Citizens Bank Hours: Complete Guide to Banking When You Need It in 2026

Are you trying to figure out when you can visit your local Citizens Bank branch? Maybe you need to deposit a check, talk to a banker about a loan, or just have questions about your account. Whatever your banking needs, knowing Citizens Bank hours is essential for planning your financial errands.

As one of the largest regional banks in the United States, Citizens Bank serves millions of customers throughout the Northeast and Midwest. With over 1,000 branches across 14 states, they’ve established themselves as a reliable banking option for many Americans.

In this comprehensive guide, I’ll walk you through everything you need to know about Citizens Bank hours in 2026, including regular branch hours, holiday closures, and alternatives for banking when branches are closed.

Standard Citizens Bank Hours

Most Citizens Bank branches follow a fairly consistent schedule throughout the year though some locations may vary slightly. Here’s what you can typically expect

It’s important to note that hours can vary by location For example, Citizens Bank branches inside grocery stores or shopping centers might follow different schedules that align with their host’s operating hours.

Citizens Bank 2026 Holiday Schedule

Like most banks in the United States, Citizens Bank observes federal holidays and closes its branches on these days. Here’s the complete list of holidays when Citizens Bank will be closed in 2026:

• New Year’s Day – Thursday, January 1, 2026
• Martin Luther King, Jr. Day – Monday, January 19, 2026
• Presidents Day – Monday, February 16, 2026
• Easter Sunday – Sunday, April 5, 2026 (most branches are normally closed on Sundays anyway)
• Memorial Day – Monday, May 25, 2026
• Juneteenth National Independence Day – Friday, June 19, 2026
• Independence Day – Saturday, July 4, 2026
• Labor Day – Monday, September 7, 2026
• Columbus Day/Indigenous Peoples Day – Monday, October 12, 2026
• Veterans Day – Wednesday, November 11, 2026
• Thanksgiving Day – Thursday, November 26, 2026
• Christmas Day – Friday, December 25, 2026

Even on these holidays when branches are closed you’ll still have access to online banking the mobile app, and ATMs. However, any transactions you make on these days may not process until the next business day.

How to Find Your Local Citizens Bank Hours

While the standard hours apply to most locations, it’s always a good idea to check the specific hours of your local branch before making a trip. Citizens Bank makes this easy with several options:

Branch Locator Tool

The quickest and most accurate way to find the hours for your specific Citizens Bank branch is to use the Branch Locator tool on the Citizens Bank website. Here’s how:

1. Visit citizensbank.com
2. Click on the “Branch & ATM Locator” link (usually found in the top navigation or footer)
3. Enter your zip code or address
4. Browse the results to find your branch
5. The hours will be listed with the branch information

Mobile App

If you’re on the go, the Citizens Bank mobile app also includes a branch locator feature that will show you the nearest branches and their hours.

Phone

You can call Citizens Bank’s customer service at 1-800-922-9999 to ask about specific branch hours.

Special Cases: Hours That May Differ

While the standard hours I mentioned earlier apply to most Citizens Bank locations, there are some exceptions you should be aware of:

In-Store Branches

Citizens Bank operates branches inside some grocery stores and retail locations. These branches typically follow hours that align with their host store, which may be longer or different than standalone branches.

Drive-Thru Hours

Some Citizens Bank locations offer drive-thru banking services. These drive-thru windows might have extended hours compared to the lobby, often opening earlier and closing later.

ATM Access

Citizens Bank ATMs are typically accessible 24/7, even when the branch itself is closed. This includes holidays and weekends.

Banking When Citizens Bank Is Closed

Even when branches are closed, you can still access most banking services through these alternatives:

Online Banking

Citizens Bank’s online banking platform allows you to:

• Check account balances
• View transaction history
• Transfer funds between accounts
• Pay bills
• Deposit checks remotely
• Send money to friends and family
• Apply for loans and credit cards

Mobile Banking App

The Citizens Bank mobile app offers all the features of online banking, plus:

• Mobile check deposit
• Card controls (lock/unlock debit cards, set spending limits)
• ATM/branch locator with hours
• Touch ID or Face ID login for secure access

ATM Network

Citizens Bank has an extensive ATM network that’s available 24/7 for:

• Cash withdrawals
• Cash and check deposits
• Balance inquiries
• Transfers between accounts

Customer Service

Citizens Bank’s automated telephone banking system is available 24/7 at 1-800-922-9999. While live representatives are only available during business hours, you can still access account information and perform basic transactions through the automated system.

Tips for Banking with Citizens Bank

To make the most of Citizens Bank’s hours and services, here are some practical tips:

Plan Ahead for Holidays

If you need to visit a branch in person, check the holiday schedule and plan accordingly. Remember that transactions made on holidays won’t process until the next business day.

Use Mobile Deposit

Rather than visiting a branch to deposit checks, use the mobile check deposit feature in the Citizens Bank app. It’s quick, convenient, and available 24/7.

Set Up Automatic Payments

Avoid last-minute bill payments by setting up automatic payments through online banking. This ensures your bills are paid on time, even during holidays.

Know Your Nearest ATMs

Locate the Citizens Bank ATMs nearest to your home, workplace, and frequently visited areas. This way, you’ll always have access to cash and basic banking services, even when branches are closed.

Schedule Appointments for Complex Matters

If you need to discuss complex banking matters like loans or investments, consider scheduling an appointment with a banker rather than walking in. This ensures you’ll get dedicated time and attention.

Frequently Asked Questions About Citizens Bank Hours

Are Citizens Bank’s Saturday hours the same at all branches?

No, Saturday hours can vary by location. Most branches are open from 9:00 AM to 12:00 PM or 1:00 PM, but some may have shorter or longer hours. Always check your specific branch’s hours.

Can I make deposits at Citizens Bank ATMs when the branch is closed?

Yes! Citizens Bank ATMs accept both cash and check deposits 24/7, even when branches are closed. Funds from deposits may not be immediately available, especially if made on weekends or holidays.

What if I need to speak to a banker outside of regular hours?

While in-person service is only available during branch hours, Citizens Bank offers customer service by phone during extended hours. For general inquiries, you can call 1-800-922-9999. For complex matters, consider scheduling an appointment during regular hours.

Do Citizens Bank hours change seasonally?

Citizens Bank’s standard hours remain consistent throughout the year, aside from holiday closures. However, individual branches may occasionally adjust their hours for special circumstances, so it’s always good to check before visiting.

What’s the best time to visit a Citizens Bank branch to avoid lines?

Mid-morning on weekdays (around 10:00 AM to 11:30 AM) and mid-afternoon (2:00 PM to 4:00 PM) typically have shorter wait times. Monday mornings and Friday afternoons tend to be the busiest times.

If a holiday falls on a weekend, will the branch be closed on a weekday?

Generally, if a holiday falls on a Saturday, Citizens Bank will observe it on the preceding Friday. If it falls on a Sunday, it will be observed on the following Monday.

Conclusion

Understanding Citizens Bank hours helps you manage your banking needs efficiently. With over 1,000 branches across 14 states, Citizens Bank provides convenient in-person banking services during standard business hours, with most branches open Monday through Friday from 9:00 AM to 5:00 PM and limited hours on Saturdays.

Remember that branches close for federal holidays, but you can still access your accounts through online banking, the mobile app, and ATMs 24/7.

For the most accurate information about your local branch, use the Branch Locator tool on the Citizens Bank website or mobile app, or call customer service.

By familiarizing yourself with Citizens Bank’s hours and the many alternatives available when branches are closed, you can ensure your banking needs are met whenever and wherever you need them.

Have you found a particular Citizens Bank service especially helpful when branches are closed? Or do you have any other tips for banking outside regular hours? We’d love to hear your experiences in the comments below!