You've probably seen the green signs and the bold claim. "America's Most Convenient Bank." It's a heavy title to carry. Most banks treat the 5:00 PM hour like a hard deadline for their escape, but TD Bank has built a whole personality around being the one that stays late. Still, "late" is a relative term. If you are standing in a parking lot in New Jersey or Florida wondering what time is TD bank open until, the answer isn't always a uniform 8:00 PM like it used to be years ago.
Banking hours have shifted. The world went digital, and brick-and-mortar stores had to adapt. Honestly, finding out when the doors lock depends heavily on which day of the week it is and whether you are looking for a teller or just a drive-thru window.
The Standard Weekday Grind: What Time Is TD Bank Open Until?
On a typical Monday, Tuesday, or Wednesday, most TD Bank branches are open until 5:00 PM. This is the standard. It’s better than the 3:00 PM or 4:00 PM cutoffs you see at some smaller credit unions, but it’s not exactly "late-night" banking.
Things get a little more interesting when Thursday and Friday roll around. TD knows that people get paid on Fridays. They know you have errands to run before the weekend hits. Because of that, many locations extend their hours. You’ll often find branches open until 6:00 PM on these days.
Wait. Don’t just assume your local branch follows this perfectly. I’ve seen some suburban locations in Pennsylvania that still shut down at 5:00 PM every single weekday. Conversely, high-traffic spots in New York City might hum along until 6:00 PM or even later depending on the specific foot traffic of that neighborhood.
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Why the Variations Exist
Banks aren't just robots. They look at data. If a branch in a sleepy town doesn't see a soul after 4:45 PM, they aren't going to pay three tellers and a manager to sit there until 6:00 PM. On the flip side, if you're in a shopping center where people are out until sunset, TD tries to keep that "convenience" promise alive.
Weekend Banking: The Sunday Surprise
This is where TD Bank usually wins. While Chase, Bank of America, and Wells Fargo often treat Sunday like a ghost town, TD Bank actually opens its doors. But—and this is a big "but"—the hours are short.
On Saturdays, you’re usually looking at an opening time of 9:00 AM. Most branches will stay open until 1:00 PM or 4:00 PM. It’s a wide range. You really have to check the specific store locator for this one because a 1:00 PM closing time can sneak up on you while you're still in line at the grocery store.
Sunday is the real outlier. Not every TD Bank is open on Sunday. The ones that are usually operate on a very slim window—typically 11:00 AM to 2:00 PM or sometimes until 3:00 PM. It is meant for "oops, I forgot to deposit this" moments, not for sitting down to discuss a 30-year fixed-rate mortgage.
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The 2026 Holiday Hurdle
Banks love holidays. If the federal government takes a breath, the banks usually do too. However, TD Bank is historically a bit more stubborn than others. They often stay open on "minor" federal holidays where other banks vanish.
In 2026, you should watch out for these specific dates where the question of what time is TD bank open until becomes "are they even open at all?"
- New Year’s Day (Jan 1): Closed.
- MLK Jr. Day (Jan 19): Usually closed.
- Presidents' Day (Feb 16): Often open! This is one of those days where TD shines while others are dark.
- Memorial Day (May 25): Closed.
- Juneteenth (June 19): Closed.
- Independence Day (July 4): Closed.
- Labor Day (Sept 7): Closed.
- Indigenous Peoples' Day (Oct 12): Usually open.
- Veterans Day (Nov 11): Closed.
- Thanksgiving (Nov 26): Closed.
- Christmas Day (Dec 25): Closed.
Even on the days they stay open (like Presidents' Day), they might run on a "Sunday schedule," meaning they could close as early as 2:00 PM. If it’s a federal holiday and you see the lights on, don’t wait until the evening to show up.
Drive-Thru vs. Lobby Hours
There is a sneaky distinction here that catches people off guard. Some TD Bank locations have drive-thru lanes that stay open longer than the actual lobby.
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You might walk up to the glass doors at 5:15 PM on a Tuesday and find them locked. But, if you look over at the drive-thru, the teller might still be there. Drive-thrus often stay open 30 minutes to an hour later than the lobby in specific regions. It’s a lifesaver if you just need to cash a check or make a quick deposit without coming inside to talk to a human face-to-face.
What If the Doors Are Locked?
If you missed the window, you aren't totally out of luck. TD Bank’s ATMs are generally 24/7. You can deposit cash, deposit checks, and even get smaller denominations like $1, $5, and $20 bills at many of their newer machines.
Also, their phone support is actually pretty robust. You can call 1-888-751-9000 at basically any hour. They bill it as "Live Customer Service 24/7," which is a rarity in a world of automated "Press 1 for balance" loops. If you need to stop a payment or report a lost card at 3:00 AM on a Sunday, someone will actually pick up the phone.
The Mobile App Factor
Let's be real: unless you need a cashier's check or a notary, you probably don't need the branch. The TD Bank mobile app handles deposits with a picture. The cutoff for "same-day" processing on mobile deposits is usually around 8:00 PM ET on business days. If you miss the 5:00 PM branch closing, you actually have a better chance of getting your money "in the system" by using your phone than by racing to a physical location.
Actionable Steps for Your Next Visit
Don't just drive there and hope for the best.
- Use the Store Locator: Go to the official TD Bank website or use the "Locations" tab in the app. This is the only way to see the specific hours for your neighborhood branch.
- Check the Drive-Thru: If the lobby looks dark, drive around the side. Those tubes might still be humming.
- Mind the Cutoff: Remember that even if the bank is open until 6:00 PM, deposits made after a certain time (usually 2:00 PM or 3:00 PM) might not technically post until the next business day.
- Call Ahead for Notaries: If you are going late because you need a notary or a specialized banker, call first. Those specific employees often leave earlier than the tellers.
TD Bank stays open longer than most, but they aren't a 24-hour diner. Plan for a 5:00 PM cutoff on Mon-Wed and a 6:00 PM cutoff on Thu-Fri, and you'll rarely be disappointed.