Citizens Bank Hours; Holiday Schedule (2025)

Citizens Bank is one of the largest retail banks in the United States, serving millions of customers with branches across several states. Knowing the regular hours and 2025 holiday schedule helps customers plan their visits better and avoid unexpected closures.

Regular Citizens Bank Hours

Citizens Bank branches usually follow a standard weekday schedule across most of their locations. While exact times can vary a little depending on the city or state, the general pattern remains the same. Most branches open in the morning around 9:00 AM and close by 5:00 PM from Monday through Friday. This schedule gives people enough time during the day to handle personal or business banking. Some busier branches may offer slightly longer hours, especially in larger cities, while smaller or rural branches may stick strictly to the basic schedule. Always check your local branch hours online or by phone to be sure.

• Monday to Friday: 9:00 AM – 5:00 PM
• Saturday: 9:00 AM – 12:00 PM (only selected branches)
• Sunday: Closed

These regular hours apply to both walk-in customers and drive-thru services, though some high-traffic locations may offer extended hours.

Weekend Banking Availability

Weekend services are limited at Citizens Bank, which means you might not always find a branch open during the weekend. Most locations are closed on Sundays to give staff a full day off, and only selected branches open on Saturdays. Even on Saturdays, the hours are shorter,  usually from 9:00 AM to 12:00 PM. These limited hours are meant to handle quick or urgent tasks. If you need full banking services on the weekend, it’s best to check ahead with your nearest branch or use online and mobile banking for convenience.

If you plan to visit on the weekend:

• Use the Citizens Bank website or mobile app to check your local branch’s Saturday hours
• Call customer service to confirm weekend availability
• Use online or mobile banking for urgent tasks
• Saturday hours usually run from 9:00 AM to 12:00 PM, depending on the location and branch size.

Citizens Bank Holiday Schedule 2025

In 2025, Citizens Bank will observe the following federal holidays. This means all branches will be fully closed on these dates, so you won’t be able to visit in person or use drive-thru services. These closures align with the national Federal Reserve banking calendar and affect everything from teller transactions to branch assistance. Be sure to plan your banking, especially for deposits, payments, or transfers that need processing before your accounts go unattended. Online and mobile banking will remain available even when branches are shut.

All branches will be closed on these days, and no in-person banking services will be available:

• New Year’s Day: Wednesday, January 1
• Martin Luther King Jr. Day:  Monday, January 20
• Presidents’ Day:  Monday, February 17
• Memorial Day: Monday, May 26
• Independence Day: Friday, July 4
• Labor Day: Monday, September 1
• Columbus Day: Monday, October 13
• Veterans Day: Tuesday, November 11
• Thanksgiving Day: Thursday, November 27
• Christmas Day: Thursday, December 25

These holidays follow the standard U.S. federal schedule. Citizens Bank branches will not operate on these dates.

Early Closures and Special Days

Apart from full holiday closures, Citizens Bank may close early on certain special dates or the day before a major holiday. In 2025, early closures might happen on:

• Christmas Eve (Wednesday, December 24): Most branches close early, typically by 2:00 PM.
• New Year’s Eve (Tuesday, December 31): Closing hours may differ by location.
• Thanksgiving Eve: Wednesday, November 26 (reduced hours in some branches)

Always check with your local branch in advance to confirm special day hours.

Online and Mobile Banking Availability

Citizens Bank’s online and mobile platforms remain open. These platforms help customers manage banking tasks anytime, including:

• Checking account balances
• Paying bills
• Transferring money
• Depositing checks via a mobile app
• Setting up alerts and controls

The Citizens mobile banking app and website allow 24/7 access, making it easier to bank outside regular hours.

Drive-Thru and ATM Access

Citizens Bank provides extended convenience through drive-thru services and ATMs, especially when branches are closed due to weekends, holidays, or after regular hours. Drive-thru lanes let you handle basic banking tasks like deposits, withdrawals, and check cashing without having to go inside the branch. Meanwhile, ATMs are available 24/7 at most locations, allowing you to access cash, check balances, and even deposit checks anytime. These services make it easier for customers to manage their finances, even when in-person support isn’t available.

• Drive-thru hours: Often open during regular hours and sometimes until 6:00 PM on weekdays
• ATMs: Available 24/7 at most locations

ATMs allow you to:

• Withdraw cash
• Check balances
• Make deposits
• Transfer between accounts

ATMs and drive-thru services are ideal for quick banking needs during weekends or holidays.

Holiday Deposit and Transaction Delays

When Citizens Bank closes on federal holidays, some transactions may take longer to process. Keep these things in mind:

• ACH transfers and check processing may be delayed when banks are closed.
• Loan processing and wire transfers pause on holidays

Plan important transactions ahead of any known closures or weekends.

Citizens Bank Call Center Support Hours

For questions or help during off-hours, Citizens Bank’s customer support center remains available at extended times:

• Weekdays: 7:00 AM – 10:00 PM
• Weekends: 9:00 AM – 6:00 PM

You can reach them at 1-800-922-9999. On federal holidays, support hours may vary or close completely. The automated phone system still works 24/7 for basic services.

How to Check Local Branch Hours?

Citizens Bank recommends checking specific branch hours directly, especially before holidays, because hours can change depending on the location and time of year. Some branches may close earlier than usual before major holidays like Christmas or Thanksgiving, while others may stay open longer during busy periods. By checking your local branch hours ahead of time, either through the Citizens Bank website, mobile app, or by calling, you can avoid unexpected closures or delays in service. This helps you plan your visits better and ensures your banking needs are met without last-minute issues.

Here’s how:

• Visit the official Citizens Bank website
• Use the branch locator tool
• Enter your ZIP code or city
• Select your preferred branch
• View updated hours, directions, and services

You can also use Google Maps or call the branch for quick updates.

Tips for Holiday and After-Hours Banking

To make your banking smooth around holidays and weekends, follow these tips:

• Plan: Visit the branch before major holidays
• Use mobile tools: Transfer funds or pay bills through the app

Use ATMs for quick cash or deposits

• Schedule auto-payments: Avoid late fees due to holiday processing delays
• Download the mobile app: Helps manage your money anytime, anywhere

These steps help avoid missed payments or limited access during bank closures.

Citizens Bank Hours Summary for 2025

To recap, here’s a summary of Citizens Bank’s hours and schedule for 2025:

Regular Hours:

• Monday to Friday: 9:00 AM – 5:00 PM
• Saturday: 9:00 AM – 12:00 PM (select branches only)
• Sunday: Closed

Federal Holiday Closures (10 total):

• Includes New Year’s Day, Memorial Day, Independence Day, etc.

Early Closures:

• It may happen on Christmas Eve, New Year’s Eve, and Thanksgiving Eve

Online & ATM Services:

• Available 24/7 for most basic banking needs

Use this guide to avoid unexpected closures and manage your time more effectively when banking with Citizens in 2025.

Conclusion

Understanding Citizens Bank’s hours and holiday schedule for 2025 helps you avoid missed opportunities and delayed banking. Most branches follow standard weekday hours, with limited weekend services and full closures on federal holidays. Use digital tools like mobile banking, drive-thru, and ATMs for convenience when physical branches are closed. Plan smartly around holidays and use this schedule to manage your banking with ease all year.