American Express Hours: Full Hours and Holidays

VIENNA, AUSTRIA - NOVEMBER 6, 2019: American Express logo in front of their office for Vienna.
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American Express is known the world over as a leading credit card company. Lesser known is the fact that it also owns American Express National Bank, Member FDIC, and is an online bank that customers can use to open high-yield savings accounts or certificates of deposits.

Does this nontraditional bank operate with traditional hours? Keep reading to find out.

American Express Hours for Normal Days

American Express National Bank is an online bank with no branch locations. Due to this, it doesn’t keep normal hours the way traditional banks do. You can access your account online at any time, regardless of the day.

Is American Express National Bank Open on Weekends?

Technically, no branches of American Express National Bank are open on weekends — or any other day — because the company doesn’t operate any branches. However, you can conduct banking business online or on your mobile app any day of the week, including weekends.

American Express Hours

Day Hours
Sunday through Saturday 24/7 online

American Express Hours for Holidays

Because it’s an online bank, American Express doesn’t close on the federal holidays that other banks observe. But if you’re interested in knowing which federal holidays the U.S. Office of Personnel Management observes, here’s the 2023 schedule:

  • New Year’s Day: Jan. 1
  • Martin Luther King Jr. Day: Jan. 16
  • Presidents Day: Feb. 20
  • Memorial Day: May 29
  • Juneteenth National Independence Day: June 19
  • Independence Day: July 4
  • Labor Day: Sept. 4
  • Columbus Day: Oct. 9
  • Veterans Day: Nov. 11
  • Thanksgiving Day: Nov. 23
  • Christmas Day: Dec. 25

Even if the holiday schedule doesn’t affect your bank directly, it still helps to have all your money ducks in a row around the holidays as those days are often busy and stressful.

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How To Bank With American Express After Business Hours

As mentioned earlier, the status of American Express as an online bank means you don’t need to worry about conducting banking business during normal business hours since everything is accessible 24/7. You can bank with American Express online or via its mobile app.

One thing to keep in mind: American Express notes that for transferring funds, business days are considered to be Monday through Friday, and that any transfers done after 7 p.m. Eastern time will be processed the next business day, excluding holidays.

How To Contact American Express National Bank Customer Service

You can access the bank’s customer service department using these methods:

  • Phone number: 1-800-419-2122
  • Mobile app: Click on the Chat icon in the American Express App to access customer support.
  • Mail: For general inquiries, write to:
    • American Express National Bank
      P.O. Box 981535
      El Paso, TX 79998-1535

More on American Express Bank

More on Bank Hours

Information is accurate as of Oct. 5, 2023.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express. American Express credit card products are not available through

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