>

Most ITMs (interactive teller machines) are open 7 to 7 Monday to Friday and 8 to noon on Saturday.  They can do everything an in-person teller does except give you a lollipop.
At least have checks clear and transfers show for online banking. It’s a Monday after a holiday weekend and I’d like to have the money I made over it please! >

The bank I use has mobile deposit funds available immediately up to $10K. >

Wow, I have to wait 3-5 business days for a mobile deposit to clear. Because of that, I never use it unless it's small enough I don't care. >

That definitely takes away most of the convenience. >

TBF, it is a small local credit union with only 3 branches. But yeah, I don't bother with it unless it's not much or I don't need it right away. >

So, not a bank. >

"Banker's Hours" used to end early so the employees could spend a couple hours counting money and doing bookkeeping. But now its just tradition.
For covid quarantine purposes, here in Minnesota Banks were considered "essential" and were exempt from closing.
It's really just up to the individual bank what hours they have, most of the big ones do have banking online 24/7 plus ATMs. >

I might be ignorant on this, but I feel like 85% of banking transactions can be done via online banking or a 24/7 atm. As a result banks now have more reasons than ever to have crap hours of operation. >

I can honestly say I’ve been to a bank twice in my life. Once to set up my account with each bank. Everything else I do online. Even then banks here are open late Thursday’s anyway just like a lot of things here in Australia >

Where the fuck do you live that our banks are open late on Thursday’s? I think that might just be your particular branch it’s certainly not a normal thing in Australia >

No it’s quite common for shops in Australia to be open late on Thursdays for a few extra hours. Almost every shop does that. >

Shops yes, banks no
Banks in shopping centres close at 5 all days. Except I suppose whichever bank you walk past regularly that doesn’t but it’s not normal >

The banks trading hours says otherwise >

Pointless debate we’re having. You’re talking about fuck knows which bank where I’m talking about most banks in this country. And you aren’t providing examples so yeah irrelevant I guess >

ANZ, BOQ, combank are the 3 I checked. ANZ is open later on fridays and the other 2 are open later Thursdays >

Must just be your specific locations >

Just because YOU don’t see it and it doesn’t happen where YOU live DOES NOT mean that it doesn’t happen elsewhere. I’m in Australia too, and DuckyLeaf is absolutely right; our banks have their Thursday night trading hours. Looks like you don’t live in the sort of environment where DuckyLeaf is, so given that’s the case, you need to cease conjuring counter arguments for something you clearly know nothing about. >

I wish everything was open 24hrs, but I'm biased as a night shifter. I get off between 5-6am and nothing is open..
It's weird with how many thousands of 24hr jobs there are in my area, there's so few 24hr businesses. Walmart here was always busy when I'd go at 2am, yet they still cut their hours down, making them extremely busy during the day.
I'd love to go to the dentist at 8pm, get my dog groomed at midnight, swing by the post office and bank at 3am. Nighttime crim would go down due to more people being out and about.
I got attacked on here last time I made a comment like this, but oh well. >

I hear ya man. I'm a night shifter too. Used to get off at 3:30am. That was a fucking shit show, especially with covid restricting store hours to like 10am \~ 5pm. Doc appt, grocery shopping, all were hell when I normally went to bed at 8am \~ 9am. Could never sleep in, because I needed to get to grocery stores before they closed. Bleh.
Now I get off at 8am and it's a lot better. Shit still isn't open, but at least I don't have to wait until what's like 10pm (for me, that would be like 8am) to get my teeth cleaned.
My walmart was always busy too, when it was 24 hrs. They stopped being open 24 hrs before covid though. >

I never understood the whole restricted hours during COVID thing.  I assumed the individual businesses were just doing it to save labour costs, but otherwise why would you want to funnel everyone into your store during a smaller window of time if human contact is presumably deadly? 
Just one of many examples where it was all about the theatre and not actually implementing logically consistent policies. >

I believe it actually is logically consistent, if one ALSO assumes/implements restrictions and alternatives to in-person interactions, e.g. instead of shopping in person in a store, shopping online with a no-contact delivery.
In which case, reducing store hours aides to that policy (e.g. "I can't go into a store, so I'll shop online).
Or to put it another way, it's not "funnel everyone into a store during a smaller time window" at all, but rather "have less people enter and interact in the store (or any other shared space) at all". >

Plus everyone said it was to ensure proper sanitation of the store but we all know it didn’t >

Can we add doctors offices to this? As someone that missed a lot of school due to doctors appointments it isn’t cool that they’re only open when kids need to be in school. (Other than holidays which a lot of them are still closed cause they’re government institutions) >

The thing is, all they'd need to do is open til like 7pm. Not even that much longer than they already do, and it would solve the issue. >

Yeah but most doctors already work long hours and aren't interested in adding late office hours to that >

Stagger. Some 7-3, some 11-7, some 9-5. No one has to work 12 hours as you can have 3 doctors in office. >

I have not visited bank for almost 10 years now.
There are ATMs, cash machines (so you can pay your cash into your account), instant transfers, that I can use from my mobile app, payment systems that can be done while I am ordering something on the internet, and I do not even have a real card connected to my bank account, as I am using virtual one on my phone. 
Most likely I will need to visit bank this year as I will like to have a morgage, but every other thing I can do online or by Contact Center. 
But I am located in Poland, where banks are closing branches as there is no need to have them so many. 
What you need in USA is a modern banking system not more of the same. >



A LOT of banks are not huge corporations… and they have somewhat thin margins. 


Banking hours really don’t help the bank at all.  They’d prefer shorter hours. The money is made on loans, not on deposits and withdrawals.  That’s just a means to an end. >

Yup plus a banks major customers are other businesses. Which is why they're open when most businesses are, Monday thru Friday 9 to 5. Personal checking accounts are a small part of a banks business. >

When's the last time you needed to go into a bank?  I work at a bank & never go to a branch.  I can do 99% of my banking through the mobile app. >

Believe it or not, there are people in the world who still prefer you pay your rent in cash. >

And why would you need to go to a bank for that? Most banks don't even have any physical cash at hand >

Any? >

? >

They definitely have some money on hand >

Not that they give out to customers. Yeah sure the workers might have a bill on their pocket, but they don't have cash to share to you >

What are you talking about. Banks have money that you can go and take from them they work the same way as ATMs do >

The majority of bank offices don't even let you walk inside without an appointment,much less keep cach at hand for withdrawal. >

You must live somewhere with weird banks. The whole point of banks is to deposit and withdraw cash >

Government offices can be equally as essential. But you will never find them open outside business hours or during the weekend. >

Lol, if staying open later was more profitable, banks would be open later. >

Excellent point. >

The truth is that you are not the bank's primary customer. Unless it's a small local credit union, they prioritize their larger commercial customers which can deal with them during business hours as usual. >

I’ll assume you’re in the US? When your tech catches up you won’t need brick and mortar banks at all - I’m in Australia and haven’t needed to enter a bank for 5 plus years? And yes we got a mortgage during that time via video conferencing. >

As an Australian 19 year old I’ve only ever gone to a bank twice in my life and both was to set up a new account but even then both of that could’ve been done online my parents just wanted to go in store to show me the process in person >

Yes and no, in the UK we have machines we can deposit cash and cheques into that are inside the bank. Having these available 24/7 maybe staffed with a guard, would benefit everyone but here in the UK cheques arent really a thing anymore and most people get paid via direct debit so pretty much 99% of day to day banking can be done via an app or atm. >

When do you go to the bank? I literally never visited a bank I think. >

I had to go to a bank to create my accounts when I was 16 but since then I’ve never stepped foot in one. (19 now) >

Why do you need to go to a bank? Between direct deposits, depositing checks online, increasing limits via apps, 24 hour ATMs, requesting car loans online, the ability to request new cards online, changing and updating your information online, creating new accounts online, transferring instantly on apps, and 24 hour help lines you can call on your way to/from work or after work, there’s almost nothing you need to do at an actual bank in 2023. Not to mention they’re open Saturdays for whatever weird scenario you can think of. So why should they be open beyond 9-16 when they’re barely needed outside of those hours? >

No one actually needs to step foot in a bank anymore. All of it can be done online. >

Banks are essential, true. 
I cannot think of the last time I had to walk into a branch to do anything, though. 
Everything is online and in my app. People barely pay with cash these days anyway. >

I’m a server, my earnings are all in cash that I have to deposit into my checking account. >

The thing is, 99% of the reasons u need to go into a bank for are all able to be done online >

My computer can spit out cash now? >

ATMs my guy >

I always thought it was stupid that every job is 9-5. Conveniently, if you need a plumber to fix your stuff you gotta take a day off. Doctors appointment? Day off. Cars broken? Gotta take a day off just to get a diagnostic >

I agree, but I don't think banks should be open 24 hours, though ATMs should be 24 hours. I say the same thing about the post office, too. Postal workers are very essential. >

Breaking news from the 20th century.  I haven't walked into a bank branch in this millenium. >

What do you need your bank for? I have not been in contact with my bank for 20+ years now except online. >

My mum works in a bank, has for 25 years. The general public are disgusting, pathetic little a-holes who tend to give little shits about bank employees. She's been abused, insulted, threatened, and had someone try and smash the protective screen over the counter because said a-hole overdrew his account on beer and cigarettes. She's even been followed home. One of her colleagues had his family threatened that the guy was gonna find him and r**e his sister and her children. A few weeks ago, some person took a dump in the middle of the bank because they couldn't get their way. 
How people act when it comes to money is disgusting. 
If bank employees can't have basic safety in daylight work hours, imagine what could happen after hours. >

I wouldn’t really say they can afford it. Banks operate on extremely narrow margins. Most of them today are over leveraged, they have more liabilities than assets to spend. >


banks are just as essential as healthcare workers

No.  No, they are not.
Whatever banking you need to do, you can either take time off work to get it done, do it online, or wait until the bank opens.  No one is going to die if you can’t get to a bank when it’s convenient for you. >

You understand that some people cannot take time off to go to a branch. Lots of jobs are abusive about taking time off and will punish workers for it. >

Then the problem is with your job and labor laws.
Idk if it includes bank appointments but in germany time off to do some shit with the government or a doctor‘s appointment(it’s mainly because germany is a bureaucratic hell but they acknowledge it and accommodate it) . Hell if it’s less than 3 days you don’t even need a doctor’s note if calling in sick. >

I’ve never had to have a drs. note.  If a company doesn’t trust me, don’t hire me. >

Banking should be automated. The ATM should give me however much cash I want. It should print out cashier's checks and do pretty much everything an employee does. Add remote video assistance by a real employee if I need help. I should be able to wire as much funds as I want online. There's little to no benefit to having brick and mortar banks outside of setting up your account and verifying your identity, which could probably be centralized for all banks. >

Banks also do loans. Stuff like credit cards and mortgages are usually handled by banks >

I've never needed to physically go into the bank for any of my mortgages. Everything was handled through DocuSign and the bank's website. >

Shop around dude. They are out there. Plus,  there are actually fully online banks you can use and never visit a brick and mortar again. >

The only time in the last 5 years I've been to a bank was when I was buying/selling a house and was dealing with checks larger than my bank would process over mobile (>$50k).  Banks would see very little new business by staffing for nighttime hours. Which they've figured out, seeing that bank office hours have shrunk considerably in the last 20 years. >

Got to a ATM, at most banks you can withdraw money and deposit money at the atm at most banks. >

I haven't set foot in a bank in 5 years. >

ATMs are open 24 hours a day and depending on your bank, you can access the ATM  after hours.  Also the reason banks are closed on  Federal Holidays is because the   Federal Reserve bank  are closed on Federal holidays. >

Banks are everywhere, could you not find one and run in during your lunch break? >

They aren't everywhere. My rural Arizona town doesn't have a bank in it; the nearest one is 12 miles away. Not really practical in my 30 minute lunch break to go to the bank... >

Most things you need to go to a bank for an ATM can do and those are 24/7 >

I just have an app on my phone with a chat option. I haven’t been inside a bank in about 5 years >

Banks used to stay open until 6-7PM. 
I'm more pissed that most bank ATM's no longer dispense $10 bills.
Pretty fucking annoying. Only $20's, $50's and $100's. >

Have your branch near your work and go on lunch. Also, that’s why banking apps offer so many services. >

How do I have my branch near my work when I live in a rural town without a bank? >

Just an idea I threw out there. >

Wait. Who even uses banks? Like going in the actual building type bank?? Gods, why?! >

I work for an bank that focuses on digital banking. You can do 98 percent of it online and the rest you can call in, or go to a bank atm. >

As someone who works weekdays from 730-6 the weekends are my only time to get things done. I end up having to take off of work to get essential errands done. In my area a ton of places are closed on Sunday so Saturday is my one shot. If I have anything derail my Saturday then I’m toast >

I haven’t been to a bank in years.  What exactly is essential that would require it to be open 24 hours? >

Even if a bunch of banks had one branch open very late it would work well. I agree their hours are garbage. >

Same goes for pharmacies. Makes 0 sense they’re closed any day of the year really >

A T M.  After Hours Deposit Boxes.  Online Banking >

Yep. And banks can 100% afford it… they’re literally banks. >

Banks are more likely to reduce the availability of branches rather than increase it.
Almost everything can be done online or over the phone. I haven't needed to go into a branch for about 8 years. >

I bank 100% online. My long term savings and daily checking is via a bank that doesn’t have a single branch. I do not need a physical bank anymore and do t think I ever will. I get a better rate and perks by allowing my banking systems to run lean on expenditures >

They should be open later atleast a few days a week to serve people that work later.  I use to work 7am to 5pm in other words every hour they where open.  There was 1 bank in the town of 20k that was open till 6pm on weekdays and that was why I picked that bank.  
Still sucked that I needed to take a vacation day to get a loan to buy a house.  The loan officers worked from 8-4. >

Banks should be open 365 days of the year. They can reduce the hours if they like. >

I used a bank that doesn’t even have physical branches! >

US so behind the times with cheques etc. >

Read the rest of the comments. This person is an outlier. >

Allegedly, a bank manager once said: Ordinary customers only bring sand in the soles of their shoes to the bank floor >

Thought this sub was for unpopular opinions? >

Who goes to the bank? >

Most public and private banks in Costa Rica have branches in malls that open everyday between 11 am to 7 pm (including weekends) Your bank system is playing you >

I think most issues could be solved by a tues-sat or a wed-sun schedule. Either for banks or for everyone else (obviously easier to implement with banks) >

the irony of someone using the internet to complain about this when they can just use the internet to fix their complaint..... >

How are they as essential as healthcare workers? 
When was the last time you needed an emergency certified cheque?  What do you need at the bank that is such an emergency that an ATM can't do for you? >

All finance are considered essential. People need access to their money. >

You don’t need physical banks for that? >

Right we bailed um out should be open when we need. >

Agreed. Grocery stores are generally open seven days a week, for most hours of the day, and are open even on most holidays. Idk how banks couldn’t do the same thing.
Alternatively, if we as everyday working people didn’t have to work so much, we’d probably have more time to go to the bank🤷‍♂️ >

Banks don't care about you as an individual, you're most likely depositing very small change in them.  They care about business, who works the same hours as them. >

I'm down voting this because I agree with you 10000000% >

I agree with this and add doctors to this. Or every employer legally be required to give paid time off, not vacation, to all employees to see doctors or go to bank appointments. It would only be up to 4hrs a day so you don't miss an entire day of work so the employers still get some coverage. So you could have an appointment in the morning and come in after or the other way around. >

You don’t even need  full second shift personelle. Just do what hospital do. They operate on a minimum scale to keep things afloat(and patients alive) just 1 employee for every position with on call managers or something until whatever hour.
This will probably lighten the work load during the 9-5 time because clients would be spread across more hours. >

One of the first things I notived when I moved to Thailand is that there are banks in nearly every mall thst are open until 8pm and on weekends as well, which is totally amazing. >

Solved by implementing the national bank using the USPS. Don't like interest rates? Imagine how much lower it will be from the government instead of from the government to a 3rd party bank to you. >

They're not there for you. They're there for businesses. They don't give a fuck about your rent. >

Isn’t your rent their business ? >

No? Why would it be ? >

Because if you have troubles getting your money you could switch banks and lose you as customer? >

I 100% agree, there is no situation a Bank should be closed on a weekday...I don't care what holiday it is. There are other jobs that work holidays, why not Bankers? >

Banks primary customers and profit comes from other businesses not individuals, no point in being open when most other businesses are closed >

My mom complains about this all the time when she needs to get money out for something. Her hours are all weird cause of her job >

ATM >

Yess! 8-5pm is when literally everyone is working it’s such a pain in the ass >

Agreed. Enough of this Chinese fire drill with things. If you operate an essential service it only makes sense to manage it as much as a convenience for your customers as possible. >

This isn't an unpopular opinion. People have been saying this for decades. >

It is unpopular. Read the comments my friend >

I did. It's mainly people saying well we have atms now. But it's been a popular opinion for decades. I remember my parents complaining about banking hours forty years ago. >

So there’s your proof most people find it an unpopular opinion >

Out of the first ten comments that are new right now, over half of them agree with this so-called unpopular opinion. >

Look at the top comments >

Literally the top comment agrees with this opinion. Then two that don't. And then one that does. Goodnight. >

Hello, OP! Where are you from?
Here, in Russia, most of banks working from 9:00 to 20:00 or 21:00. I saw such bizarre schedule (9:00-16:00) only when I lived in Europe.
P.S. Maybe you should use bank apps?