So, you’ve got a check to deposit or a weird issue with your debit card and you're wondering: what time does Citibank close today? Honestly, there is nothing more annoying than driving across town only to see those "Closed" lights flickering in the window.
Today is Thursday, January 15, 2026. The short answer? Most Citibank branches are going to close at 5:00 PM or 6:00 PM local time.
But wait. If you’re in a massive hub like New York City or Chicago, you might find a branch open until 7:00 PM. On the flip side, some smaller suburban spots might pull the "early bird" move and lock up at 4:00 PM. It’s a bit of a mixed bag, which is why just guessing is usually a bad idea.
Is Today a Bank Holiday?
Whenever people ask about closing times, they're usually worried about holidays.
I’ve got some good news for you. Today, January 15, is not a federal bank holiday in the United States. We just cleared New Year’s Day, and the next big one—Martin Luther King Jr. Day—isn't until Monday, January 19, 2026.
Since today is a standard Thursday, Citibank is operating on its "business as usual" schedule. No shortened hours, no surprise closures for national observances. You’re in the clear.
Standard Citibank Weekday Hours
While every location has its own vibe, Citibank generally sticks to a predictable rhythm during the work week. You can basically bank on these windows:
- Monday through Thursday: 9:00 AM – 5:00 PM (Most common)
- Friday: 9:00 AM – 6:00 PM (Many branches stay open an extra hour for the weekend rush)
- Saturday: 9:00 AM – 1:00 PM or 2:00 PM (If they're open at all)
- Sunday: Almost always closed, unless it’s a high-traffic "flagship" location
Why "Today" Might Be Different for You
Look, I can give you the averages, but Citibank is huge. They have a massive footprint in places like California, Florida, and the Northeast.
If you’re at a branch inside a retail building or a shopping mall, their hours might be tied to the mall's schedule. If the mall closes at 8:00 PM, that specific Citi branch might actually stay open later than a standalone building on a street corner.
Also, weirdly enough, some branches in business districts (think Wall Street or the Loop) actually close earlier because their "customers" are the 9-to-5 office crowd. Once the suits go home, the bank does too.
The "After-Hours" Loophole
If you missed the cutoff and the doors are already locked, don't panic. You aren't totally stuck.
ATM Access
Almost every Citibank has a 24/7 ATM lobby. You usually just swipe your debit card to get inside. You can deposit checks, grab cash, or even move money between accounts without ever talking to a human.
The Citi Mobile App
Let’s be real, most of what we do at a branch can be done on the app anyway. Mobile check deposit is pretty much flawless these days. If it's just a matter of "what time does Citibank close today" because you need to move money, just hit the app. It never closes.
Customer Service Lines
If you need a human because your card is lost or you see a weird charge, the phone lines are your best bet. While branch staff go home, Citi’s general support (1-800-374-9700) is usually available 24/7 for credit card issues, though basic banking support might have a cutoff around 11:00 PM ET.
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What Most People Get Wrong About Deposits
Here is a "pro tip" that most people miss. Just because the bank is open until 5:00 PM doesn't mean your deposit counts for today.
Most Citibank locations have a cutoff time (usually around 2:00 PM or 3:00 PM). If you walk in at 4:45 PM and hand over a check, it might not technically "post" until tomorrow. If you're trying to cover a bill that's due tonight, that extra hour of the branch being open won't actually save you. Always ask the teller, "Hey, will this be available today?"
Actionable Next Steps
Don't just take my word for it and drive into traffic. Here is exactly what you should do right now:
- Use the Locator: Go to the Citibank Branch Locator on your phone. It uses your GPS to show the exact closing time for the branch nearest to you.
- Check for "Drive-Up" Hours: Some branches close the lobby at 5:00 PM but keep the drive-up window open until 6:00 PM. It's a lifesaver if you're running late.
- Call Ahead: If you need a specific service—like a Notary Public or a Medallion Signature Guarantee—call before you go. Sometimes the person who does those things leaves earlier than the tellers.
Bottom line: It’s Thursday, they’re open, but they’ll likely start winding down by 5:00 PM. Get moving!