typically keep the same hours: Open on weekdays and Saturdays, but generally closed on Sundays. Most credit unions also close on the same holidays as banks.
This article is about branch locations and drive-through services at these locations. However, external ATMs should be open 24 hours a day, seven days a week. You’ll also be able to access your account information, and make electronic deposits or transfers, at any time, by logging into your bank or credit union’s online banking portal.
In this article:
Bank hours
During the work week, banks most often open between 8:00 AM and 9:00 AM and close between 4:00 PM and 6:00 PM. For the most part, credit unions also use these hours.
Banks and credit unions are usually open Saturdays. However, they may open later and close earlier on Saturdays. Typical Saturday opening hours for banks are 9:00 AM to 2:00 PM.
Almost no bank or credit union is open on Sundays, although there are rare exceptions. Banks that open on Sundays usually keep very limited hours, such as 11:00 AM to 3:00 PM.
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Note that these bank opening hours are examples, but there are thousands of branch locations across the country, and many keep different hours even among the same bank franchise.
To make sure your own bank or credit union is open, check their website. You should see a link called “Locations” or “Branches” that will allow you to search for open locations.
Bank holidays
A bank holiday is a day when bank branches are closed, also called a federal holiday or a public holiday. While some bank holidays are based on widely celebrated holidays like New Year’s Day and Christmas, others are set by federal legislation.
Per U.S. law, federal holidays are designated on specific days:
January 1st: New Year’s Day
Third Monday of January: Martin Luther King, Jr. Day (Birthday of Martin Luther King, Jr.)
Third Monday of February: President’s Day (Washington’s Birthday)
Last Monday of May: Memorial Day
July 4th: Independence Day
First Monday of September: Labor Day
Second Monday of October: Columbus Day (Indigenous People’s Day)
November 11th: Veterans Day
Fourth Thursday of November: Thanksgiving Day
December 25th: Christmas Day
When the holiday falls on a Sunday, banks typically close the following Monday. However, when the holiday falls on a Saturday, banks generally don’t close the Friday before.
In some rare cases, banks will be open on certain federal holidays, although their hours may be limited.
For non-federal holidays, like Good Friday, most banks will be open. But some states set their own public holidays, and banks and credit unions in those states may choose to close on those days. Depending on your state, the day after Thanksgiving and the day after Christmas may also be public holidays.
Calendar of banks’ opening and closing days
Holiday | Status | 2020 | 2021 | 2022 |
|---|---|---|---|---|
Ash Wednesday | Regular hours | Wednesday, February 26th | Wednesday, February 17th | Wednesday, March 2nd |
Black Friday (the day after Thanksgiving) | Almost all banks open | Friday, November 27th | Friday, November 26th | Friday, November 25th |
Christmas Day | Closed | Friday, December 25th | Saturday, December 25th | Sunday, December 25th |
Christmas Eve | Closed | Thursday, December 24th | Friday, December 24th | Saturday, December 24th |
Columbus Day/Indigenous People’s Day | Some banks open | Monday, October 12th | Monday, October 11th | Monday, October 10th |
Diwali | Regular hours | Saturday, November 14th | Thursday, November 4th | Monday, October 24th |
Easter | Closed | Sunday, April 12th | Sunday, April 4th | Sunday, April 17th |
Eid al-Adha | Regular hours | Thursday, July 30th | Monday, July 19th | Saturday, July 9th |
Eid al-Fitr | Regular hours | Saturday, May 23rd | Wednesday, May 12th | Monday, May 2nd |
Election Day | Regular hours | Tuesday, November 3rd | Tuesday, November 2nd | Tuesday, November 8th |
Ramadan | Regular hours | Thursday, April 23rd (first night) | Monday, April 12th (first night) | Saturday, April 2nd (first night) |
Hanukkah | Regular hours | Thursday, December 10th (first night) | Sunday, November 28th (first night) | Sunday, December 18th (first night) |
Independence Day (Fourth of July) | Closed | Saturday, July 4th | Sunday, July 4th | Monday, July 4th |
Good Friday | Depends on your state | Friday, April 10th | Friday, April 2nd | Friday, April 15th |
Halloween | Regular hours | Saturday, October 31st | Sunday, October 31st | Monday, October 31st |
Holi | Regular hours | Monday, March 9th | Monday, March 29th | Thursday, March 17th |
Kwanzaa | Regular hours | Saturday, December 26th (first night) | Sunday, December 26th (first night) | Monday, December 26th (first night) |
Labor Day | Closed | Monday, September 7th | Monday, September 6th | Monday, September 5th |
Mardi Gras | Regular hours | Tuesday, February 25th | Tuesday, February 16th | Tuesday, March 1st |
Memorial Day | Closed | Monday, May 25th | Monday, May 31st | Monday, May 30th |
Martin Luther King Jr. Day (MLK Day) | Closed | Monday, January 20th | Monday, January 18th | Monday, January 17th |
New Year’s Day | Closed | Wednesday, January 1st | Friday, January 1st | Saturday, January 1st |
New Year’s Eve | Regular hours | Thursday, December 31st | Thursday, December 31st | Friday, December 31st |
Orthodox Christmas | Regular hours | Tuesday, January 7th | Thursday, January 7th | Friday, January 7th |
Passover | Regular hours | Wednesday, April 8th (first night) | Saturday, March 27th (first night) | Friday, April 15th (first night) |
Patriot Day | Regular hours | Friday, September 11th | Saturday, September 11th | Sunday, September 11th |
President’s Day (Washington's Birthday) | Most banks closed | Monday, February 17th | Monday, February 22nd | Monday, February 21st |
Purim | Regular hours | Monday, March 9th | Thursday, February 25th | Wednesday, March 16th |
Rosh Hashanah | Regular hours | Friday, September 18th | Monday, September 6th | Sunday, September 25th |
St. Patrick’s Day | Regular hours | Tuesday, March 17th | Wednesday, March 17th | Thursday, March 17th |
Thanksgiving | Closed | Thursday, November 26th | Thursday, November 25th | Thursday, November 24th |
Veterans Day | Most banks closed | Wednesday, November 11th | Thursday, November 11th | Friday, November 11th |
Yom Kippur | Regular hours | Sunday, September 27th | Wednesday, September 15th | Tuesday, October 4th |
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