Citi Bank branches are typically open Monday through Friday from 9:00 AM to 5:00 PM, with Saturday hours available at select locations. With only about 650 branches concentrated in 12 states, Citi relies heavily on its mobile app and the 65,000+ Allpoint ATM network to serve customers nationwide.
If you’re not near a Citi branch, Citi’s mobile banking and the Allpoint ATM network cover most everyday needs.
Standard Citi Bank Hours
Most Citi branches follow this schedule, though individual locations vary based on local demand and the type of facility:
| Day | Typical Hours | Notes |
|---|---|---|
| Monday | 9:00 AM – 5:00 PM | Standard banking day |
| Tuesday | 9:00 AM – 5:00 PM | Standard banking day |
| Wednesday | 9:00 AM – 5:00 PM | Standard banking day |
| Thursday | 9:00 AM – 5:00 PM | Standard banking day |
| Friday | 9:00 AM – 5:00 PM | Some locations until 6:00 PM |
| Saturday | 9:00 AM – 2:00 PM | Select locations only |
| Sunday | Closed | ATMs available 24/7 |
Citi Branch Coverage by State
Citi’s branch network is significantly smaller than Chase or Bank of America, concentrated in major metro areas:
| State/Region | Major Cities Covered |
|---|---|
| New York | NYC (largest presence), Albany, Buffalo |
| California | Los Angeles, San Francisco, San Diego, San Jose |
| Florida | Miami, Fort Lauderdale, Tampa, Orlando |
| Illinois | Chicago metro area |
| New Jersey | Newark, Jersey City, Bergen County |
| Texas | Houston, Dallas, San Antonio |
| Washington DC / Maryland / Virginia | DC metro area |
| Nevada | Las Vegas |
| Connecticut | Stamford, Hartford |
| South Dakota | Sioux Falls (administrative only) |
If you live outside these states, Citi operates as a de facto online bank for you — all account management happens through the Citi Mobile app, citibank.com, and the Allpoint ATM network.
Citi Bank Holiday Hours 2026
Citi closes for all 11 federal bank holidays. Branches are closed; ATMs remain operational.
| Holiday | 2026 Date | Branches |
|---|---|---|
| New Year’s Day | January 1 | Closed |
| Martin Luther King Jr. Day | January 19 | Closed |
| Presidents Day | February 16 | Closed |
| Memorial Day | May 25 | Closed |
| Juneteenth | June 19 | Closed |
| Independence Day | July 4 | Closed |
| Labor Day | September 7 | Closed |
| Columbus Day | October 12 | Closed |
| Veterans Day | November 11 | Closed |
| Thanksgiving Day | November 26 | Closed |
| Christmas Day | December 25 | Closed |
Important: Electronic transfers (ACH) and wire transfers submitted on bank holidays are processed the next business day. Citi ATMs accept deposits and withdrawals 24/7 regardless of holiday status.
24/7 Banking Options When Branches Are Closed
Citi customers can handle most banking tasks outside branch hours:
| Task | How to Do It 24/7 |
|---|---|
| ATM withdrawals | 65,000+ Allpoint ATMs (free for all Citi accounts) + Citi-branded ATMs |
| Check balances | Citi Mobile app or citibank.com |
| Transfer money | Citi Mobile app — internal transfers are instant |
| Send via Zelle | Citi Mobile app — available 24/7 |
| Deposit a check | Citi Mobile Deposit (see Citi mobile deposit limits) |
| Report fraud | Call 1-800-374-9700 — Citi customer service is 24/7 |
| Lock/unlock debit card | Citi Mobile app → Card Controls |
Tips for Visiting a Citi Branch
Shortest wait times: Tuesday through Thursday, 10 AM to 2 PM. Mondays are typically the busiest day, and end-of-month dates see higher traffic due to payroll and rent cycles.
What to bring for in-branch services:
- Government-issued photo ID (driver’s license or passport)
- Your Citi account number or debit card
- Social Security number for account changes or new account opening
Branch-only services: Some transactions require a branch visit — including notary services, safe deposit box access, large cash deposits or withdrawals, and certain wire transfer requests above online limits.
Finding a Citi Branch or ATM
Use these tools to locate the nearest open branch:
- Citi Branch Locator: citibank.com → “Locations” shows hours, services, and directions
- Allpoint ATM Locator: allpointnetwork.com or the Allpoint app — find 65,000+ fee-free ATMs
- Google Maps: Search “Citibank near me” for real-time hours based on your location
See the full Citibank guide for Citi fees, ATM limits, and routing numbers by state.
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