Bank branches follow strict hours tied to the Federal Reserve calendar — 11 holidays per year when ACH transfers stop, wires pause, and in-person service is unavailable. Most branches run Monday–Friday 9 AM–5 PM with limited Saturday hours and almost no Sunday service. This page covers standard hours, every 2026 bank holiday, and direct links to customer service numbers and branch hour guides for Chase, Bank of America, Wells Fargo, and 12 other major banks.
Standard Bank Branch Hours
Most major US bank branches follow this schedule, though individual locations vary:
| Day | Typical Hours | Notes |
|---|---|---|
| Monday – Friday | 9 AM – 5 PM | Core hours at nearly all branches |
| Saturday | 9 AM – 1 PM or 2 PM | Common at most major banks |
| Sunday | Closed (most) | Some Chase/BofA grocery-store branches: 11 AM – 3 PM |
| Federal Holidays | Closed | ATMs and online banking available 24/7 |
Online banking, mobile apps, and ATMs are available 24/7 regardless of branch hours. Phone customer service varies by bank — most major banks offer 24/7 phone support.
Federal Bank Holidays 2026
Banks are closed on all 11 Federal Reserve holidays. ACH transfers do not process on these dates — plan payroll, bill payments, and transfers accordingly.
| Holiday | 2026 Date | Day |
|---|---|---|
| New Year's Day | January 1 | Thursday |
| Martin Luther King Jr. Day | January 19 | Monday |
| Presidents' Day | February 16 | Monday |
| Memorial Day | May 25 | Monday |
| Juneteenth National Independence Day | June 19 | Friday |
| Independence Day | July 3 | Friday (observed) |
| Labor Day | September 7 | Monday |
| Columbus Day | October 12 | Monday |
| Veterans Day | November 11 | Wednesday |
| Thanksgiving Day | November 26 | Thursday |
| Christmas Day | December 25 | Friday |
ACH timing note: A bill payment or transfer scheduled for a Federal Reserve holiday will process the next business day. If Thanksgiving falls on Thursday, a payment due Thursday posts Friday. See the full bank holiday schedule for 2026 and early 2027 dates.
What Stops on Bank Holidays
Not all banking functions are affected equally:
| Function | On Holidays | On Weekends |
|---|---|---|
| Branch teller service | ❌ Closed | ❌ Sat limited, Sun closed |
| ATM cash withdrawal | ✅ Available | ✅ Available |
| Online/mobile banking | ✅ Available | ✅ Available |
| ACH transfers | ❌ No processing | ❌ No processing |
| Wire transfers (domestic) | ❌ No processing | ❌ No processing |
| FedNow real-time payments | ✅ If both banks support | ✅ If both banks support |
| Check clearing | ❌ Paused | ❌ Paused |
Bank Hours by Bank — Big Four
Bank Hours — Regional & Online Banks
Customer Service Phone Numbers
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