Honestly, nothing ruins a productive morning like pulling up to a silent, locked bank lobby when you really needed to deposit a check or talk to a loan officer. You're sitting there in the drive-thru lane, staring at the "Closed" sign, wondering how you missed the memo. If you are asking is United Bank open today, the short answer is yes.
Today is Thursday, January 15, 2026. It is a standard business day. There are no federal holidays currently shuttering the windows of financial institutions across the United States.
But "open" is a relative term in the banking world of 2026. While the doors are unlocked, the specific hours of your local branch can be a moving target depending on whether you're in a busy city center or a quiet rural town. Most United Bank locations stick to a traditional 9:00 AM to 5:00 PM schedule, but many branches have started trimming their lobby hours while keeping drive-thru windows open a bit longer.
Understanding the United Bank Schedule
United Bank generally follows the Federal Reserve holiday calendar. Since today isn't New Year's Day or Martin Luther King Jr. Day (which is coming up this Monday, January 19), the staff should be at their desks.
You’ve probably noticed that banking isn't what it used to be. A few years ago, you could count on every branch being carbon copies of each other. Now, a branch in Ashburn might stay open until 6:00 PM on a Friday, while a location in a smaller market might pack it in by 4:00 PM. It’s frustrating.
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What stays open when the lobby closes?
Even if you arrive after the lobby doors click shut, you aren't totally stuck. United Bank has invested heavily in Interactive Teller Machines (ITMs). These aren't just your standard ATMs that spit out twenty-dollar bills and eat your card.
ITMs allow you to video chat with a real human teller. It’s sort of like FaceTime for your checking account. These tellers often work extended hours, sometimes as early as 7:30 AM and as late as 7:00 PM. If the lobby is closed but the lights are on in the ITM kiosk, you can usually still get most of your business done.
- Deposits: ITMs handle cash and checks without an envelope.
- Withdrawals: You can often get specific bill denominations, not just the usual $20s.
- Payments: You can make loan payments right there at the machine.
Is United Bank open today for customer service?
If you'd rather not leave your couch, the United Customer Care center is your best bet. Typically, they are available Monday through Friday from 8:00 AM to 6:00 PM. On Saturdays, they usually run a shorter shift, often 9:00 AM to 5:00 PM.
If you are calling about a lost or stolen debit card, that is a different story. That line is staffed 24/7 because, well, identity thieves don't take the night off. You can reach them at 800-327-9862.
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It’s worth noting that if you’re trying to call a specific local branch manager, they are tied to that branch's specific physical hours. If the lobby is closed, your call is likely going to a central call center or an automated system.
The Monday Holiday Catch
We are currently just a few days away from the first major "bank holiday" snag of the year. Monday, January 19, 2026, is Martin Luther King Jr. Day. On that day, United Bank branches will be closed.
This is where people get tripped up. If you initiate a wire transfer or a large ACH payment late on Friday, January 16, it probably won't even start moving until Tuesday, January 20. The "banking day" effectively pauses over that long weekend. If you have bills due on Monday, you really need to schedule those payments today or tomorrow to ensure they clear on time.
Why digital banking is the real answer
The question of whether the physical building is open matters less and less these days. Most things you’d visit a branch for can be handled through the mobile app.
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- Mobile Check Deposit: Take a photo, wait for the confirmation, and you're done. Just don't forget to write "For Mobile Deposit Only" on the back, or the system will kick it back.
- Zelle: For sending money to friends, this is basically instant.
- Account Alerts: You can set these up so you get a text the second your balance drops below a certain point.
Real-world advice for your visit
If you absolutely must go in person—maybe you need a cashier's check or a notary—check the specific branch locator on the United Bank website first. Don't rely on the hours listed on a random search engine map, as those are notoriously slow to update when a branch changes its schedule.
Also, keep in mind that mid-day is the worst time to go. Everyone tries to squeeze in their banking during their lunch break. If you can get there right when they open at 9:00 AM or around 2:30 PM, you’ll usually beat the rush and get out in half the time.
If you're heading out now, you're good to go. Just double-check your documents before you leave the house so you don't have to make two trips.
Actionable Next Steps:
- Verify your specific branch hours using the official United Bank locator tool before driving.
- Download the mobile app now if you haven't already; it's the only way to "bank" on holidays or after-hours.
- Plan for the MLK Day closure on Monday, January 19, by moving any urgent funds by tomorrow afternoon.
- Use the ITM for transactions if the lobby is crowded; it’s usually much faster than waiting for a floor teller.