Bank hours in the United States

Although banks are open weekdays, Monday through Friday, they are sometimes closed for certain holidays, such as Christmas, Thanksgiving, or Labor Day. Banks are also open on Saturdays for limited hours, and are normally closed on Sundays. Below we expand the analysis of the customer service hours of banks in the United States.

Credit unions, which are basically member-owned banks, tend to keep the same hours: Open weekdays and Saturdays, but generally closed on Sundays. Most credit unions are also closed on the same holidays as banks.

Keep reading: Are the banks open today?

What are the bank hours in the United States?

During the business week, bank hours in the United States are usually between 8:00 and 9:00, and between 16:00 and 18:00. For the most part, credit unions also use these hours.

As we mentioned at the beginning, banks and credit unions are usually open on Saturdays. However, they may open later and close earlier than on weekdays. In fact, typical banking hours in the United States on Saturdays are from 9:00 a.m. to 2:00 p.m.

Bank hours in the United States

Now, almost no banks or credit unions are open on Sundays, although there are rare exceptions: Banks that are open on Sundays tend to have very limited hours, usually from 11:00 to 15:00.

For you to see, these hours are examples and there are thousands of banks, credit unions and branches throughout the country, so it is not surprising that many have different hours even when they belong to the same bank.

To make sure your bank or Credit cooperative is open, go to their website. You should find a link called “Locations” or “Branch”, which will allow you to locate any of their offices and check their hours.

Bank hours in the United States on holidays

During holidays, which may also be called a federal holiday or holiday, bank branches are closed. While some bank holidays are based on well-known holidays like New Year’s and Christmas, others are established by federal law.

Under United States law, federal holidays are designated on specific days:

  • January 1: New Year.
  • The third Monday in January: Martin Luther King, Jr. (Birthday).
  • Third Monday in February: President’s Day (Washington’s Birthday).
  • The last Monday in May: Memorial Day.
  • The 4th of July: Independence Day.
  • The first Monday in September: Labor Day.
  • Second Monday in October: Columbus Day (Indigenous Peoples Day).
  • November 11: Veterans Day.
  • The fourth Thursday of November: Thanksgiving Day.
  • December 25: Christmas

When a public holiday falls on a Sunday, banks in the US usually close the following Monday. However, when the public holiday falls on a Saturday, banks generally do not close on the previous Friday. In some rare cases, banks remain open on federal holidays, although their hours are quite limited.

Now, on non-federal holidays, like Good Friday, most banks are open. But some US states set their own holidays, and banks and credit unions in those states can choose to change their hours or close on those days.. For example, depending on the state you live in, the day after Thanksgiving or Christmas may also be a holiday.

Calendar of opening and closing days of banks

Public holiday Schedule 2020 2021
Ash Wednesday regular hours Wednesday, February 26 Wednesday, February 17
Black Friday (the day after Thanksgiving) Almost all banks open Friday, November 27 Friday, November 26
Christmas Closed Friday, December 25 Saturday, December 25
Good night Closed Thursday, December 24 Friday, December 24
Columbus Day/Indigenous Peoples Day Some banks open Monday, October 12 Monday, October 11
Diwali (Hindu Festival of Lights) regular hours Saturday, November 14 Thursday, November 4
Easter Closed Sunday, April 12 Sunday, April 4
Eid al-Adha (Celebration of the Sacrifice) regular hours Thursday, July 30 Monday, July 19
Eid al-Fitr (Celebration of the end of Ramadan) regular hours Saturday, May 23 Wednesday, May 12
Elections regular hours Tuesday, November 3 Tuesday, November 2
Ramadan regular hours Thursday, April 23 (first night) Monday, April 12 (first night)
Hanukkah regular hours Thursday, December 10 (first night) Sunday, November 28 (first night)
Independence Day (July 4) Closed Saturday, July 4 Sunday, July 4
Holy Friday Depends on each state Friday, April 10 Friday, April 2
Halloween regular hours Saturday October 31 Sunday, October 31
Holi (Hindu Festival) regular hours Monday, March 9 Monday, March 29
Kwanzaa (African American Celebration) regular hours Saturday December 26 (first night) Sunday, December 26 (first night)
Labor Day Closed Monday, September 7 Monday, September 6
Mardi Gras (Shrove Tuesday) regular hours Tuesday, February 25 Tuesday, February 16
Memorial Day Closed Monday, May 25 Monday, May 31
Martin Luther King Jr Day Closed Monday, January 20 Monday, January 18
New Year Closed Wednesday, January 1 Friday, January 1
New Year Eve regular hours Thursday, December 31 Friday, December 31
orthodox christmas regular hours Tuesday, January 7 Thursday, January 7
Easter regular hours Wednesday, April 8 (first night) Saturday March 27 (first night)
patriot day regular hours Friday, September 11 Saturday, September 11
President’s Day (Washington’s Birthday) Most banks close Monday, February 17 Monday, February 22
Purim (Jewish Holiday) regular hours Monday, March 9 Thursday, February 25
Rosh Hashanah (Jewish Holiday) regular hours Friday, September 18 Monday, September 6
Saint Patrick’s day regular hours Tuesday, March 17 Wednesday, March 17
Thanksgiving Closed Thursday, November 26 Thursday, November 25
Veterans Day Most banks closed Wednesday, November 11 Thursday, November 11
Yom Kippur (Jewish Holiday) regular hours Sunday, September 27 Wednesday, September 15

Why don’t banks work during federal holidays?

The nation’s banks follow the federal holiday calendar because they rely on the United States Federal Reserve for their transactions, including wire transfers and Automated Clearing House (ACH) transactions. Therefore, with the Federal Reserve closed during those days, banks cannot complete those types of transactions.

What can I do if I need to make a bank transaction but my bank is not open?

Luckily, today we have the Internet at our fingertips. So instead of driving to the bank to make your transaction, you can walk into your Bank account with your online access information. Once there, you can move money between accounts, make transfers, check your balances and more.

Your banking skills extend a bit further, too, if you have your bank’s mobile app. This adds the ability to deposit checks directly from your smartphone.

In this sense, thanks to online banking and mobile applications, it is possible to carry out most banking transactions immediately and from the comfort of your home. However, since the US Federal Reserve and your bank are still closed, most transactions will be processed the next business day. So even though you can do your part of the transaction (say, an ACH transfer), the money won’t be moved instantly.

But if you really need to make a cash deposit or withdrawal, your bank’s ATMs should still be working regardless of whether it’s a holiday or not; after all, the holidays just mean you won’t be able to walk into a branch and talk to a teller. You can also go to any ATM, either inside or outside your bank’s network. Just be careful with the rates, which can be not so convenient in some cases.

Take into account the current situation caused by the coronavirus

Due to the coronavirus pandemic, many banks are closed or have limited branch operations to self-service options.

In this sense, the Centers for Disease Control and Prevention (CDC) recommend canceling gatherings of more than 50 people and practicing social distancing to limit physical contact. For that reason, try to do your banking online rather than in person.

In conclusion

Holidays, which are the same as federal holidays, are not always the same days that people have off work. This is probably why many of us think banks are closed when they are actually open and vice versa. Banks generally stay open on the eve of major holidays, such as Christmas and New Year’s. But whether your bank is open or closed, you’ll likely be able to use its ATMs, online banking platform, and mobile app. However, if you need the help of a teller, be sure to check the bank’s hours before starting the car and heading to the nearest branch.

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